Useful Information
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Butter Travel
Product Disclosure Statement & Financial Services Guide - 8 July 2024
Target Market Determination - 9 April 2024
Automatically covered pre-existing medical conditions
Duty to take reasonable care not to make a misrepresentation
Frequently Asked Questions
What does travel insurance cover?
Travel insurance coverage can be grouped into three main categories: financial reimbursement, travel medical coverage, and 24-hour assistance. The most common type of travel insurance claim is the financial type. Depending on your policy benefits, you can submit a claim for costs incurred due to things like needing to cancel your trip (for a covered reason), trip delay or interruption, missed connections, or lost baggage.
Travel medical coverage is an especially important benefit if you’re travelling abroad and your everyday health insurance may not or won’t cover you. Many plans also have emergency medical evacuation available, which can arrange and pay for medical transportation to a hospital or even to your home if it’s medically necessary.
What does travel insurance not cover?
While travel insurance can provide coverage for a wide range of unexpected events, it’s important to know what’s not included. Be sure to read the specific details of your policy. Generally speaking, travel insurance won’t cover anything that doesn’t fall under “unforeseen circumstances”.
Does Butter travel cover COVID-19?
Butter travel insurance includes cover as standard for medical expenses caused by or resulting from COVID-19.
Butter travel insurance includes optional cover for Cancellation and Trip Interruption. If selected, this option extends cover to events caused by or resulting from COVID-19. Claims will be paid up to the amount shown in your Certificate of Insurance and subject to the terms and conditions of your policy.
How much does it cost?
The cost can vary based upon your age, destination, chosen limits and trip length, amongst other variables.
What can I add Butter to?
You can take out Butter on the categories listed in your Butter account (including new Phones, Laptops, Headphones and more), with an original purchase price between AU$300 - AU$5,000.
How do I add Butter?
You can take Butter out on selected new items directly through our website by adding an item to your Butter account, within 90 days of the original purchase date of that item.
What am I covered for with Butter?
Butter covers your new item against accidental damage and theft Australia-wide, as well as outside of Australia while you are travelling for up to 90 days.
Accidental damage means unintentional damage to the item that is not expected or planned by you.
Theft means the dishonest appropriation without lawful excuse of the item by someone other than you, where that other person intended to permanently deprive you of the item.
What doesn’t Butter cover?
Butter does not cover you for accidental loss of your item.This means that if you accidentally leave your item somewhere unattended, it won’t be covered. Other exclusions also apply, so be sure to read the Product Disclosure Statement in full. The section covering exclusions is on page 8 of the Product Disclosure Statement.
How do I manage my cover?
If you have taken out a Butter policy, you can view and manage your cover in your Butter account, which you can access by selecting 'Login' at the top of this page. If you need extra support in managing your cover, please email support@butterinsurance.com.au and we would be happy to assist you.
How do I make a claim?
If you have taken out a Butter policy, you can make a claim in your Butter account, which you can access by selecting 'Login' at the top of this page. Once you have logged in, navigate to the 'My Claims' section of your account and follow the prompts to lodge your claim. If you need extra support to lodge a claim, or have a question about an ongoing claim, please email support@butterinsurance.com.au and we would be happy to assist you.
Where can I find the PDS?
Our combined PDS & FSGs for both Travel and Tech can be found in the 'Useful Links' section at the bottom of this website. If you have taken out a Butter policy, you can also view these documents in your Butter account, which you can access by selecting 'Login' at the to of this page.
How can I get a quote?
You can take out a quote for either Travel or Tech by using the buttons on this homepage. We only ask a few questions and generally you can get covered in under 2 minutes. If you need help taking out a quote please email support@butterinsurance.com.au and we would be happy to assist you.
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