Why pack our travel insurance for Bali?
Discovering Indonesia’s most popular island on two wheels? Opting for a zen retreat-style getaway? Whatever your holiday style, apply SPF to your Balinese holiday plans.
It’s flexible
You can choose one of our two Motorcycle/Moped Riding Cover levels to get the one that suits your trip and skill levels.
It’s caring
You get access to our brilliant 24/7 emergency assistance team – we’re here for you when you need us most.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on paying all the bills.
It’s fun
You get automatic cover for 80 fun activities if you love more excitement, plus the option to get cover for more adventurous sports.
It’s flexible
You can choose one of our two Motorcycle/Moped Riding Cover levels to get the one that suits your trip and skill levels.
It’s caring
You get access to our brilliant 24/7 emergency assistance team – we’re here for you when you need us most.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on paying all the bills.
It’s fun
You get automatic cover for 80 fun activities if you love more excitement, plus the option to get cover for more adventurous sports.
What you get with our Bali travel insurance
Whether you’ve suffered a bout of Bali Belly or had an accident on your rented moped, we cover what we say we will. So, pretty please, have a quick look at the table below to see what’s covered, what’s not, and the limits for our travel insurance for Bali cover.
You should also read the Product Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. Yes, it might sound slightly dull (it is a bit) but you need to read it to help you choose the right Bali travel insurance for you and your escape.
Good to know: You can choose a single trip policy for a one-off holiday or get an annual multi-trip policy if you’re a frequent flyer to Bali or beyond – lucky you!
International
Basic
Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.
Pre-trip COVID-19 cancellation cover§
Unlimited~ Overseas Medical Expenses
Up to $5,000 luggage cover*
$1,000 smartphone cover•
Travel Delay cover
International
Comprehensive
More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.
Pre-trip COVID-19 cancellation cover†#
Unlimited~ Overseas Medical Expenses
Up to $15,000 luggage cover*
$1,500 smartphone cover•
$2,000 Travel Delay cover*
International
Comprehensive
Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.
Pre-trip COVID-19 cancellation cover†#
Unlimited~ Overseas Medical Expenses
Up to $25,000 luggage cover*
$2,500 smartphone cover•
$3,000 Travel Delay cover*
| Benefit | International Basic | International Comprehensive | International Comprehensive + |
|---|---|---|---|
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If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
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Selected benefits see PDS for details | Selected benefits see PDS for details | Selected benefits see PDS for details |
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If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
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Included | Included | Included |
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If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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$Unlimited~ | $Unlimited~ | $Unlimited~ |
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If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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$2,000 | $2,000 | $2,000 |
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If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
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Available | Available | Available |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
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$Nil | $6,000 | $10,000 |
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If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
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$Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
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If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
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$Unlimited* | $Unlimited* | $Unlimited* |
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If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
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$25,000 | $50,000 | $60,000 |
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If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
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$Nil | $2,000 | $3,000 |
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If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
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$Nil | $3,000 | $6,000 |
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If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
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$Nil | $3,000 | $3,000 |
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If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
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$Nil | $5,000 | $10,000 |
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If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
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$Nil | $5,000 | $6,000 |
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If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
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$Nil | $5,000 | $10,000 |
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If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
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$5,000 | $15,000 | $25,000 |
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We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$1,000 | $1,500 | $2,500 |
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We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$3,500 | $4,000 | $6,000 |
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We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$3,000 | $4,000 | $5,000 |
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We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$3,000 | $3,000 | $3,000 |
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We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$1,000 | $1,200 | $2,000 |
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We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$1,000 | $1,200 | $1,500 |
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We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$1,000 | $1,200 | $1,500 |
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If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
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$600 | $1,100 | $1,500 |
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If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
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$Nil | $250 | $500 |
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If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $30,000◊ | $45,000◊ |
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If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $25,000◊ | $30,000◊ |
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If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $25,000◊ | $30,000◊ |
