BUSINESS TRAVEL INSURANCE

WHY ZOOM TRAVEL INSURANCE?

• What does Zoom business travel insurance cover?

• There's no difference in Zoom's leisure or business cover. Zoom's Comprehensive Travel Insurance includes Unlimited cover for medical emergencies, Unlimited cover for cancellation, $25,000 accidental death, $50,000 for additional expenses, $7,500 for luggage and personal items, $5 million for personal liability, $10,400 for loss of income and much more. Compare our travel insurance plans in more detail here. 

• I'm going overseas to work for a whole year, can I buy a Zoom policy?

• Yes, you can purchase a Zoom Travel Insurance policy for a maximum trip duration of 365 days. Zoom to it!

• I'm volunteering overseas, does that count as working?

• Yes, even if you are working without being paid, it's important to note that Zoom's Personal Liability benefit will not pay for any amount you become legally liable which arises from your conduct of, or employment in, any business, profession, trade or occupation.

• Am I covered if I injure myself on the job?

• Yes and No. For example, if you injure yourself whilst working in a bar your employer would have insurance to cover you for any medical bills for accidents that happen in the workplace. However, if you injured yourself on your way to said workplace, that would be where travel insurance would step in. 

• Can I buy a frequent flyer policy for multiple business trips?

• Yes, our frequent traveller plan covers you both at work and play that’s the beauty of this policy. An annual multi-trip policy covers you for lots of little trips throughout the year, not one single trip with a duration of 12 months. Keep in mind that for each business trip you take there is a limit on the number of days that you can be away. This is known as a ‘maximum trip duration’. The best thing, you don’t need to tell us when you’re travelling or where you’re going!

• I'm hiring a car on my business trip - does Zoom cover the rental car excess?

• Yes, Zoom's rental vehicle excess add-on covers you for any dings, dents or theft to your hire car. 

• What age limits apply to Zoom's travel insurance policies?

• You must be under the age of 85 to buy a policy with Zoom. Those under 79 years can purchase a policy for a maximum trip duration of 365 days. Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days only. You must also be under the age of 69 to purchase our add-on ski or adventure packs.

• Can I insure my work laptop?

• No, Zoom does not cover for items that are not owned by you personally.

• Does Zoom cover loss of income?

• Yes, Zoom's Comprehensive policy provides a weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. 

• Can I cancel my trip if I am made redundant?

• Yes, if you or your travelling companion are made redundant from full-time employment in Australia, you would have provision to claim for cancellation provided you or they were not aware that the redundancy was to occur before you purchased your policy.

• Does Zoom cover employees with pre-existing medical conditions?

• Zoom covers a number of pre-existing medical conditions automatically. For further information and a full list of covered conditions head to our pre-exisiting medical conditions page.

• Am I covered for adventure activities with corporate cover?

• We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. See a full list of activities activties covered under our Zoom policies.

• Am I covered for professional sports?

• No, even if it is your career, Zoom is not able to cover you if you are going overseas to compete professionally in a sport.

• Are there any exclusions to be aware of?

• Zoom's Personal Liability benefit will not pay for any amount you become legally liable which arises from your conduct of, or employment in, any business, profession, trade or occupation. For a full list of exclusions please read our Product Disclosure Statement.

• Am I covered if my meeting is cancelled and I need to change my flights?

• We cannot cover any claim which arises from changes, errors or omissions in any booking arrangements, or failure to obtain the relevant visa, passport or travel documents. 

• Can I cancel my trip if my annual leave is cancelled by my employer?

• We are unable to pay a claim if you are a full-time permanent employee and your pre-arranged leave is cancelled by your employer.  Unless you are a full-time member of the Australian Defence Force or of federal, state or territory emergency services.