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.

 

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.

 

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.

 

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.
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. 

 

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.

 

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.

 

Travel delay
-
$250
$500
-
Travel delay

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200
$200
$200
$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 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.

 

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$2,500
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.

 

Personal money, travel tickets & passport
-
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.

 

Legal advice & expenses
$10,000
Travel delay

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.

 

Travel delay
-
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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$3,500
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.

 

Personal money, travel tickets & passport
$750
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.

 

Legal advice & expenses
$20,000
Travel delay

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.

 

Travel delay
$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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$5,000
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.

 

Personal money, travel tickets & passport
$1,000
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.

 

Legal advice & expenses
$30,000
Travel delay

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.

 

Travel delay
$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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
-
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.

 

Personal money, travel tickets & passport
-
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.

 

Legal advice & expenses
-
Travel delay

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.

 

Travel delay
-
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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

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.

 

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.

 

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.

 

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.
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. 

 

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.

 

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.

 

Travel delay
-
$250
$500
-
Travel delay

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200
$200
$200
$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 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.

 

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$2,500
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.

 

Personal money, travel tickets & passport
-
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.

 

Legal advice & expenses
$10,000
Travel delay

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.

 

Travel delay
-
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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$3,500
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.

 

Personal money, travel tickets & passport
$750
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.

 

Legal advice & expenses
$20,000
Travel delay

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.

 

Travel delay
$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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
$5,000
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.

 

Personal money, travel tickets & passport
$1,000
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.

 

Legal advice & expenses
$30,000
Travel delay

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.

 

Travel delay
$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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

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.

 

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.

 

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.

 

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.
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. 

 

Baggage & personal effects
-
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.

 

Personal money, travel tickets & passport
-
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.

 

Legal advice & expenses
-
Travel delay

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.

 

Travel delay
-
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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

Excess
$200

Quick Quote

Temporarily Unavailable

We are temporarily ceasing all travel insurance sales.

Following the Australian Government’s advice not to travel overseas, insure4travel has decided to temporarily cease selling policies.

Please refer to the Insurance Council of Australia for a list of alternative providers.

If you are an existing policy holder please refer to our Frequently Asked Questions for information on how your policy will respond as a result of COVID-19.