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If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
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$1,000,000 | $2,500,000 | $5,000,000 |
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If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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N/A | N/A | N/A |
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If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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$Nil | $5,000 | $10,000 |
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If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
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Not included | Not included | Included see PDS for details |
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If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
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Not included | Not included | Included see PDS for details |
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If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
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Cover available | Cover available | Cover available |
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We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
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80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. |
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Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
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Included | Included | Included |
| Benefit | ||
|---|---|---|
| International Basic | International Comprehensive | International Comprehensive + |
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If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
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| Selected benefits see PDS for details | Selected benefits see PDS for details | Selected benefits see PDS for details |
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If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
||
| Included | Included | Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| $Unlimited~ | $Unlimited~ | $Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| $2,000 | $2,000 | $2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
||
| Available | Available | Available |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| N/A | N/A | N/A |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| N/A | N/A | N/A |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $6,000 | $10,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
||
| $Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
||
| $Unlimited* | $Unlimited* | $Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
||
| $25,000 | $50,000 | $60,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $2,000 | $3,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
||
| $Nil | $3,000 | $6,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $3,000 | $3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
||
| $Nil | $5,000 | $10,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
||
| $Nil | $5,000 | $6,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $5,000 | $10,000 |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
||
| $5,000 | $15,000 | $25,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $1,000 | $1,500 | $2,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $3,500 | $4,000 | $6,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $3,000 | $4,000 | $5,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $3,000 | $3,000 | $3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $1,000 | $1,200 | $2,000 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $1,000 | $1,200 | $1,500 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $1,000 | $1,200 | $1,500 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| Optional cover available | Optional cover available | Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
|
||
| $600 | $1,100 | $1,500 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
|
||
| $Nil | $250 | $500 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $30,000◊ | $45,000◊ |
|
If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $25,000◊ | $30,000◊ |
|
If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $25,000◊ | $30,000◊ |
|
If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
|
||
| $1,000,000 | $2,500,000 | $5,000,000 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
||
| N/A | N/A | N/A |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
||
| $Nil | $5,000 | $10,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
||
| Not included | Not included | Included see PDS for details |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
|
||
| Not included | Not included | Included see PDS for details |
|
If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
|
||
| Cover available | Cover available | Cover available |
|
We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
|
||
| 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. |
|
Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
|
||
| Optional cover available | Optional cover available | Optional cover available |
|
Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
|
||
| Optional cover available | Optional cover available | Optional cover available |
|
If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
|
||
| Included | Included | Included |
Important bits for you to know:
**Our Comprehensive plan earned this crown because it’s the plan our travellers bought most over the past year. But only you can know and decide which plan is right for you and your trip, so don’t forget to read the PDS before you buy.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our domestic plans.
^Cover chosen applies per policy.
+Limits apply to subsections point 2 and 5f.
‡Conditions apply if you are aware of the pregnancy at the relevant time.
*Sub-limits apply
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive plan and $45,000 on our Comprehensive+ plan.
#A special excess will apply to Additional Expenses if you’re diagnosed with COVID-19 on your trip and Amendment or Cancellation Costs if you or your travelling companion are diagnosed with COVID-19 on your trip. If your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess.
†Limits, sub-limits, conditions, and exclusions apply. Our COVID-19 travel insurance benefits exclude cover for government border closures, lockdowns or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, and medical expenses if you’re entering a country with ‘Do not travel’ advice on smartraveller.gov.au.
§Refers only to pre-trip Amendment or Cancellation Costs cover if you or your travelling companion are diagnosed with COVID-19 and can no longer travel. Other pre-trip benefits apply. See the PDS for full details.
Here’s what you get with our single trip travel insurance for Australian trips
We cover what we say we will. So, have a quick look at the table below to see what’s covered, what‘s not, and the limits for our single trip cover that’s designed for one-off domestic trips.
You should also actually read the Policy Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. Yes, it might sound a bit boring (it is a bit) but you need to read it to help you choose the right single trip travel insurance cover for you and your trip.
