Frequently Asked Questions

Welcome to our Frequently Asked Questions (FAQ) page. We've compiled some of the most common
questions we receive from our customers, so you can easily find the answers you're looking for.

This depends on your particular situation, but in most cases, it's better to get insurance as soon as you book the trip. However, don't feel like you have to rush into it. It's always a good idea to first find out what your options are - and consider the level of cover that's right for you - before making a final decision.

Benefits are the elements covered by your travel insurance policy. These can range from airfare reimbursement to medical emergency cover. The level and number of benefits will depend on your chosen plan - please contact us for more information. You can also opt to have additional benefits, such as a cruise pack or cover for rental vehicle excess, added to your policy.

Qikio has a plan for you regardless of whether you're travelling solo or in a group. As long as your travelling companions are listed on the policy, they will receive cover.

Qikio insurance covers a wide number of trip types, including business trips, backpacking, cruising and more. Please click here for a full list of trip types covered by Qikio Insurance.

The typical age limit that applies to most travel insurance companies in Australia is between 60 and 75 years; Qikio's limit is 99 years. You must also be at least 18 years old to purchase a travel insurance policy.

All travel insurance policies have conditions, exclusions, and limitations; these depend on the type of policy or plan that you choose. Please refer to your policy or contact us for further information.

Yes, you can add on or remove upgrades, such as trip interruption, motorcycle and moped pack, or a snow pack. Please see the full list of upgrades.

A pre-existing condition is, in the 12 months before buying the policy:
  • a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware;
  • a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor);
  • any condition for which you have been prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication;
  • any condition for which you’ve had surgery; or
  • any condition for which you have seen a medical specialist.

We hope that these answers have been helpful. If you have any additional questions or require further assistance, please do not hesitate to contact our customer service team.