Why pack our travel insurance for New Zealand?
Whether you’re heading off ‘across the ditch’ to raise your heartrate doing extreme sports or to eat your way through this foodie paradise, some SPF can add a layer of protection.
It’s flexible
You can choose one of our two Snow Sports Cover levels –whichever one suits your winter trip plans and skill level on the slopes.
It’s caring
You get access to our amazing 24/7 emergency assistance team – we’re here to care for you whenever you need us.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on all the bills.
It’s useful
You can get luggage cover for your jackets, gloves and more if you’re hitting the slopes – and driving holiday cover if you’re hitting the road.
It’s flexible
You can choose one of our two Snow Sports Cover levels –whichever one suits your winter trip plans and skill level on the slopes.
It’s caring
You get access to our amazing 24/7 emergency assistance team – we’re here to care for you whenever you need us.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on all the bills.
It’s useful
You can get luggage cover for your jackets, gloves and more if you’re hitting the slopes – and driving holiday cover if you’re hitting the road.
Here’s what you get with our travel insurance for New Zealand
Whether you’re skiing, cycling, tramping (that’s what Kiwis call hiking!) or chilling, we cover what we say we will. So, have a look at the table below to see what’s covered, what’s not, and the limits for our international travel insurance plans
A word of advice – please actually read the Product Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. We know it sounds a bit dull (it is a bit), but you need to read it to help you choose the best travel insurance for your New Zealand trip.
Note to self: Wondering, ‘Do Australians need travel insurance for New Zealand?’ Just because NZ is our beloved cousin and sort of close by, doesn’t meant it’s not an international destination. It’s got its own rules, its own currency, and even its own slang words. So, yes. Packing travel insurance for Australia to New Zealand is what smart travellers do.
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.
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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 |
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 travel insurance for New Zealand
Whether you’re skiing, cycling, tramping (that’s what Kiwis call hiking!) or chilling, we cover what we say we will. So, have a look at the table below to see what’s covered, what’s not, and the limits for our international travel insurance plans
A word of advice – please actually read the Product Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. We know it sounds a bit dull (it is a bit), but you need to read it to help you choose the best travel insurance for your New Zealand trip.
Note to self: Wondering, ‘Do Australians need travel insurance for New Zealand?’ Just because NZ is our beloved cousin and sort of close by, doesn’t meant it’s not an international destination. It’s got its own rules, its own currency, and even its own slang words. So, yes. Packing travel insurance for Australia to New Zealand is what smart travellers do.
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 + |
|---|---|---|---|
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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.
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N/A | N/A | N/A |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
|
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 |
|
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 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $Nil |
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If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
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$Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
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If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
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$10,000* | $10,000* | $25,000* |
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If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
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Included in overall Additional Expenses limit | Included in overall Additional Expenses limit | Included in overall Additional Expenses limit |
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If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
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$Nil | $1,000 | $1,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
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$Nil | $Nil | $2,000 |
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If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $2,000 |
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If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
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$Nil | $5,000 | $10,000 |
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If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
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$Nil | $2,000 | $2,000 |
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If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
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$Nil | $Nil | $Nil |
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If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
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$Nil | $5,000 | $15,000 |
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We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,500 | $2,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $4,000 | $6,000 |
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We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $4,000 | $5,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $3,000 | $3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $2,000 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $1,500 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $1,500 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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N/A | Optional cover available | Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
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$Nil | $1,100 | $1,500 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
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$Nil | $250 | $500 |
|
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◊ |
|
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◊ |
|
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◊ |
|
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 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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Not included | $2,500 | $2,500 |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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$Nil | $5,000 | $10,000 |
|
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 |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
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Not included | Not included | Included see PDS for details |
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If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
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Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. | Not Available - Select 'Domestic Cruise' as your destination if going between Australian ports. |
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We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
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80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. | 80+ activities automatically included. Option to increase cover available. |
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Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
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Optional cover available | Optional cover available | Optional cover available |
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If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
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Included | Included | Included |
| Benefit | ||
|---|---|---|
| Domestic Basic | Domestic Comprehensive | Domestic Comprehensive + |
|
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 |
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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.
|
||
| 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 |
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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.
|
||
| 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.
