Why pack our travel insurance for Japan?
Whether you’re skiing, hiking or eating your way around the Land of the Rising Sun, listen up. However you like to explore, add a protective layer of SPF with our cover before something goes wrong. Slop it on!
It’s reliable
You get a benefit for overseas medical expenses in case you’re sick or injured while you’re in Japan and need help.
It’s flexible
You can vary your cover to suit your unique itinerary with options such as Snow Sports Cover for winter holidays.
It’s dependable
You can access 24/7 emergency assistance from Japan and speak with people who care. We’ll be here when you need.
It’s extensive
You get cover for 80 fun sports and activities. Plus, extra cover options are available for the more adventurous.
It’s reliable
You get a benefit for overseas medical expenses in case you’re sick or injured while you’re in Japan and need help.
It’s flexible
You can vary your cover to suit your unique itinerary with options such as Snow Sports Cover for winter holidays.
It’s dependable
You can access 24/7 emergency assistance from Japan and speak with people who care. We’ll be here when you need.
It’s extensive
You get cover for 80 fun sports and activities. Plus, extra cover options are available for the more adventurous.
What you get with our travel insurance for Japan
Are you a skier, a hiker or a foodie? Whatever draws you to Japan, we cover what we say we will. So, please have a look at the table below to see what’s covered, what’s not, and the limits of our Japan travel insurance plans.
We also recommend you actually 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 like a bit of a chore. But it’ll help you choose the best travel insurance for Japan based on your trip.
Tech-y goodness for a tech-y country: Our super cool app can keep you in the loop with real-time safety alerts. Think earthquakes, volcanic eruptions or extreme weather. Plus, if you slip on the slopes and need help in a hurry, you can tap to call us and get emergency help. Useful, huh?
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.
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||
| $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.
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||
| $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.
|
N/A | N/A | N/A |
|
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 | $Nil | $Nil |
|
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.
|
$10,000* | $10,000* | $25,000* |
|
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 |
| 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.
|
||
| N/A | N/A | N/A |
|
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 | $Nil | $Nil |
|
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.
|
||
| $10,000* | $10,000* | $25,000* |
|
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.
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$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.
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$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.
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$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.
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$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.
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$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.
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$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.
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$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.
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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.
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$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.
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$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.
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$9,000◊ |
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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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$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.
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$25,000◊ |
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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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$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.
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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.
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$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.
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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.
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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.
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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.
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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 |
|
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 |
|
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 |
| 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.
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| 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.
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| $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.
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| $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.
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| $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.
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| $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.
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| $1,200 |
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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 |
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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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| $1,100 |
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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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| $250 |
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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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| $9,000◊ |
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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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| $25,000◊ |
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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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| $25,000◊ |
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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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| $2,500,000 |
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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 |
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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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| $5,000 |
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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 |
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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 |
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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 |
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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. |
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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 |
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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 |
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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 |
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
You might be into Japan’s ancient culture, exploring the smaller islands or its futuristic cities. Whatever you’re doing, tailor your travel insurance for Japan to suit your holiday.
Setting sail?
If you’re heading out to sea for two or more nights, you’ll need to include our Cruise Cover.
Cruise Cover
Hitting the snow?
Before you set a boot on Japan’s famous powder, choose one of our two levels of Snow Sports Cover.
Snow Sports Cover
Adrenaline junkie?
If you like raising your heart rate, try one of our two Adventure Activities Cover levels.
Adventure Activities Cover
Bit of a rev-head?
If you’re exploring Japan on two wheels, check out our two levels of Motorcycle/ Moped Cover.
Motorcycle/Moped CoverWhy do millions of travellers choose our travel insurance for Japan?
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.
Take our travel tips and trip ideas to Japan with you
Japan’s location on the Ring of Fire comes with its own set of risks. Here’s how to stay safe.
What do I do in an earthquake?
Japan experiences more than 1,000 a year. Don’t let that put you off – just find out what to do if one happens.
Our earthquake safety tips
Travel smarter with our Cover-More app
Easy access to travel alerts, advice, policy documents and 24/7 emergency assistance.
Find out what our app can do
What do I do if I’m near a volcanic eruption?
Don’t panic. We can help you navigate what to do if a volcano disrupts your travels.
Learn volcano safetyTravel insurance for Japan FAQs
Still curious about our cover? Let’s unpack your questions.
Does Japan make great sushi?! The answer is a big fat yes to both! Taking a trip without travel insurance could cost you a lot of money if something goes wrong. (Or leave you without quality care when you need it most.)
Even a small hiccup on a trip can make a mess of plans, cause a delay, or worse. It could be as annoying as a bag lost by your airline to a fall on a ski run that takes you to the hospital.
Japan is an extraordinary country, where ancient traditions and customs slam into a very modern culture. It’s a place of pilgrimage for travellers seeking flawless powder, dazzling scuba diving sites and ancient mountain hiking trails. But as fun as these activities are, they come with risks that can be expensive to fix.
