Travel Insurance with Accidental Death Benefits
Cover for accidental death while travelling
Travelling is generally an exciting experience, but unfortunately, accidents do sometimes occur. If the worst scenario occurs while you’re travelling, we can help.
The accidental death benefit is included in our International and Domestic Comprehensive and Comprehensive+ Plans – and in our Inbound Plan – to help offset the financial burden your family may face should you suffer from an injury while travelling that results in your death.
To find out exactly what is – and isn’t – covered by our accidental death cover, we recommend you read our PDS. Got a question? Call our helpful Cover-More team on 1300 72 88 22.
What is the accidental death benefit?
The accidental death benefit offers financial support by way of a lump sum payment to the policyholder’s estate if the policyholder suffers an injury and loses their life while travelling or within one year of the accident. It is also sometimes referred to as an AD&D insurance benefit when included in travel insurance, which stands for ‘accidental death and dismemberment’.
Should you suffer an injury during the period of your travel insurance policy that’s caused solely and directly by violent, accidental, visible, and external means – but not caused by a sickness or disease – and it results in your death, our most comprehensive Cover-More travel insurance plans can provide accidental death cover.
This accidental death insurance benefit would be payable to your estate if your claim is approved, for the amount shown in your travel insurance policy, provided your death occurs within one year of the accident.
What Cover-More plans include accidental death cover?
Our Comprehensive and Comprehensive+ International and Domestic Plans include accidental death benefits to help protect you and your loved ones should the unthinkable occur on your travels. The benefit is also available on our Inbound Plan.
The below table outlines the maximum benefit limit of accidental death travel insurance cover for our Cover-More customers, as it differs between plans.
| Plan | Benefit Limit |
|---|---|
| International Comprehensive+ | $30,000* |
| International Comprehensive | $25,000* |
| International Basic | $Nil |
| Inbound | $25,000* |
| Domestic Comprehensive+ | $30,000* |
| Domestic Comprehensive | $25,000* |
| Domestic Basic | $Nil |
*A maximum liability collectively applies for the Loss of Income; Disability; and Accidental Death benefits of $45,000 for the Comprehensive+ plans, and $30,000 for the Comprehensive and Inbound plans.
Before you consider purchasing our Cover-More travel insurance plans with accidental death cover, please also refer to our General Exclusions and the PDS for full policy conditions.
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