Down Under Travel Insurance

Downunder Travel Insurance offers a wide range of travel insurance policies for residents of the UK, Australia and New Zealand. Downunder sells travel insurance direct so that the savings are passed on to the consumer. UK insurance policies are underwritten by by Europ Assistance Holding Irish Branch of 13-17 Dawson Street, Dublin 2, Ireland..

Policy Types

Down Under Travel Insurance
  • Single Trip
  • Annual Multi Trip
  • Backpacker & Long Stay
  • Winter Sports

Policy Benefits

  • 24-hour emergency assistance
  • Medical expenses up to £10,000,000
  • Personal liability up to £2,000,000
  • Personal accident up to £30,000
  • Cancellation cover up to £3,000
  • Personal effects and belongings up to £1,500


Visit Down Under Travel Insurance for a quote.

Policy Enquiries0800 393 908
Enquiries if overseas+44 207 402 9211
24 hour Emergency Assistance+44 (0) 1444 442 679
Claims Helpline0844 338 6283

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My brother got admitted to hospital while travelling in Europe and insured with Downunder travel insurance. Downunder (underwritten by AIG) did nothing to help immediately so I drove 2 days to be with him since I was also travelling elsewhere in Europe and there were language problems with the hospital. Once I knew what the situation was I called them again to get their help, since he couldn't travel any more and needed to be flown home with assistance and given medication frequently, he certainly wasn't in a state to be able to do this on his own. He wasn't getting very good treatment either, the hospital was sub-standard. The insurance delayed any decision as long as they could, saying they were accessing medical records from his doctor in the UK to ensure the condition was not pre-existing. After a week, they said they were still waiting on the records, even though they had been sent, the records hadn't shown up at Downunder/AIG. They suggested we could repatriate him home and we could claim the costs back (if covered) (they even gave us a special deal on flights which turned out 3 times what we could buy them for). The situation was quite tense by then and we were chewing thru money on accommodation etc. So someone from home flew in and picked him up and flew home with him. Once he started to recover, we asked for a claim form to claim the costs, they refused to send it!!! We wrote a letter of complaint and months later got the claim form. Then we completed it with all the costs and receipts and months later got a letter saying that he could have continued his travels so they aren't paying!! I am sure if you are in a life or death situation, in a dodgy foreign hospital, these guys would happily let you die rather than help.
Posted by Tom Jones on the 25th September 20081 stars
The Down Under Insurance homepage seems a bit crowded. There are lots of different types of cover on offer, and it can appear a bit confusing at first. Contrary to its name, it provides insurance for the entire world, not just to or from Australasia.

The policy covers a wide variety of adventure sports, and includes bonus features such as a 14 day money back guarantee, an extension to your policy and up to 60 adventure sports covered. However, it states that you have to be under 56 years old to get insured, and also asks if anyone is over 45 when making a quote, which may increase the premium. Generally, the site seems geared towards a younger crowd.

Obtaining a quote is quick and simple. You enter your destination, which is split into five different world zones, then the start date and the duration of your trip, the number of adults, children and infants (under 24 months), and a choice of Annual or Family cover.

After getting the quote, you are provided with four levels of cover: Adventurer, Backpacker, Comprehensive and Essentials. Frustratingly, the details of each policy are not revealed at this point, and for this you must check out the separate ‘policies’ tab at the top of the screen, which diverts you away from the quote.

You then have the opportunity of adding on various ‘extensions’, which include such diverse events as ‘Shark Diving’ and ‘Cliff Walking’, all of which state how much will be added onto the premium. You will then fill out your details and make a secure payment.

There are numerous grammatical mistakes on the site, which does not help to inspire confidence in the product. However, overall the site is fairly easy to use, and the cover is fairly comprehensive.
Posted by Jon France on the 9th June 20083 stars