Good to know: If you travel a lot, instead of buying a single trip policy for one-off trips, you might want to consider an annual multi-trip policy.
Domestic
Basic
Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.
Pre-trip COVID-19 cancellation cover§
$10,000 Additional Expenses cover*
Luggage cover
Personal Vehicle Insurance Excess
Rental Vehicle Insurance Excess
Domestic
Comprehensive
More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.
Pre-trip COVID-19 cancellation cover†#
$10,000 Additional Expenses cover*
Up to $5,000 luggage cover*
$2,500 Personal Vehicle Insurance Excess
$5,000 Rental Vehicle Insurance Excess
Domestic
Comprehensive
Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.
Pre-trip COVID-19 cancellation cover†#
$25,000 Additional Expenses cover*
Up to $15,000 luggage cover*
$2,500 Personal Vehicle Insurance Excess
$10,000 Rental Vehicle Insurance Excess
| Benefit | Domestic Basic | Domestic Comprehensive | Domestic Comprehensive + |
|---|---|---|---|
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
Selected benefits see PDS for details | Selected benefits see PDS for details | Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
Included | Included | Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
N/A | N/A | N/A |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
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Available | Available | Available |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $Nil |
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If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
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$Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
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If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
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$10,000* | $10,000* | $25,000* |
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If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
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Included in overall Additional Expenses limit | Included in overall Additional Expenses limit | Included in overall Additional Expenses limit |
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If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
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$Nil | $1,000 | $1,000 |
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If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
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$Nil | $Nil | $2,000 |
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If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $2,000 |
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If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
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$Nil | $5,000 | $10,000 |
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If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
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$Nil | $2,000 | $2,000 |
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If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $Nil |
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If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
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$Nil | $5,000 | $15,000 |
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We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,500 | $2,500 |
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We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $4,000 | $6,000 |
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We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $4,000 | $5,000 |
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We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $3,000 | $3,000 |
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We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $2,000 |
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We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $1,500 |
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We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $1,500 |
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If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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N/A | Optional cover available | Optional cover available |
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If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
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$Nil | $1,100 | $1,500 |
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If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
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$Nil | $250 | $500 |
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If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $30,000◊ | $45,000◊ |
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If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $25,000◊ | $30,000◊ |
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If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
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$Nil | $25,000◊ | $30,000◊ |
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If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
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$1,000,000 | $2,500,000 | $5,000,000 |
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If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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Not included | $2,500 | $2,500 |
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If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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$Nil | $5,000 | $10,000 |
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If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
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Not included | Not included | Included see PDS for details |
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If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
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Not included | Not included | Included see PDS for details |
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If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
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Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. |
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We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
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80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. |
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Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
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Included | Included | Included |
| Benefit | ||
|---|---|---|
| Domestic Basic | Domestic Comprehensive | Domestic Comprehensive + |
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If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
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| Selected benefits see PDS for details | Selected benefits see PDS for details | Selected benefits see PDS for details |
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If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
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| Included | Included | Included |
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If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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| N/A | N/A | N/A |
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If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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||
| N/A | N/A | N/A |
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If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
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||
| Available | Available | Available |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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||
| N/A | N/A | N/A |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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| N/A | N/A | N/A |
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If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
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| $Nil | $Nil | $Nil |
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If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
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||
| $Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
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If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
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| $10,000* | $10,000* | $25,000* |
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If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
||
| Included in overall Additional Expenses limit | Included in overall Additional Expenses limit | Included in overall Additional Expenses limit |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $1,000 | $1,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
||
| $Nil | $Nil | $2,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $Nil | $2,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
||
| $Nil | $5,000 | $10,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
||
| $Nil | $2,000 | $2,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $Nil | $Nil |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
||
| $Nil | $5,000 | $15,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $1,500 | $2,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $4,000 | $6,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $4,000 | $5,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $3,000 | $3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $1,200 | $2,000 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $1,200 | $1,500 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| $Nil | $1,200 | $1,500 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
||
| N/A | Optional cover available | Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
|
||
| $Nil | $1,100 | $1,500 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
|
||
| $Nil | $250 | $500 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $30,000◊ | $45,000◊ |
|
If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $25,000◊ | $30,000◊ |
|
If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $Nil | $25,000◊ | $30,000◊ |
|
If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
|
||
| $1,000,000 | $2,500,000 | $5,000,000 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
||
| Not included | $2,500 | $2,500 |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
||
| $Nil | $5,000 | $10,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
||
| Not included | Not included | Included see PDS for details |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
|
||
| Not included | Not included | Included see PDS for details |
|
If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
|
||
| Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. |
|
We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
|
||
| 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. |
|
Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
|
||
| Optional cover available | Optional cover available | Optional cover available |
|
Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
|
||
| Optional cover available | Optional cover available | Optional cover available |
|
If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
|
||
| Included | Included | Included |
Important bits for you to know:
**Our Comprehensive plan earned this crown because it’s the plan our travellers bought most over the past year. But only you can know and decide which plan is right for you and your trip, so don’t forget to read the PDS before you buy.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our domestic plans.
