COTA Travel Insurance: A Complete Review 2023

Planning a trip or a vacation is exciting, but what happens if the unexpected occurs? Say goodbye to worries with Cota Travel Insurance.

In this article, we will have a look at the very famous Cota Travel Insurance reviews, and also different plans available. From the pros and cons to know about the company, we have covered it all in this blog post. So without wasting your precious time, let’s get started.

About COTA: An Australian Organization

COTA Travel Insurance Company

COTA (Council On The Ageing) is an Australian organization. It aims to provide a quality of life to the country’s seniors and works towards it. It was founded in 1979. With a strong emphasis on customer satisfaction, Cota goes above and beyond to provide insurance solutions to each and every age group.

COTA says that they are “Not-For-Profit Australian Insurance Provider”. This means that they’re not in the industry to make profits or fill the banks of the company, but they are there to support the lives of people. They truly promote well being of the people and also work for it.

They not only provide Travel Insurance, but a lot of other Insurances like Car Insurance, Boat Insurance, Building Insurance, Landlord Insurance, and a lot more. You can learn more about COTA the company and its insurance plans from here.

What is Travel Insurance?

COTA Travel Insurance

Travel insurance is a safety net that offers financial protection for unexpected events while traveling. It covers a range of risks including trip cancellation or interruption, medical emergencies, lost baggage, and a lot more issues. While some may view travel insurance as an unnecessary expense, it can provide invaluable peace of mind by reducing the financial burden associated with travel.

Additionally, travel insurance often includes coverage for lost or stolen luggage, a common occurrence during trips as well as personal liability protection for damages caused unintentionally to others while traveling. These aspects might not be top-of-mind when planning a trip but are important considerations to ensure a smooth travel experience.

In conclusion, regardless of how well we plan our journeys and expect positive experiences abroad, there will always be an element of uncertainty involved. Investing in good quality travel insurance protects us against unexpected events both domestically and internationally and provides essential support when required.

Why Should You Opt for Travel Insurance?

Opting for travel insurance provides you with peace of mind and financial protection against a wide range of unavoidable circumstances.

One of the main reasons why you should opt for travel insurance is that it covers medical emergencies during travel. Whether it’s a minor illness or a serious accident, medical expenses can add up quickly, especially in foreign countries where healthcare costs may be high. With travel insurance, you have access to 24/7 emergency assistance and coverage for medical treatment and hospitalization as needed according to the policies.

Another important aspect of travel insurance is trip cancellation or interruption coverage. Life is unpredictable, and sometimes we may need to cancel our trip due to unavoidable events such as illness, natural disasters, or even work obligations. Without travel insurance, you could end up losing your entire investment in flights, accommodations, and activities. By opting for travel insurance with trip cancellation coverage, you can receive reimbursement for any non-refundable expenses incurred.

Travel insurance also protects your luggage. Imagine arriving at your dream destination, and you realize that your luggage has been lost or stolen. With travel insurance, you will be compensated for the value of your belongings. By opting for travel insurance that covers luggage loss or theft, you can ensure that your vacation memories are not filled with worries. It provides peace to your mind.

For the above reasons, It would be a smarter decision to opt for travel insurance while you’re planning a trip abroad.

What Is COTA Travel Insurance?

COTA Travel Insurance

COTA travel insurance is a comprehensive and essential coverage option for anyone planning a trip. While most people focus on the medical aspects of travel insurance, COTA goes beyond that to provide protection for your luggage as well. This additional coverage is particularly beneficial when traveling with expensive or valuable items like cameras, laptops, or jewelry.

In addition to luggage protection, COTA travel insurance offers many other benefits that make it a wise investment. One of these benefits includes emergency medical evacuation coverage. If you were to become seriously ill or injured while abroad and require specialized care that is not available locally, COTA will cover the cost of transporting you to the nearest suitable facility or even back home if necessary. This kind of assurance can offer great peace of mind when traveling to unfamiliar places.

