Cassie Bell and Steph Skevington traded careers in law for startup life after bonding over travel insurance at a house party. The duo were underwhelmed by their experiences with traditional providers and felt like people deserved better.

Butter was conceived in 2021. It started with a single-item tech policy in 2022. Now, the brand’s travel policy is available just in time for mid-year adventures.

Whether you’re planning a Euro summer filled with dips in the Mediterranean or dream of eating your way across Japan, Butter offers customisable packages – think country specific or regional cover with basic medical, cancellation and luggage inclusions, plus the option to add on what you need.

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Bell and Skevington have found that many young Aussies are willing to take the risk and not insure themselves. “Some people think, ‘Oh, she’ll be right. I’ll be fine. It won’t happen to me’. But it’s always better to make sure you're covered and know you can get home safely or that medical bills aren’t going to be super expensive,” Bell told Broadsheet. “Other insurers bank on people not knowing what they're covered for, which is really slimy. We’ve tried to make everything as transparent as possible, using really simple language and making our product disclosure statement [PDS] is available for everyone.”

Butter targets travellers under 35. The brand wants to support young travellers, making them feel like insurance is accessible, affordable and has their backs. The team offers 24/7 emergency assistance, which is something else Bell is really passionate about.

Emergency medical and hospital, Covid medical and hospital, trip cancellation and interruption, luggage and personal effects, personal accident, travel delay cover and personal liability are all touched on in the basic package. “Our policies are really modular. They’re designed to be customised but we start with a base package that we worked really hard to make sure strikes a balance between not enough insurance and not too much insurance so that it was really affordable,” Bell says. “Our base policy also includes activities like surfing and snorkelling – things that make travel fun”.

Optional add ons include cover for ski and snow, moped and motorbike, rental car excess, boat and cruise, and even pet boarding if your return from overseas is delayed. But you only have to pay for what you think you’ll need, so you avoid overpaying.

In the spirit of getting the most bang for your buck, Butter is currently offering free Uber rides to anyone who takes out a travel insurance policy before 31 July 2024.

“We also want to look after our customers before their trip even starts, so they’re getting value from their travel insurance even if everything goes to plan,” Bell says.

T&Cs apply, you can read them in full here. Consider the PDS + TMD (available on Butter’s website) when deciding whether Butter is right for you. Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the PDS and TMD for further details.

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