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.

Comprehensive

Overseas Medical Expenses & Assistance
Unlimited
Overseas Medical Expenses & Assistance

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of emergency medical, surgical and hospital treatment and transportation.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Emergency Medical Cover Whilst Cruising
Unlimited
Emergency Medical Cover Whilst Cruising

Necessary and reasonable costs incurred as a result of your bodily injury or illness that occurs whilst on a cruise in respect of emergency medical, on-board hospital treatment and transportation.

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
$20,000
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 - within Australia
$10,000
Cancellation Fees, Lost Deposits & Curtailment - within Australia

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 - 81 to 90 years of age
$10,000
Cancellation Fees, Lost Deposits & Curtailment - 81 to 90 years of age

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.

Additional Expenses - International
$100,000
Additional Expenses - International

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - within Australia
$25,000
Additional Expenses - within Australia

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Prepaid Shore Excursion Cancellation
$1,000
Prepaid Shore Excursion Cancellation

You are covered up to the amount shown in the Schedule of Cover if you cannot participate in your pre-paid shore excursion(s) in the event you are confined to hospital or your cabin as a result of bodily injury or illness that occurs whilst on a cruise.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Cabin Confinement
$750
Cruise Cabin Confinement

You are covered up to the amount shown in the Schedule of Cover if you are confined to the on-board hospital or your cabin (as a result of bodily injury or illness) for more than 24 hours for a benefit payment of $75.  A further benefit of $75 for each subsquent 24 hour period for which you remain confined. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed Port
$500
Missed Port

You are covered up to $50 for each scheduled port your cruise never docks at where an alternative port is not provided, up to the maximum amount shown in the Schedule of Cover.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Hospital Cash Allowance - International
$6,000
Hospital Cash Allowance - International

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 Expenses and Assistance) 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 - within Australia
$3,000
Hospital Cash Allowance - within Australia

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 Expenses and Assistance) of this policy.

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
$50,000
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.

Baggage & Personal Effects - International
$20,000
Baggage & Personal Effects - International

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - within Australia
$5,000
Baggage & Personal Effects - within Australia

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 and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - International
$1,500
Baggage Delay Expenses - International

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $500 (up to a maximum of $1,500) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - within Australia
$750
Baggage Delay Expenses - within Australia

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $250 (up to a maximum of $750) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Travel Documents, Transaction Cards & Traveller's Cheques
$3,000
Travel Documents, Transaction Cards & Traveller's Cheques

We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged.  In addition, we will pay the 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.

Cash
$500
Cash

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

 

Travel Delay - International
$3,000
Travel Delay - International

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 - within Australia
$1,500
Travel Delay - within Australia

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.

Alternative Transport Expenses
$7,000
Alternative Transport Expenses

You are covered up to the amount shown in the Schedule of Cover 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:
a. the failure of public transport, or
b. 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.

 

Car Rental Excess Waiver
$10,000
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 and conditions, please refer to the Product Disclosure Statement.

Personal Liability
$5,000,000
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.

Loss of Income
$26,000
Loss of Income

You are covered up to the amount shown in the Schedule of Cover for 85% of your net income up to a maximum of $500 per week for a maximum of 52 continuous weeks.  

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Excess
$200
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 therefore is the uninsured portion of your loss.

Comprehensive

Overseas Medical Expenses & Assistance

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of emergency medical, surgical and hospital treatment and transportation.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Overseas Medical Expenses & Assistance
Unlimited
Emergency Medical Cover Whilst Cruising

Necessary and reasonable costs incurred as a result of your bodily injury or illness that occurs whilst on a cruise in respect of emergency medical, on-board hospital treatment and transportation.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Emergency Medical Cover Whilst Cruising
Unlimited
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
$20,000
Cancellation Fees, Lost Deposits & Curtailment - within Australia

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 - within Australia
$10,000
Cancellation Fees, Lost Deposits & Curtailment - 81 to 90 years of age

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 - 81 to 90 years of age
$10,000
Additional Expenses - International

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - International
$100,000
Additional Expenses - within Australia

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - within Australia
$25,000
Prepaid Shore Excursion Cancellation

You are covered up to the amount shown in the Schedule of Cover if you cannot participate in your pre-paid shore excursion(s) in the event you are confined to hospital or your cabin as a result of bodily injury or illness that occurs whilst on a cruise.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Prepaid Shore Excursion Cancellation
$1,000
Cruise Cabin Confinement