COTA Travel Insurance Policies Comparison

ParametersEssentials PlanComprehensive PlanAnnual Multi
Trip Plan
Cancellation and Lost DepositsAs per ChosenAs per ChosenAs per Chosen
Money TheftN/A$250$250
Luggage Emergency$200$500$500
Personal Liability$1 million$2.5 million$2.5 million
Emergency Expenses$15,000UnlimitedUnlimited
Loss of IncomeN/A$10,000$10,000
Rental Vehicle Excess$2,000$5,000$5,000
Overseas Medical ExpensesUnlimitedUnlimitedUnlimited
Covid Medical Cover?YesYesYes
Medical Evacuation Cover$500,000UnlimitedUnlimited
Hospital Cash Allowance$5,000$8,000$8,000
Accidental Death$10,000$25,000$25,000
Permanent DisabilityN/A$12,500$12,500
Credit Card FraudN/A$3,000$3,000
Alternative Travel ExpensesN/A$2,000$2,000
Travel Documents $1,000$3,000$3,000
Note: This information is gathered from publicly available sources, please make sure to do your own research before taking a step.

COTA Travel Insurance Activities Comparison

ActivitiesEssentials PlanComprehensive PlanAnnual Multi
Trip Plan
Bungee Jumping
Conservation Work
Mountain Biking
Ocean Cruise
Rock Climbing
Scuba Diving
Sky Diving
Snow SportsOptionalOptional
Note: This information is gathered from publicly available sources, please make sure to do your own research before taking a step.

COTA Travel Insurance Exclusions That You Should Be Aware of

It’s essential to be aware of the exclusions that may apply to your policy. While COTA provides extensive protection, certain situations and event types might not be covered. You should examine these exclusions closely before opting for travel insurance to ensure that it meets your needs.

Incidents resulting from the consumption of alcohol or drugs
Expenses associated with your engagement in illegal activities
Costs already reimbursed via private health insurance or Medicare
Deliberate harm or suicide attempts
Engaging in a professional athletic sport
Participating in a clinical trial
Pre-existing health issues not covered or approved
Traveling contrary to your doctor’s recommendation
Opting for elective or cosmetic surgical procedures
Loss of personal belongings due to negligence
Note: This information is gathered from publicly available sources, please make sure to do your own research before taking a step.

Does COTA Travel Insurance Include COVID-19?

Yes, COTA claims to prove coverage for COVID-19-related illness while traveling. But there are limitations to it. With travel restrictions constantly changing and the risk of infection looming, it is crucial to have clarity on whether COTA’s insurance covers expenses related to the virus. Fortunately, COTA offers comprehensive coverage for COVID-19-related expenses. Such an offering is a game-changer for travelers who are concerned about their health and financial well-being when traveling during these uncertain times. There are obvious limitations to it, which you can read on their products page.

COTA Travel Insurance Pros and Cons

COTA Travel Insurance

Pros ✅Cons ❌
Covid-19 CoverageAge limit in some of the plans
Ocean Activities Coverage Like
Scuba Diving, Surfing, etc.
Lack of customization
Rental Vehicle expenseA lot of activities are not included
Theft of money or luggage

How to Buy COTA Travel Insurance?

You can simply head over to their online portal to complete the easy process of buying insurance.

Click here, to buy COTA Travel Insurance.

When purchasing COTA travel insurance online, it’s important to carefully review all the details and terms and conditions before finalizing your purchase. Take note of any exclusions or limitations that may apply to your policy, as well as any additional benefits that may be included. By thoroughly understanding your coverage, you can ensure that you are protected during your travels.


In conclusion, COTA Travel Insurance offers comprehensive coverage and peace of mind for travelers. With its wide range of policies and flexible options, travelers can find the perfect plan to suit their needs. Whether it’s medical expenses, trip cancellations, or lost baggage, COTA Travel Insurance has got you covered.

Thank you for taking the time and read this blog post. Wish you a great travel experience.

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COTA Travel Insurance FAQs

Is COTA Travel Insurance only for Seniors?

Absolutely Not, COTA Travel Insurance is for everyone who wants to travel without worrying about unexpected circumstances.

How Can I Contact COTA Travel Insurance?

You can contact COTA Travel Insurance by calling their customer service at 1300 1300 50 or writing an email at

Is there any Travel Insurance that covers COVID?

Yes, COTA Travel Insurance is an Australian organization that covers COVID-19 coverage.

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