^Cover chosen applies per policy.
+Limits apply to subsections point 2 and 5f.
‡Conditions apply if you are aware of the pregnancy at the relevant time.
*Sub-limits apply
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive plan and $45,000 on our Comprehensive+ plan.
#A special excess will apply to Additional Expenses if you’re diagnosed with COVID-19 on your trip and Amendment or Cancellation Costs if you or your travelling companion are diagnosed with COVID-19 on your trip. If your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess.
†Limits, sub-limits, conditions, and exclusions apply. Our COVID-19 travel insurance benefits exclude cover for government border closures, lockdowns or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, and medical expenses if you’re entering a country with ‘Do not travel’ advice on smartraveller.gov.au.
§Refers only to pre-trip Amendment or Cancellation Costs cover if you or your travelling companion are diagnosed with COVID-19 and can no longer travel. Other pre-trip benefits apply. See the PDS for full details.
Here’s what you get with our single trip travel insurance if you’re coming to Australia
We cover what we say we will. So, have a quick look at the table below to see what’s covered, what’s not, and the limits for our single trip cover for non-Australian residents who are visiting ‘Down Under’.
You should also actually read the Policy Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. Yes, it might sound a bit boring (it is a bit) but you need to read it to help you choose the right single trip travel insurance cover for you and your trip.
Good to know: You need to purchase our inbound travel insurance for single trips before you leave home for cover to apply. Yep, you can’t buy it if you’ve already on your way. So, add ‘get travel insurance’ to your holiday to-do list, STAT.
Inbound
If you’re a visitor to Australia and want to explore Down Under with our cover packed, too, our inbound plan could be for you.
On-trip COVID-19 cover†
$1,000,000 Medical Expenses in Australia
$Unlimited Additional Expenses cover*
Up to $15,000 luggage cover*
$3,000 Travel Delay cover*
| Benefit | Inbound |
|---|---|
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
Automatically included conditions only |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$1,000,000~ |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
$6,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
$Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
$Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
$50,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
$2,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
$3,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
$3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
$5,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
$5,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
$5,000 |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
$15,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$4,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$4,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
|
$1,100 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
|
$250 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$9,000◊ |
|
If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$25,000◊ |
|
If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$25,000◊ |
|
If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
|
$2,500,000 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
N/A |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
$5,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
Not included |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
|
Not included |
|
If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
|
Cover available |
|
We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
|
80+ activities automatically included. Option to increase cover available. |
|
Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
|
Optional cover available |
|
Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
|
Optional cover available |
|
If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
|
Included |
| Benefit |
|---|
| Inbound |
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
| Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
| Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
| Automatically included conditions only |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $1,000,000~ |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $2,000 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
| $6,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
| $Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
| $Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
| $50,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
| $2,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
| $3,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
| $3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
| $5,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
| $5,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
| $5,000 |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
| $15,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $4,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $4,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,200 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,200 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,200 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
|
| $1,100 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
|
| $250 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
| $9,000◊ |
|
If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
| $25,000◊ |
|
If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
| $25,000◊ |
|
If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
|
| $2,500,000 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
| N/A |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
| $5,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
| Not included |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
|
| Not included |
|
If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
|
| Cover available |
|
We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
|
| 80+ activities automatically included. Option to increase cover available. |
|
Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
|
| Optional cover available |
|
Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
|
| Optional cover available |
|
If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
|
| Included |
Important bits for you to know:
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
#A special excess will apply to Additional Expenses if you’re diagnosed with COVID-19 on your trip and Amendment or Cancellation Costs if you or your travelling companion are diagnosed with COVID-19 on your trip. If your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess.
