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For travellers traveling to international destinations from Australia, three levels of travel insurance are available. All three plans are available to residents of Australia under the age of 71 years old.
Cover for cancellation applies from the moment of policy issuance, while the rest of the benefits become effective immediately upon leaving your home in Australia to commence your international journey. The policy expires upon the your return to Australia. Cover will be automatically extended, free of charge, until your journey can be completed should your return home be delayed due to injury, illness or delays in public transport.
Please note that plan benefits, premium collection, and claim payments are all displayed and transacted in Australian Dollars (AUD), and that no excesses or deductibles apply to the benefits presented below:
| Policy Section and Benefit Type |
Plan A Comprehensive |
Plan B Annual Frequent Traveller |
PLAN C Basic |
| 1* |
Cancellation Fees and Lost Deposits |
unlimited |
unlimited |
|
| 2* |
Overseas Emergency Medical Assistance |
unlimited |
unlimited |
unlimited |
| 3* |
Overseas Emergency Medical and Hospital Expenses |
unlimited |
unlimited |
unlimited |
| Dental Expenses |
$500 |
$500 |
$500 |
| 4* |
Additional Expenses |
$50,000 |
$50,000 |
|
| 5* |
Hospital Cash Allowance |
$5,000 |
$5,000 |
|
| 6* |
Accidental Death |
$25,000 |
$25,000 |
|
| 7* |
Permanent Disability |
$25,000 |
$25,000 |
|
| 8* |
Loss of Income |
$10,400 |
$10,400 |
|
| 9 |
Travel Documents, Credit Cards and Travellers Cheques |
$5,000 |
$5,000 |
|
| 10 |
Theft of Cash |
$250 |
$250 |
|
| 11* |
Luggage and Personal Effects |
$5,000 |
$5,000 |
|
| 12* |
Luggage and Personal Effects Delay Allowance |
$250 |
$250 |
|
| 13* |
Travel Delay Allowance |
$2,000 |
$2,000 |
|
| 14 |
Alternative Transport Expenses |
$5,000 |
$5,000 |
|
| 15 |
Personal Liability |
$5,000,000 |
$5,000,000 |
$5,000,000 |
| 16* |
Rental Vehicle |
$5,000 |
$5,000 |
|
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The following is a Summary of Benefits, briefly describing what is covered by each benefit and included in each assistance service. Please read the Product Disclosure Statement (including Policy Wording). carefully for the complete details of what "We Will Pay" and what "We Will Not Pay". Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the Product Disclosure Statement (including Policy Wording).
Medical and Travel Accident Benefits
OVERSEAS EMERGENCY MEDICAL AND HOSPITAL EXPENSES
Cover for overseas medical treatment if you are injured or become sick overseas, including: - Medical - Hospital - Surgical - Nursing - Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
ADDITIONAL EXPENSES
Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from: - Sickness - Accidental Injury - Death.
OVERSEAS EMERGENCY MEDICAL ASSISTANCE
Cover for emergency medical assistance including: - 24 Hour Emergency Medical Assistance - Ambulance - Medical Evacuations - Funeral Arrangements - Messages to Family - Hospital Guarantees.
HOSPITAL CASH ALLOWANCE
An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours
ACCIDENTAL DEATH
A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury.
PERMANENT DISABILITY
A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey.
LOSS OF INCOME
A weekly Loss of Income Benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days.
Travel Inconvenience Benefits
LUGGAGE AND PERSONAL EFFECTS
Cover for replacing Luggage and Personal Effects stolen or reimbursing repair cost for accidentally damaged items, including: - Luggage - Spectacles Personal Effects - Personal Computers - Cameras.
TRAVEL DOCUMENTS, CREDIT CARDS AND TRAVELLERS CHEQUES
Cover to replace costs of travel documents lost or stolen from you during your journey, such as: - Passports - Credit Cards - Travel Documents - Travellers Cheques.
THEFT OF CASH
Cover for the following items stolen from your person, up to $250 for all claims combined: - Bank Notes - Cash - Currency Notes - Postal Orders - Money Orders.
LUGGAGE AND PERSONAL EFFECTS DELAY EXPENSES
Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your Carrier for more than 12 hours.
TRAVEL DELAY EXPENSES
Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.
ALTERNATIVE TRANSPORT EXPENSES
Cover for additional travel expenses following transport delays to reach events such as: - Wedding - Funeral - Conference - Sporting Event - Pre-paid Travel/Tour Arrangements.
CANCELLATION FEES AND LOST DEPOSITS
Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as: - Sickness - Accidents - Strikes - Collisions - Retrenchment - Natural Disasters.
RENTAL VEHICLE
Cover for car Excess payable on Motor Vehicle Insurance resulting from your Rental Vehicle being: - Stolen - Crashed - Damaged and/or cost of returning the Rental Vehicle due to you being unfit.
PERSONAL LIABILITY
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
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