You are covered up to the amount shown in the Schedule of Cover if you are confined to the on-board hospital or your cabin (as a result of bodily injury or illness) for more than 24 hours for a benefit payment of $75.  A further benefit of $75 for each subsquent 24 hour period for which you remain confined. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Cabin Confinement
$750
Missed Port

You are covered up to $50 for each scheduled port your cruise never docks at where an alternative port is not provided, up to the maximum amount shown in the Schedule of Cover.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed Port
$500
Hospital Cash Allowance - International

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 Expenses and Assistance) 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 - International
$6,000
Hospital Cash Allowance - within Australia

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 Expenses and Assistance) 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 - within Australia
$3,000
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
$50,000
Baggage & Personal Effects - International

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - International
$20,000
Baggage & Personal Effects - within Australia

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - within Australia
$5,000
Baggage Delay Expenses - International

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $500 (up to a maximum of $1,500) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - International
$1,500
Baggage Delay Expenses - within Australia

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $250 (up to a maximum of $750) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - within Australia
$750
Travel Documents, Transaction Cards & Traveller's Cheques

We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged.  In addition, we will pay the 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 Documents, Transaction Cards & Traveller's Cheques
$3,000
Cash

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

 

Cash
$500
Travel Delay - International

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 - International
$3,000
Travel Delay - within Australia

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 - within Australia
$1,500
Alternative Transport Expenses

You are covered up to the amount shown in the Schedule of Cover 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:
a. the failure of public transport, or
b. 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.

 

Alternative Transport Expenses
$7,000
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 and conditions, please refer to the Product Disclosure Statement.

Car Rental Excess Waiver
$10,000
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.

Personal Liability
$5,000,000
Loss of Income

You are covered up to the amount shown in the Schedule of Cover for 85% of your net income up to a maximum of $500 per week for a maximum of 52 continuous weeks.  

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Loss of Income
$26,000
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 therefore is the uninsured portion of your loss.

Excess
$200

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.

Comprehensive

Overseas Medical Expenses & Assistance
Unlimited
Overseas Medical Expenses & Assistance

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of emergency medical, surgical and hospital treatment and transportation.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Emergency Medical Cover Whilst Cruising
Unlimited
Emergency Medical Cover Whilst Cruising

Necessary and reasonable costs incurred as a result of your bodily injury or illness that occurs whilst on a cruise in respect of emergency medical, on-board hospital treatment and transportation.

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
$20,000
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 - within Australia
$10,000
Cancellation Fees, Lost Deposits & Curtailment - within Australia

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 - 81 to 90 years of age
$10,000
Cancellation Fees, Lost Deposits & Curtailment - 81 to 90 years of age

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.

Additional Expenses - International
$100,000
Additional Expenses - International

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - within Australia
$25,000
Additional Expenses - within Australia

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Prepaid Shore Excursion Cancellation
$1,000
Prepaid Shore Excursion Cancellation

You are covered up to the amount shown in the Schedule of Cover if you cannot participate in your pre-paid shore excursion(s) in the event you are confined to hospital or your cabin as a result of bodily injury or illness that occurs whilst on a cruise.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Cabin Confinement
$750
Cruise Cabin Confinement

You are covered up to the amount shown in the Schedule of Cover if you are confined to the on-board hospital or your cabin (as a result of bodily injury or illness) for more than 24 hours for a benefit payment of $75.  A further benefit of $75 for each subsquent 24 hour period for which you remain confined. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed Port
$500
Missed Port

You are covered up to $50 for each scheduled port your cruise never docks at where an alternative port is not provided, up to the maximum amount shown in the Schedule of Cover.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Hospital Cash Allowance - International
$6,000
Hospital Cash Allowance - International

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 Expenses and Assistance) 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 - within Australia
$3,000
Hospital Cash Allowance - within Australia

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 Expenses and Assistance) of this policy.

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
$50,000
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.

Baggage & Personal Effects - International
$20,000
Baggage & Personal Effects - International

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - within Australia
$5,000
Baggage & Personal Effects - within Australia

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 and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - International
$1,500
Baggage Delay Expenses - International

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $500 (up to a maximum of $1,500) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - within Australia
$750
Baggage Delay Expenses - within Australia

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $250 (up to a maximum of $750) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Travel Documents, Transaction Cards & Traveller's Cheques
$3,000
Travel Documents, Transaction Cards & Traveller's Cheques

We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged.  In addition, we will pay the 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.