†Limits, sub-limits, conditions, and exclusions apply. Our COVID-19 travel insurance benefits exclude cover for government border closures, lockdowns or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, and medical expenses if you’re entering a country with “Do Not Travel” advice on smartraveller.gov.au or published in the mass media.
§Refers only to pre-trip Amendment or Cancellation Costs cover if you or your travelling companion are diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel. Other pre-trip benefits apply. See the PDS for full details.
Your cover, your way
If you like to do more than get massages on the beach while you’re in Indonesia, you can tweak your Bali travel insurance cover to make sure it’s right for your holiday.
Setting sail?
Are you heading out onto the sea for two or more nights while you’re in Indonesia? Then you’ll want to check out our Cruise Cover.
Want to worry less?
You can add whatever level of Amendment or Cancellation Costs cover that’ll best suit your Bali trip in case your plans change unexpectedly.
Adrenaline junkie?
If you like raising your heart rate or want to try new things while you’re in Indonesia, have a look at our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your Bali holiday plans include travelling on two wheels (read: a scooter), you can choose between our two levels of Motorcycle / Moped Cover.
Setting sail?
Are you heading out onto the sea for two or more nights while you’re in Indonesia? Then you’ll want to check out our Cruise Cover.
Want to worry less?
You can add whatever level of Amendment or Cancellation Costs cover that’ll best suit your Bali trip in case your plans change unexpectedly.
Adrenaline junkie?
If you like raising your heart rate or want to try new things while you’re in Indonesia, have a look at our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your Bali holiday plans include travelling on two wheels (read: a scooter), you can choose between our two levels of Motorcycle / Moped Cover.
Uncover more about our Bali travel insurance cover
Our two cents? Watch out for the cheeky monkeys in Ubud – they steal stuff. Visit one of Indonesia’s many other islands if you’ve got time. And get to know our cover before you buy.
We can’t tell you what you need, but we can tell this: it’s smart to get travel insurance for Indonesia, no matter which island you’re visiting. (Even the Australian Government’s Smartraveller says so.)
Why? Things can always go wrong – including in Bali.
It could be something as annoying as a delayed bag, or as serious as an accident that involves a hospital stay or even an evacuation home to Australia.
It could also be an ‘only in Bali’ moment. Think:
- a monkey running off with your very expensive sunglasses
- a dose of Bali Belly that means you miss a few days of yoga
- a volcanic eruption that keeps all planes, in and out, grounded.
Packing the best travel insurance for Bali means finding the cover that fits your holiday plans. We’ve got emergency medical cover, lost and stolen luggage, and access to 24/7 assistance included in all our international plans, as well as cover options you can add if you need them: cancellation cover, moped cover, adventure cover, and more. You do you on holiday – and we’ll see if we can cover it.
Ready to get a quote? It’s fast and easy to get one online, right now. Just don’t forget to add the right level of our Motorcycle/Moped Cover if looking for travel insurance for Bali scooters.
A lot, really! We’ve got useful bits included in our base plans (read: cover for emergency medical expenses, luggage and 80 fun activities), plus a range of cover options you can include if you need them. Like, Motorcycle/Moped Cover for anyone planning on riding a scooter as the driver or passenger.