Having the right travel insurance for Japan can help with expenses caused by the unexpected. Pack our cover to get access to our super useful app, our 24/7 assistance team, and more. Sound good? Get a quote now.
Quite a lot! We’ve got not one, not two, but a choice of three international plans for your trip to Japan: Basic, Comprehensive and Comprehensive+.
They vary in price and cover – have a look at the table above to help you decide which one works best for you. Our plans provide benefits for all the things you’d expect, such as emergency medical, travel delay, lost luggage and stolen stuff. But double check the limits for each are good for you! (Sometimes you might think the cheapest options is the best travel insurance for your Japan trip, but it might not give you what you actually need.)
Planning a trip that’s as unique as Japan? We’ve got cover options to suit your holiday plans:
- If you’re exploring Japan on two wheels, you can get one of our two levels of Motorcycle/Moped Riding Cover. Please check the PDS for all the conditions (because they apply to both cover levels).
- If you’re a powder hound ready to hit the slopes, you should check out one of our two levels of Snow Sports Cover.
- If you’re into something that isn’t one of the 80 activities we automatically cover, have a look-see at our one of our two levels of Adventure Activities Cover.
If you’re setting sail in Japan and going on a cruise for two or more nights, you’ll need to tell us and include our Cruise Cover.
Once you’re happy with what you need for your trip, get a quote. Then plan, pack, and go, go, go!
Don’t forget our 24/7 assistance team are standing by in case you need help. Call anytime, we’re here.
Oh, and another thing: If you travel a lot, check out our annual multi-trip cover. It could save you time whenever you travel because your cover is already lock and loaded!
What you need to know about this type of policy:
- It covers unlimited trips in a 12-month period (up to the max trip duration you choose
- you can pick from 30, 45 or 60 days
- you can get it with our Comprehensive and Comprehensive+ plans
- have a look at the table above for deets.
Of course – but it’s not included automatically. If you’re heading to Japan’s slopes, check out our two levels of Snow Sports Cover. Pick the one that’s right for you and it can help keep you safer from unexpected bills in the snow.
If you want travel insurance for snowboarding in Japan or skiing – or you just love playing in the snow – winter sports can be risky. Even if you’re super skilled on the slopes, mountain conditions, bad weather and the often-isolated location of ski resorts can mean unexpected accidents. They can also make getting emergency help an expensive and tricky task. But that’s when our Snow Sports Cover can help – right when you need it most.
So, whether it’s your first day in ski school (pizza! French fries!) or you’re an experienced skier carving a fresh path (cowabunga!), packing the right cover is really important. That’s why we've got two levels of cover for you to choose from:
- Snow Sports: this is for garden-variety on-piste snow skiing, snowboarding, snowmobiling, and cross-country skiing. This cover suits most snow bunnies visiting Japan’s ski resorts for fun on the groomed runs.
- Snow Sports+: this level has the same cover as above, plus it includes off-piste snow skiing and boarding, guided heli-skiing or boarding tours. Think James (or Jane) Bond types.
Head to our snow trips page for more info on what’s covered, and please read the PDS. If this cover sounds good for your trip, simply add the right level of Snow Sports Cover when you get a quote. Easy peasy, skisy! (We may have made that last word up!)
We offer cover for natural disasters with our plans, subject to the terms and conditions listed in the PDS. (Your claim will need to meet the criteria in the PDS for cover to apply, so give it a read before you buy.) That’s why it’s a good idea to buy your travel insurance for Japan as soon as you book your trip.
This is another good reason: Japan is one of the most earthquake-prone countries in the world. According to earthquakelist.org, it experiences more than 1,000 a year. Japan also has more than 100 volcanoes, mostly found in Hokkaido, the Tohoku, Kanto and Chubu regions. These are popular tourist attractions, though, so don’t let that shake your confidence about visiting! Just read up on what to do if you experience an earthquake or volcano before you go.
Read the big print: Please have a look at the PDS which has all the details of what’s covered and what’s not when it comes to natural disasters.
You bet! When you’re not eating incredible fresh fish in Japan, you might be swimming with them!
We love it that our travellers are a little adventurous. That’s why we automatically cover a whopping 80 adventure activities in all our base plans to keep the fun going.
For scuba divers: Our base plans include cover for scuba diving (up to 30 metres with a qualified instructor or diving school). If you want to dive between 30 and 50 metres, you’ll need additional Adventures Activities cover. You must also be qualified to dive at that depth and be with a professional guide. We want you to stay safe in the water after all.
If you travel with your own scuba gear – you're quite the Jacques Cousteau! – our Adventure+ Activities Cover can look after your equipment, too. Please read the PDS to check what’s covered.
For hikers: If you’re doing a basic hike, that activity is already included in our base plans. However, if you’re going to be above 3,000 metres, or using ropes, you’ll need to add one of our Adventure Activities packs to your policy to have the right level of cover. Get a quote and check the PDS to find out more about these options.