Cash
$500
Cash

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

 

Travel Delay - International
$3,000
Travel Delay - International

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 - within Australia
$1,500
Travel Delay - within Australia

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.

Alternative Transport Expenses
$7,000
Alternative Transport Expenses

You are covered up to the amount shown in the Schedule of Cover 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:
a. the failure of public transport, or
b. 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.

 

Car Rental Excess Waiver
$10,000
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 and conditions, please refer to the Product Disclosure Statement.

Personal Liability
$5,000,000
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.

Loss of Income
$26,000
Loss of Income

You are covered up to the amount shown in the Schedule of Cover for 85% of your net income up to a maximum of $500 per week for a maximum of 52 continuous weeks.  

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Excess
$200
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 therefore is the uninsured portion of your loss.

Comprehensive

Overseas Medical Expenses & Assistance

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of emergency medical, surgical and hospital treatment and transportation.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Overseas Medical Expenses & Assistance
Unlimited
Emergency Medical Cover Whilst Cruising

Necessary and reasonable costs incurred as a result of your bodily injury or illness that occurs whilst on a cruise in respect of emergency medical, on-board hospital treatment and transportation.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Emergency Medical Cover Whilst Cruising
Unlimited
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
$20,000
Cancellation Fees, Lost Deposits & Curtailment - within Australia

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 - within Australia
$10,000
Cancellation Fees, Lost Deposits & Curtailment - 81 to 90 years of age

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 - 81 to 90 years of age
$10,000
Additional Expenses - International

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - International
$100,000
Additional Expenses - within Australia

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

  • 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 where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally 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

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - within Australia
$25,000
Prepaid Shore Excursion Cancellation

You are covered up to the amount shown in the Schedule of Cover if you cannot participate in your pre-paid shore excursion(s) in the event you are confined to hospital or your cabin as a result of bodily injury or illness that occurs whilst on a cruise.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Prepaid Shore Excursion Cancellation
$1,000
Cruise Cabin Confinement

You are covered up to the amount shown in the Schedule of Cover if you are confined to the on-board hospital or your cabin (as a result of bodily injury or illness) for more than 24 hours for a benefit payment of $75.  A further benefit of $75 for each subsquent 24 hour period for which you remain confined. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Cabin Confinement
$750
Missed Port

You are covered up to $50 for each scheduled port your cruise never docks at where an alternative port is not provided, up to the maximum amount shown in the Schedule of Cover.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed Port
$500
Hospital Cash Allowance - International

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 Expenses and Assistance) 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 - International
$6,000
Hospital Cash Allowance - within Australia

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 Expenses and Assistance) 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 - within Australia
$3,000
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
$50,000
Baggage & Personal Effects - International

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - International
$20,000
Baggage & Personal Effects - within Australia

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 and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - within Australia
$5,000
Baggage Delay Expenses - International

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $500 (up to a maximum of $1,500) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - International
$1,500
Baggage Delay Expenses - within Australia

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $250 (up to a maximum of $750) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - within Australia
$750
Travel Documents, Transaction Cards & Traveller's Cheques

We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged.  In addition, we will pay the 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 Documents, Transaction Cards & Traveller's Cheques
$3,000
Cash

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

 

Cash
$500
Travel Delay - International

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 - International
$3,000
Travel Delay - within Australia

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 - within Australia
$1,500
Alternative Transport Expenses

You are covered up to the amount shown in the Schedule of Cover 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:
a. the failure of public transport, or
b. 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.

 

Alternative Transport Expenses
$7,000
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 and conditions, please refer to the Product Disclosure Statement.

Car Rental Excess Waiver
$10,000
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.

Personal Liability
$5,000,000
Loss of Income

You are covered up to the amount shown in the Schedule of Cover for 85% of your net income up to a maximum of $500 per week for a maximum of 52 continuous weeks.  

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Loss of Income
$26,000
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 therefore is the uninsured portion of your loss.

Excess
$200

Quick Quote

today

15/04/2025

15/10/2025

15/07/2024

Destination & Type of Cover

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

 

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 20. If you have more than 20 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 90 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 {maxAge} 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 90 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 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Child 0-18

Adults (19-35)

Adults 36 to 50 years

Adults 51 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Adults 76 to 80 years

Adults 81 to 85 years

Adults 86 to 90 years