If you’re heading to Indonesia, you can pick one of our three international travel insurance plans:
- Basic
- Comprehensive
- Comprehensive+
They’ve all got $Unlimited~ Overseas Medical Expenses and Additional Expenses cover included as standard, the option to include Amendment or Cancellation Costs cover, plus different levels of cover for other useful stuff like luggage.
All you have to do is pick the one that offers the best travel insurance for your Bali getaway (AKA has all the stuff you need based on your brilliant itinerary). The PDS has all the cover details, so give it a read before you buy.
We also have cover options that are rather useful for Aussies holidaying Bali, such as:
- Motorcycle/Moped Riding Cover for those planning to ride a scooter (with a helmet on, of course!)
- Adventure Activities Cover for those who aren’t satisfied with just snorkelling or surfing
- Cruise Cover for those hitting the high seas part of their visit to Bali.
Good to know: If you travel a lot – whether it’s to Bali and back or beyond – you could save more time with an annual multi-trip (AMT) policy. It’s available on our Comprehensive and Comprehensive+ plans. It can cover unlimited trips in a 12-month period (up to the maximum trip duration you choose – you can pick 30, 45 or 60 days).
Ready to see if we’ve got the right cover for your Balinese getaway? Get a quote now.
~Cover will not exceed 12 months from onset of the illness, condition or injury
It depends on the policy. At Cover-More, we don’t include cover for scooter (or moped or motorbike, whatever it is you’re riding) in our base plans. Instead, we give you two cover options to include in your travel insurance if you’ll be on a scooter or moped in Bali:
- Motorcycle/Moped Riding Cover: for engine capacity 250cc or less
- Motorcycle/Moped Riding+ Cover: engine capacity unlimited
…but please check the PDS for all the conditions (because they apply to both cover levels).
These options are for passengers and drivers – not just the person holding the handles.
Head to our motorcycle and moped page to dive into what each level does – and doesn’t – cover. It’ll also explain any cover criteria you’ll need to meet, such as making sure you’re wearing a helmet. Riding sans helmet is a big no-no!
You’ll see scooters, mopeds and motorbikes being ridden everywhere in Bali. You’ll also likely see riders without helmets – a big no-no! Sometimes there’ll even be multiple people and belongings along for the ride… It might look like fun, but it’s also risky. You’ll be riding in an unfamiliar country on often poor-quality roads, with traffic rules that aren’t as strict as what you’re used to at home. And if you get into trouble when you’re not doing the right thing, your travel insurance may not cover the bills.
If you’re umming and aahing about packing travel insurance with cover for scooters in Bali, um and ah no more. Stacking it on a scooter is sadly all too common for tourists, and medical costs to treat a ‘Bali Kiss’ (or worse) can quickly stack up.
Oh and before you go jump on a scooter, you should also know this: You need an International Driving Permit (IDP) to legally ride a motorcycle or moped in Bali. A valid Australian driver’s licence isn’t enough. The only time you don’t need an IDP is if you’ve got an Indonesian licence. So, have you got the right licence?
Read the big print: The PDS has more information about limits, sub-limits, exclusions and conditions of our scooter travel insurance as we can’t cover absolutely everything. Our cover is unique to us, so double check you meet our cover requirements when it comes to licences, as they may differ to the Indonesian Government’s rules.
To speak to our team about our moped and motorbike travel insurance cover for Bali, call us on 1300 72 88 22 during Australian business hours.
With a Cover-More plan, yes, you can – as long as you’re bought your policy before the natural disaster strikes and you meet the criteria in the PDS. This means it’s super important to get your cover as soon as you book you trip to Indonesia.
If you’ve been planning a trip, you’ll know Bali’s unique landscape is beautiful. But it’s also a little unpredictable. Thanks to its location along the so-called Ring of Fire, it experiences frequent earthquakes and volcanic eruptions.