‡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 travel insurance for New Zealand
Whether you’re skiing, cycling, tramping (that’s what Kiwis call hiking!) or chilling, we cover what we say we will. So, have a look at the table below to see what’s covered, what’s not, and the limits for our international travel insurance plans
A word of advice – please actually read the Product Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. We know it sounds a bit dull (it is a bit), but you need to read it to help you choose the best travel insurance for your New Zealand trip.
Note to self: Wondering, ‘Do Australians need travel insurance for New Zealand?’ Just because NZ is our beloved cousin and sort of close by, doesn’t meant it’s not an international destination. It’s got its own rules, its own currency, and even its own slang words. So, yes. Packing travel insurance for Australia to New Zealand is what smart travellers do.
Inbound
If you’re a visitor to Australia and want to explore Down Under with our cover packed, too, our inbound plan could be for you.
On-trip COVID-19 cover†
$1,000,000 Medical Expenses in Australia
$Unlimited Additional Expenses cover*
Up to $15,000 luggage cover*
$3,000 Travel Delay cover*
| Benefit | Inbound |
|---|---|
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
Automatically included conditions only |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$1,000,000~ |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
$6,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
$Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
$Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
$50,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
$2,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
$3,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
$3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
$5,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
$5,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
$5,000 |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
$15,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$4,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$4,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
$1,200 |
|
If you are taking items on your trip with values above the item limits covered by our Luggage and Travel Documents benefit, you can opt to vary your cover with our Increased Luggage Item Limit cover when prompted.
For an additional premium, you can opt to increase a single item’s cover limit by $500, $1,500, $2,500, $3,500 or $4,500. If increasing the cover limit for multiple items, the total overall increase in limits cannot exceed $15,000.
Note: If you need to make a claim, depreciation is applicable to items greater than two years old.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
|
$1,100 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
|
$250 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$9,000◊ |
|
If you suffer a disabling injury while on your trip, we can provide financial support. If the injury is an accident (i.e. not caused by a sickness or disease) and results in the permanent total loss of sight in one or both eyes or the permanent loss or use of one or more limbs within one year of the date of the incident, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Disability section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$25,000◊ |
|
If you suffer an unexpected injury on your trip that results in your death, we can provide a lump sum payment to your estate. This benefit applies if you lose your life because of the accident while on your trip or within one year of the accident.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Accidental Death section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
$25,000◊ |
|
If you become unintentionally legally liable to pay compensation for damage caused to someone else’s property or for the injury or death of someone else because of your negligent act that occurred on your trip, we can provide a payment up to the maximum benefit amount of your chosen plan.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Personal Liability section in the PDS.
|
$2,500,000 |
|
If you are going on a self-driving holiday within Australia, we can provide cover for the insurance excess if your personal car or motorcycle is damaged or stolen while in your control during your holiday. You must have comprehensive car or motorcycle insurance for your own vehicle for cover to apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
N/A |
|
If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
|
$5,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
Not included |
|
If you’re travelling for work, we can provide several benefits suitable for business travellers: cover for business equipment, equipment hire, replacement of staff, money, and kidnap and ransom. You will need to purchase our Comprehensive+ Plan for our Business Pack benefits to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Business Pack section in the PDS.
*Sub-limits apply.
|
Not included |
|
If you’ll be cruising on the sea or ocean for two or more nights during your trip, you’ll need to let us know when prompted for Cruise Cover to be included in your policy. An additional premium will apply.
COVID-19: Our Cruise Cover includes cover for expenses related to onboard medical and dental and ship-to-shore medical if you are diagnosed with COVID-19 while on board a multi-night cruise.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cruise Cover section in the PDS.
*Sub-limits apply.
|
Cover available |
|
We automatically provide cover for over 80 holiday and adventure activities on all our plans. Cover applies if you are participating in the activities in a non-professional manner and if all criteria (if any) are met.
If your planned activities are not automatically included, you will need to include one of our two levels of additional cover in your policy when prompted: Adventure Activities or Adventure Activities+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Adventure Activities section in the PDS.
|
80+ activities automatically included. Option to increase cover available. |
|
Our plans do not automatically include cover for claims involving participation in motorcycling or moped riding for any purpose.
