Travel Insurance

Redwood Insurance Brokers makes travel insurance clear, practical, and matched to how you actually travel. We’ll help you choose cover that fits your destinations, trip length, activities, and health considerations, explain the cover in plain English, and make sure you’re not relying on assumptions (like “my credit card will cover it”). If something goes wrong overseas, we’ll help you understand what to do and support you through the claim process.

Why travel insurance matters

The biggest travel costs aren’t usually lost luggage; they’re medical events, emergency flights home, and sudden cancellations. Even a short overseas trip can become expensive fast if you’re hospitalised, need evacuation, or have to cancel for a serious reason.

Travel insurance can help protect you against unexpected costs while you’re away, subject to policy wording, limits, exclusions and conditions.

Our job is to help you pick cover that matches your trip, not just what’s cheapest.

What we help with:

Cover varies by insurer and policy, but we can help you arrange options such as:

  • Emergency medical expenses overseas (often the main value)

  • Emergency evacuation and repatriation (policy dependent)

  • Trip cancellation and changes (illness, injury, serious events — wording dependent)

  • Travel disruption (delays, missed connections — policy dependent)

  • Luggage and personal items (limits and conditions apply)

  • Passports, travel documents and cash (policy dependent)

  • Rental vehicle excess / damage cover (where available)

  • Personal liability while travelling (policy dependent)

  • Cruise cover (if relevant — often needs to be specified)

We’ll talk through where you’re going, what you’re doing, and what would be a financial disaster if it happened, then recommend cover that fits.

Free insurance review

On-water, on the trailer, in storage (three different risk zones)

Many claims occur when the craft isn’t even on the water: reversing at the ramp, trailer accidents, theft from storage, storm damage, or vandalism.

Plain-English takeaway: we make sure your cover matches the full lifecycle of owning a watercraft, not just the fun bit.

The “gotchas” we look for

This is where a broker earns their keep. We check for:

  • Pre-existing medical conditions (disclosure, assessment, and whether cover applies)

  • Travel advisories and destination restrictions that may affect cover

  • Activities and sports (skiing, diving, motorbike/scooter use, hiking at altitude — often not automatically covered)

  • Alcohol-related incidents (can affect claims depending on wording)

  • Device and valuables sub-limits (phones/laptops/jewellery often have caps)

  • Unattended baggage rules (security requirements)

  • Credit card travel insurance assumptions (often limited and condition-heavy)

  • Buying cover too late (cancellation cover usually only helps if you buy before something happens)

If there’s a gap, we’ll tell you straight and explain your options.

How Redwood does it differently

Independent
We compare options across insurers and recommend the best match for your situation.

Advice, not just a quote
We explain any your cover in plain English so you can choose confidently.

A sharper risk lens
We look for gaps, overlaps, and exclusions that can bite later.

Claims advocacy
If you need to claim, we’re in your corner, helping drive it through to a fair outcome.

Fast-moving
You deal with people who can make progress, not a maze of corporate handoffs.

Our process (simple, on purpose)

  1. Quick chat: what you own, how you live, what you want protected

  2. Review: we check your current cover (or start fresh)

  3. Recommendations: clear options, clear trade-offs

  4. Placement: we organise the policy and confirm key details

  5. Ongoing support: updates, changes, renewals, and claims help

If you need to claim

When something goes wrong, the last thing you need is to become a part-time claims manager.
We help you:

  • understand what to do first

  • lodge and progress the claim

  • provide the right info without overcomplicating it

  • keep momentum with the insurer and other parties

FAQ’s

  • If you can’t comfortably absorb overseas medical or emergency flight costs, travel insurance is usually worth it.

  • Sometimes, but you usually need to disclose them and the insurer may apply conditions. We’ll help you handle it properly.

  • Often yes, but it depends on the reason and the wording. Buying early is important.

  • Often yes, but sub-limits and security conditions apply. We’ll explain what’s realistic.

  • Often yes, if you travel regularly. We’ll check the maximum trip length rules and what’s included.

Want a free second opinion on your travel insurance?


Bring your current policy (or just tell us what you want covered). We’ll review it, explain what matters, and show you options.

Free insurance review