The table below is a summary of cover and shows the maximum amounts payable under each section per person. For the full terms and conditions please read our Product Disclosure Statement.

Essentials

Excel

Excel Plus

Medical Only

Cancellation fees, lost deposits & curtailment
$2,500
$5,000
$7,500
-
Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Unlimited
Unlimited
Unlimited
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$2,500,000
$5,000,000
$7,500,000
-
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$500
$750
$1,000
-
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Baggage & personal effects
$2,500
$3,500
$5,000
-
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Legal advice & expenses
$10,000
$20,000
$30,000
-
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
$750
$1,000
-
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
$250
$500
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
$5,000
$7,500
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
$10,000
$20,000
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
$1,000
$2,000
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
$1,500
$3,000
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Hijack benefit
-
-
$5,000
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
-
$750
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
-
$5,000
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
-
$2,000
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
-
$5,000
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135
$135
$135
$135
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Essentials

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$2,500
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$2,500,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$500
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$2,500
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$10,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Excel

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$5,000
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$5,000,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$750
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$3,500
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$20,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$750
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
$250
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$5,000
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$10,000
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$1,000
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
$1,500
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Excel Plus

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$7,500
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$7,500,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$1,000
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$5,000
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$30,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$1,000
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
$500
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$7,500
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$20,000
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$2,000
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
$3,000
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
$5,000
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
$750
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
$5,000
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
$2,000
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
$5,000
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Medical Only

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
-
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
-
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
-
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
-
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
-
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

The table below is a summary of cover and shows the maximum amounts payable under each section per person. For the full terms and conditions please read our Product Disclosure Statement.

Essentials

Excel

Excel Plus

Medical Only

Cancellation fees, lost deposits & curtailment
$2,500
$5,000
$7,500
-
Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Unlimited
Unlimited
Unlimited
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$2,500,000
$5,000,000
$7,500,000
-
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$500
$750
$1,000
-
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Baggage & personal effects
$2,500
$3,500
$5,000
-
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Legal advice & expenses
$10,000
$20,000
$30,000
-
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
$750
$1,000
-
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
$250
$500
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
$5,000
$7,500
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
$10,000
$20,000
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
$1,000
$2,000
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
$1,500
$3,000
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Hijack benefit
-
-
$5,000
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
-
$750
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
-
$5,000
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
-
$2,000
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
-
$5,000
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135
$135
$135
$135
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Essentials

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$2,500
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$2,500,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$500
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$2,500
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$10,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Excel

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$5,000
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$5,000,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$750
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$3,500
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$20,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$750
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
$250
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$5,000
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$10,000
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$1,000
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
$1,500
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Excel Plus

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
$7,500
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$7,500,000
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$1,000
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
$5,000
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
$30,000
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$1,000
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
$500
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$7,500
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$20,000
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$2,000
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
$3,000
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
$5,000
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
$750
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
$5,000
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
$2,000
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
$5,000
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Medical Only

Cancellation fees, lost deposits & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cancellation fees, lost deposits & curtailment
-
Overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Personal liability

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
-
Missed departure / connection

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
-
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Baggage & personal effects
-
Legal advice & expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice & expenses
-
Personal money, travel tickets & passport

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
-
Travel delay benefit

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay benefit
-
Abandonment of trip

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
-
Accidental death / disability benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
-
Hospital cash allowance

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
-
Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Car rental excess waiver
-
Hijack benefit

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack benefit
-
Catastrophe cover

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
-
Search & rescue expenses

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
-
Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
-
Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Travel carrier insolvency
-
Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$135

Quick Quote

today

23/03/2019

23/12/2017

Destination & Type of Cover

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.

Travellers

Maximum Trip Length

Travel Dates

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date

 

Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Ages

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 18 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Children under 18 in a family

Other children under 18 years

For more info see our FAQs and Product Disclosure Statement.