How can I cover my gadgets and high-tech items with TID travel insurance?
Taking your tech with you? Great. TID covers a wide range of electronics, including smartphones, laptops, cameras, and other gadgets. If your items are lost, stolen, or damaged while travelling, your plan may be able to help.
For high-value items, you can add extra protection through TID's ‘Specified Items’ option. This allows you to list individual items you plan to take, adding an extra layer of coverage for your most prized gadgets.
Each specified item is covered for up to $4,000, with a total maximum coverage of $10,000. When getting a quote, simply select the ‘Specified Items’ option and list each item’s value.
Are there limits on what’s covered?
Yes, limits apply to what’s covered under our TID travel insurance plan. We offer varying levels of cover, Domestic, The Basics, The Works, and Annual Multi Trip. Each plan has a set limit for luggage and personal effects, including tech gear, as well as sub limits and excesses that apply.
If you choose to travel with an item that exceeds the limits outlined for each, you have the option of adding it under the Specified Items option for extra coverage. You’ll just need to specify the amount you want it covered for, up to the maximum limit, when you buy a travel insurance plan.
Travel insurance tip: Keep proof of ownership, keep any receipts, and police reports if claiming for lost or stolen items.
What standard cover is available for cameras phones and tech?
- ✔ Coverage varies across our plans. We can offer protection for the loss, theft, or damage of personal items, including smartphones, laptops, cameras, and other tech.
- ✔ Leaving your tech unattended—even in a locked car or storage—may void coverage. Always keep an eye on your gear, even when briefly stepping away.
- ✔ Benefit limits apply, with sub-limits for items like cameras and smartphones.
What's not covered?
There’s a number of exclusions you should be aware of – the full list is outlined in the PDS. Some of the things we don’t cover include:
While travel insurance offers protection, it’s important to understand what’s not covered. Here are some key things we don’t cover:
- X Damage to computer, tablet or smartphone screens at any time
- X Damage to software or applications
- X Luggage or personal effects that are being transported independently of you
- X Luggage or personal effects left unattended, or that you didn’t take reasonable care to protect
- X When you’re entitled to compensation from a carrier
- X Personal computers, smartphones, communication or photographic equipment,
- X electronic equipment, jewellery or watches left by you in a motor vehicle, a motor home or a caravan for any length of time (even if they’re locked)
- X Personal computers, smartphones, communication or photographic equipment, electronic equipment checked in as luggage.
This list is not exhaustive. For full terms, conditions, limitations, and exclusions read the PDS and consider if the product suits your needs.
Need to make a claim?
You can claim anywhere, anytime, online.
Need to know more?
Hit a bit of a snag somewhere and need some help? Consider our 24/7 Emergency Assistance team, your lifebuoy ready to support and steer you through choppy waters.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.
Choose a plan that suits your holiday.
Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.
Domestic
If you're taking some time to explore your own backyard, our Domestic plan protects you for trips within Australia. It can cover you for car hire excess, lost or stolen valuables and cancelled accommodation.
The Works
Our most popular plan, The Works offers broad cover for international trips including cover for costs such as unlimited medical expenses for up to 12 months and cancellation as well as added benefits
The Basics
Sticking to a shoestring budget? The Basics plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.
Annual
Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trips you can take during a 12 month period.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.