If you want cover for motorcycling and/or moped riding (as either a driver or pillion passenger), you will need to include one of our two levels of additional cover in your policy when prompted: Motorcycle/Moped Riding or Motorcycle/Moped Riding+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Motorcycle/Moped Riding section in the PDS.
|
Optional cover available |
|
Our plans do not automatically include cover for claims involving participation in winter snow sports.
If you want cover for skiing, snowboarding, and snowmobiling, you will need to include one of our two levels of additional cover in your policy when prompted: Snow Sports or Snow Sports+. An additional premium will apply.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Snow Sports section in the PDS.
|
Optional cover available |
|
If you buy a policy with us today and change your mind about this purchase, you can cancel your policy for any reason within 21 days of the policy purchase date. This cooling-off period only is only valid if you haven’t departed on your trip and/or made a claim.
To obtain a full refund of your policy premium simply contact us during the cooling-off period.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Cooling-off Period section in the PDS.
|
Included |
| Benefit |
|---|
| Inbound |
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
| Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
| Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
| Automatically included conditions only |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $1,000,000~ |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
| $2,000 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
| $6,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
| $Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
| $Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
| $50,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
| $2,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
| $3,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
| $3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
| $5,000 |
|
If you're delayed during transit for unforeseeable reasons outside your control and you will no longer arrive on time at a special event that cannot be delayed, we can reimburse you for reasonable additional expenses incurred and the cost of any unused connections (if you must pay for a new connection).
The “special events” we cover are a wedding, funeral or wedding anniversary, or a prepaid conference, concert, music festival or sporting event.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Special Events section in the PDS.
|
| $5,000 |
|
If you're detained on public transport while on your trip because it has been hijacked by persons using violence or the threat of violence, we will pay you $1,000 for each 24-hour period you are forcibly detained by the hijackers.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hijacking section in the PDS.
*Sub-limits apply.
|
| $5,000 |
|
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items based on the value of the items affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your items are lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
*Sub-limits apply.
|
| $15,000 |
|
We provide cover for smartphones and smartwatches under our Luggage and Travel Documents benefit.
If your smartphone or smartwatch is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to smartphones or smartwatches less than two years old.)
Don’t forget: If your smartphone or smartwatch is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,500 |
|
We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $4,000 |
|
We provide cover for laptop computers under our Luggage and Travel Documents benefit.
If your laptop computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to laptop computers less than two years old.)
Don’t forget: If your laptop computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $4,000 |
|
We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $3,000 |
|
We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
|
| $1,200 |
|
We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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| $1,200 |
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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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| $1,200 |
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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:
**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.
Your cover, your way
If you like to do more than sit back and relax when you travel, you can adjust your cover to make sure it’s just right for your action-packed trip.
Setting sail?
Are you heading out onto the ocean or sea for two or more nights on your trip ‘across the ditch’? Then you’ll want to check out our Cruise Cover.
Hitting the snow?
Before you set foot on the beautiful New Zealand slopes, you can choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate or want to try new things in New Zealand, check out our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your holiday plans include travelling through New Zealand on two wheels, you can choose one of two levels of our Motorcycle / Moped Cover.
Setting sail?
Are you heading out onto the ocean or sea for two or more nights on your trip ‘across the ditch’? Then you’ll want to check out our Cruise Cover.
Hitting the snow?
Before you set foot on the beautiful New Zealand slopes, you can choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate or want to try new things in New Zealand, check out our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your holiday plans include travelling through New Zealand on two wheels, you can choose one of two levels of our Motorcycle / Moped Cover.
Uncover more about our New Zealand travel insurance cover
Our two cents? Get off your phone and get into nature. Try not to giggle when you hear a Kiwi say ‘six’. And get to know our cover before you buy.
Do Kiwis like fush and chups?! Yes! That’s our way of saying safe travellers – smart travellers – always pack travel insurance. Because unexpected things can happen anywhere. Even in New Zealand. Just because the country is our much-loved next-door neighbour, it doesn't mean annoying (sometimes costly) things won’t happen while you’re there. Things that travel insurance can help pay for.
Plus, New Zealand is a natural wonder. It’s a country that forces you to get outside and to get active. There are magnificent mountain ranges and fjords in the South Island; volcanic landscapes and lush forests in the North Island. Enjoying these areas and the action-packed activities on offer (road-tripping, whitewater rafting, skiing, hiking, zorbing, and bungee jumping) come with their own particular set of risks. And where there is risk, there is the chance that something could go wrong, which could be expensive to put right.