Good to know: If there’s anything else you want to try in Japan but can’t find it on our activities list, we might still be able to cover it. Call us on 1300 72 88 22 to find out.
Well, that depends on where you’re going, what you’re doing and for how long! Just like your trip to Japan, every travel insurance policy is unique. To find out how much the best travel insurance for your Japan trip costs for you, get a quote, pick a plan, add any cover options that you’ll need and you’ll see the price. Then you can choose what suits your trip and budget best. Easy!
Remember: Whatever plan you choose for Japan, check you’ve got for cover for what you’re doing and what you’re taking with you. While you’ll have a benefit for unexpected overseas medical bills with all our international plans, your expensive camera or entire handbag contents might not be covered to the amount you need. It’s a good idea to compare the limits across all our plans to see which plan is best for you.
(Hint: it might not necessarily be the cheapest one!) Have a look at the tables above and read the PDS to make sure.
Yes, you can! But there are some conditions you need to know about:
- There's a three-day ‘no cover’ period if you buy your policy after you’ve left home. In other words, no cover will be provided for any event that has already occurred or that occurs within the first three days of you buying the policy.
- You’ll only have cover for new unexpected events that occur after the three day ‘no cover’ period
- Any pre-existing medical conditions you have, or any incidents that occur before you bought the policy, may not be covered.
To be honest, we suggest buying your Japan travel insurance as soon as you book your trip. To double check our cover is good for you, have a good look at the PDS before you buy.
Good question. You’re right to ask because we can’t cover absolutely everything. Reading and understanding the PDS is the best way to find out. You might be visiting Japan to ski. Or maybe you’re joining a cruise, going hiking or planning on having a drink or two. Whatever makes you happy when you travel, always make sure you know what you are and aren’t covered for.
First of all, try not to worry – help is close by.
In any emergency in Japan, call an ambulance on 119 or the police on 110 for immediate assistance.
When you’re safe, get in touch with our 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. Our team can arrange medical care, sort out travel delays or disruptions, or just be a shoulder to support you at a difficult time. Please reach out and let us do the heavy lifting.
All our international plans include a benefit for Overseas Medical and Emergency Dental Expenses.
We hope it never happens, but if you are sick or injured in Japan, medical and dental bills can be expensive. Australia doesn’t have a reciprocal health care agreement with Japan. So, protecting your trip with travel insurance for Japan can help if you twist your ankle on Mount Fuji, have a slip on the ski slopes, or you get sick on a scuba dive.
Before we forget: Our caring emergency assistance team is standing by 24/7. You can speak to them on +612 8907 5619 or through our app.
We can cover your time at sea – but you have to add our Cruise Cover to your policy. We don’t offer it as standard because not everyone is lucky enough to be going on a cruise like you.
If you’re joining a vessel for two or more nights in Japan, our Cruise Cover can help with costs caused by sea sickness, ship-to-shore and onboard medical treatment, missed excursions, and more. Hopefully, it’ll all be smooth sailing and you won’t need our help. But it’s nice knowing it’s there if you do.
To make sure our Cruise Cover is shipshape, read the PDS before you buy. Ahoy!
We believe everyone should be able to travel – even with medical conditions. (And honestly, who doesn’t have one?!?)
Our plans cover A LOT of conditions automatically (if you meet all the criteria in the PDS). Other conditions can be covered for no extra cost or for an additional fee, and there are some conditions we just can’t cover. To find out if we can cover your conditions, take our online health assessment when getting a quote for your Japan trip. Always read the PDS so you know what’s what when it comes to any conditions, too.
Oh, and another thing: If we can’t cover all your medical conditions, you can still get cover for things such as travel delay, lost luggage, and much more.
We love that this matters to you. It’s smart to be aware of what’s going on in Japan before you travel and while you’re there.
We like to say that a smarter traveller is a safer traveller, so we suggest you look at:
- the Australian Government website Smartraveller. It’s a great place to start your research with planning your trip to Japan
- our travel alerts page. It can also let you know about any existing safety issues
- our mighty Cover-More app. It’s a great travel buddy and delivers real-time safety alerts straight to your phone.
Don’t let Japan’s location on the so-called Ring of Fire stop you from visiting. Although it’s a country prone to earthquakes and volcanic activity, there’s so much to love, see and do safely in Japan.
If you’ve got questions about your safety, a travel alert or your travel insurance cover, call us on 1300 72 88 22.
You bet! If a holiday hiccup threatens your plans, we want you to be able to sort it ASAP. You can make a claim online from wherever you are – even an onsen! Or you can call us on 1300 36 26 44.
Note to self: Make sure you’ve got all the paperwork you need for your claim. This could include police or medical reports, receipts, letters from airline, etc. The more documentation you have, the smoother the process.
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.