And while Bali’s volcanoes are the source of legends and rituals that are embedded in Balinese culture, they can cause chaos for locals and visitors. Check out our travel alerts (and the media) to see if there are any active alerts for earthquakes or volcanic eruptions in Bali. (The usual culprits are Mount Agung, Mount Abang and Mount Batur.)
Want travel insurance for Bali with cover for volcanic eruptions, earthquakes and other natural disasters? Check the PDS for the details of what’s covered, then get a quote.
Hint: Head to the Additional Expenses section to see how we help with unexpected costs you don’t see coming when you’re planning your trip.
It’s never nice being unwell – especially when you’re away from your cosy bed. If you become sick or get injured while you’re in Indonesia, we’re here to help care for you. We know how to handle everything from ‘Bali Belly’ to a ‘Bali Kiss’, so you’ve in good hands with us.
We have a medical team available 24/7 for you to call on – you can reach them via phone or our app. We can help you find the best doctor or nearby hospital for treatment, even help with translation if the medic who’s treating you doesn’t speak your language. Better yet, we can even help pay for your medical bills for approved claims.
All our plans international plans include $Unlimited~ Overseas Medical Expenses cover. So, if you unexpectedly get ill or injured in Indonesia, you’re not alone. If your claim is approved, we can help cover the cost of medical treatment, hospital stays, and even emergency medical evacuation or repatriation if you need it.
Note to self:
- If you’ve got one or more existing medical conditions, you’ll need to tell us about each one to include cover in your policy. If you don’t and they’re the reason you get ill or end up in hospital, there’s a chance we won’t be able to cover the bill.
- If you’ve planning on riding a scooter – as a passenger or a driver – you’ll need to include the right level of Motorcycle/Moped Cover. If you don’t and you fall off you bike and get injured, we won’t be able to cover the bill.
- If you’re planning on having a drink or two, make sure you’ve read what our policy can and can’t cover when it comes to alcohol.
We’re not here to cover ourselves – we’re here to cover you. So, make sure you’ve got the right cover you need, so we can help foot the bill when unexpected strikes.
Please read the PDS before you buy so you understand what you are – and aren’t – covered for under any of our plans.
~Cover will not exceed 12 months from onset of the illness, condition or injury
Why do millions of travellers choose our travel insurance for Bali trips?
Quality care, helpful cover, years of experience? Take your pick.
Our app gives you more so you can worry less
You can buy your cover, keep your policy in your pocket – and more. With access to our AI itinerary planner, up-to-date safety advice, 24/7 assistance, local emergency numbers – even a hospital and pharmacy locator! – it’s an app that’s actually useful.
Find your Zen with our Bali travel tips and trip ideas
Here's some inspo to help you explore temples, surf spots or wellness spas. Go, go, go!
When to visit Bali and Indonesia
Join the million+ Aussies who visit Indonesia’s incredible 17,000 islands every year. You know you want to…
Read our Bali travel guide
How to take great photos on holiday
From capturing the perfect shot, to editing and what camera gear to take with you.
Get travel photography tips
Need an International Driver’s Licence?
Find out more about this important travel document that you may need while you’re away.
Tips for driving overseasBali travel insurance FAQs
Still curious about our cover? Let’s unpack your questions.
Whether it’s Bali Belly or a scooter accident, the right travel insurance cover can help you worry less when the worst happens. All our international plans include Overseas Medical and Dental Expenses cover for unexpected emergencies. Plus, you get 24/7 access to our brilliant assistance team. They can help you find the best medical support, so you don’t have to.
It doesn’t matter if you pack our Basic, Comprehensive or Comprehensive+ plan, you’ll get:
- $Unlimited~ Overseas Medical Expenses cover, which includes emergency repatriation and evacuation
- $2,000 Overseas Emergency Dental Expenses cover for unexpected dental emergencies that just can’t wait.
Medical and dental costs can add up quickly. Our cover can help you focus on getting better, instead of worrying about paying the bills.