Having the best travel insurance for your New Zealand trip can help with expenses caused by the unexpected. Maybe your bags don’t show up in Blenheim. Or you miss your connection in Milford Sound. If you pack our cover, we can help. You’ll also get access to our actually useful app, and our brilliant assistance team is here to help you 24/7.
So, if you’re ready to stop asking, ‘Do Australians need travel insurance for New Zealand?’, get a quote online now.
A lot, really. Our three international plans have the stuff smart travellers pack – like $Unlimited~ Overseas Medical and Emergency Dental Expenses cover – as well as cover to protect the things you pack. (Read: your smartphone.) Check out the table above to see which plan has the best cover for your trip to New Zealand: Basic, Comprehensive, or Comprehensive+
We’ve also got a bunch of optional cover variations to help you make your cover match your trip. You can:
- Get one of our two our Motorcycle/Moped Riding Cover levels for a smoother ride
- Set sail safely with our Cruise Cover
- Have thrilling time with one of our two action-packed Adventure Activities Cover levels
- Hit the slopes with one of our two Snow Sports Cover levels
- Protect against the unexpected with our Cancellation or Amendment Costs cover.
All you’ve got to do is get a quote and pick the plan and cover option that gives you the cover you need in your travel insurance for your New Zealand trip. Then go, have a wonderful time, and come back home safe again. We’ll be here if you need us, 24/7.
Oh, and another thing: If you like to cross the pond a lot, why not consider an annual multi-trip (AMT) policy? It can save frequent travellers time and hassle, because 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). It’s available with our Comprehensive and Comprehensive+ plans – check them out above! It’s available with our Comprehensive and Comprehensive+ plans – check them out above!
~Cover will not exceed 12 months from onset of the illness, condition or injury.
Yes, you can! Our travel insurance for New Zealand includes cover for 80 activities – yes, 80! – including bungee jumping and hiking. (You’re welcome.)
Here are some of the activities we cover in our base plans that Aussies love doing in New Zealand:
- Bungee jumping
- Hiking, trekking, and walking (up to 3,000 metres altitude)
- Abseiling
- Canoeing, kayaking, and rafting (white water grades 1-3 and sea within territorial waters)
- Canyoning (on organised tours only)
- Bridge walking (with a fully trained guide)
- Mountain biking (excluding BMX or racing)
- Jet boating and power boating (as a passenger)
- Quad biking (on organised day tours)
- Paragliding and parasailing (over water only)
- Scuba diving (up to 30 metres).
Don’t see your fave activity on this list above? Head to our Adventure Activities page and read the PDS for the full list of 80 activities and any conditions.
We also have two cover options for those who are a little wilder than your average traveller: Adventure Activities and Adventures Activities+.
If there’s anything else you want to try but can’t find it in the PDS, we might still be able to cover it. Call us on 1300 72 88 22 for a chat.
Note to self: If you’re getting adventurous in NZ, always follow the advice you’re given. The people running the activities know best – and they’re just trying to keep you safe. So, wear the helmet even if it gives you helmet hair. It’s the smart thing to do.
We’ve got two international plans that include cover for your driving holiday in NZ: Comprehensive and Comprehensive+. Check out our road trip page for useful cover information, and the PDS for all the details.
After all, our cover could be the thing that saves your hip pocket if you end up in an accident or in a ditch ‘across the ditch’. Yes, it can happen. Because even though you’re driving is on the left-hand side of the road, and roads are generally well-maintained, sign-posted, accidents can happen no matter how mind-blowingly scenic views are.
Not automatically – but don’t worry. We’ve got two Snow Sports Cover options for your New Zealand snow adventure. Just add the level of cover you need when you get a quote.
Here’s a quick guide to help you decide (hey, that rhymes!):
Snow Sports: This option includes cover for on-piste snow skiing, snowboarding, snowmobiling, and cross-country skiing. It’s ideal for those cruising the slopes at ski resorts. Off-piste or backcountry skiing isn’t included.
Snow Sports+: This option includes everything in the Snow Sports option, plus off-piste snow skiing/boarding and guided heli-skiing/boarding tours. It’s perfect for thrill-seekers and advanced skiers who are looking for more adventurous experiences.