But before you jump on a moped without a helmet – or the right cover – and get in an accident or take a hike in the jungle without your puffer, read the PDS. It’s got all our medical cover terms, exclusions, and limits that you need to know. You should also:
- get familiar with our existing medical conditions cover
- check out how high your medical bills can get before you should call us
- keep all medical reports and receipts so you can submit then with your claim
- learn about our COVID-19 cover if you’re worried it’ll affect your trip.
We’re here to help you get the care you need when you need it the most. Get a quote now to you can pick the plan you want to Bali.
Oh, and one more thing: Our Overseas Medical and Dental Expenses cover is for unforeseen emergencies only. That means if you’re going to Indonesia to get plastic surgery or any kind of medical or dental work done and something goes wrong, you won’t have cover.
~Cover will not exceed 12 months from onset of the illness, condition or injury.
Bali is as much a place for adventure as it is relaxation. So, if you’re in the mood for some heart-raising fun, we can help. Our base plans include cover for 80 fun adventure activities – including surfing and scuba diving (up to 30 metres if you're with a diving school or qualified instructor).
Feeling even more adventurous? Maybe you want to scuba dive to a greater depth. Or maybe your favourite activity isn’t on our list of 80 included activities. Good news: you might find it one of our two Adventure Activities Cover options. Take a look – you’ll probably find something fun to do in Bali.
If you still can’t find the activity you want to do, we might still be able to cover it. Call us on 1300 72 88 22 to find out.
We hope your time in Bali is all sunshine, swims and smiles, but if something bad happens, it’s best to call the local emergency services first.
Pick the phone number that’s best for what you’re going through:
- main emergency 112
- ambulance 118
- Police 110
- fire 113.
When it's safe, reach out to our 24/7 emergency assistance team by calling +612 8907 5619 or tapping the assistance button in our app. We’ll be here to help care for you, day or night.
That depends – on your trip length, your age, your activities of choices, your trip cost, and more. So, if you’re looking for the best travel insurance for Bali for you, get a quote online now. It’s fast and easy, and you can pick what works for you.
But remember: If you’re after cheap travel insurance for Bali, double check it provides the cover levels you need. Our Basic plan has $Unlimited~ Overseas Medical Expenses cover, but the item limits for stuff like phones, drones, smart watches and more are lower than our other plans. You do you – just make sure you’ve got the cover you need.
~Cover will not exceed 12 months from onset of the illness, condition or injury.
Great question – you sound like a smart traveller. (We love those!) Head to our travel alerts hub to check for any active alerts that may affect your trip or your cover. You should also snoop at the Australian Government’s Smartraveller. It’s a great resource for info and issues affecting Bali and other Indonesian islands.
Have you downloaded our app? It’s got a lot of useful travel advice. Plus, if you turn on notifications and share your location, it can even send you relevant safety alerts for nearby issues while you’re travelling. Handy, huh?
Oh, and don’t let the fear of something going wrong in Bali stop you from going in the first place. We’ll be here to help if something does – and you deserve the break. Bali is a favourite with us Aussies for a reason: it’s close by but feels like a different world with its lush green landscapes, rice paddies and tropical jungles. But all that natural beauty also comes with natural disaster. Read: volcanic eruptions (we’re looking at you, Mount Agung), floods, earthquakes and landslides. Yikes.
If you’ve got questions about your safety, or a travel alert and how they may affect your Bali travel insurance cover, call us on 1300 72 88 22.
Yes – and they’re all in the PDS. So, before you pack your bags, it’s important to give it a read so you know what we cover – and what we can’t. (Especially if you’re thinking about riding a moped or scooter, drinking alcohol, doing adventure activities, or taking your stuff to the beach or pool while you’re in Bali.)
We hope your trip goes off without a hitch. But if something unexpected pops up, you can submit a claim online at any time, from anywhere – including poolside in Bali.
Just gather up all your supporting documents and you’re good to go. (Read: police reports, medical receipts, airline letters, etc.)
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.