Whether you’re carving up the slopes or heading off the beaten track, we’ll help you find the right cover so you can focus on enjoying your snow-filled escape. Head to our winter sports page and the PDS for all the details.
Ready to buy your New Zealand travel insurance cover? Get a quote now.
Why do millions of travellers choose our travel insurance for New Zealand?
Quality care, helpful cover, years of experience? Take your pick.
Did you know we have
an award-winning app test?
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.
Plan the perfect Aotearoa adventure with our travel tips and trip ideas
Dream, research, book, and pack some inspo for your kiwi adventure.
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Here are 20 bits of useful advice on packing, budgeting, and planning your next escape.
Get our travel planning tipsTravel insurance for New Zealand FAQs
Still curious about our cover? Let’s unpack your questions.
You can, but when you buy your policy matters. A lot. For cover to apply, you’ll have to have bought your policy before the natural disaster strikes and you meet the criteria in the PDS. This is the case whether you’re yet to leave home or already in New Zealand.
But it highlights why it’s smart to purchase your cover as soon as you book your trip. Even more so if you’re going to NZ. According to Earth Sciences New Zealand, the country experiences around 20,000 earthquakes every year. Only about 250 are large enough to be felt, though. This is because NZ sits on the so-called Ring of Fire, where the Earth’s plates rub together. It’s also home to active volcanoes, so natural disasters like volcanic eruptions aren’t unheard of.
But don’t let that stop you visiting! Just read this before you go: What to do if there’s an earthquake while you’re on holiday →
Read the big print: Take a look at the PDS to get all the details of what’s covered – and what’s not – when it comes to natural disasters.
We don’t automatically include cover for cruise holidays in our plans. (Not because we don’t love cruises. It’s only because not every holiday includes a cruise.)
If you’re setting sail to or around NZ, you’ll want to look at our Cruise Cover. You need to include it in your policy if you’re heading out onto the ocean or sea for two or more nights or you won’t have cover. If you do include it, you’ll have cover for important stuff like cancellation, on-board and ship-to-shore medical cover, missed port and missed shore excursions.
Want to know all the ins and outs before you buy? Read the PDS.
As the Kiwis would say – yis! All our international plans include $Unlimited~ Overseas Medical and Emergency Dental Expenses cover. It’s arguably one of the most important parts of any travel insurance cover, really. Our emergency assistance team of doctors, nurses and case managers are also standing by 24/7. We’re just a toll-free phone call away from NZ on 0800 445 524. And we’re ready to help whenever you need us.
Chances are your trip will be full of fun only. But if you do fall ill or are involved in an accident in New Zealand, it may be just the thing you need. Yes, Australia and New Zealand do have a reciprocal health agreement. But! The Australian Government’s Smartraveller says it doesn’t replace the need for travel insurance cover, so it’s smart to pack cover.
If you take the right cover with you ‘across the ditch’, it can help if you’re involved in a whitewater rafting accident, if you have a fall on the ski slopes, or if you hurt your back on a bungee – or even if you get a dose of the flu that knocks you for six.
Boring but important: If you’re doing activities in New Zealand that aren’t automatically included in our plans, make sure you include the right cover options in your policy. Check out our Snow Sports Cover, Adventure Activities Cover, Cruise Cover, and Motorcycle/Moped Riding Cover for more information. The PDS also has all the details you’ll need, so give it a read.
~Cover will not exceed 12 months from onset of the illness, condition or injury.
Travel is for everyone – including people with medical conditions. (And who are we kidding, we all have at least one, right?!)
Our plans include cover for a bunch of existing medical conditions (if you meet all the criteria in the PDS). But if all your conditions aren’t on this list – or you don’t meet the criteria – there are lots of other conditions we can cover, too. Just take our online health assessment when you get a quote to find out. Some can be included for no extra cost, some will involve an extra cost if you choose to include the cover in your policy. And then there are some we just can’t cover.
Ready to find out if we can cover your conditions? Get a quote online now. (And don’t forget to read the PDS before you buy!)
Good to know: Even if we can’t cover all your medical conditions – or you choose not to include the cover – you’ll still get cover (subject to the terms and conditions of the PDS) for non-related claims. Like, if you miss a flight connection because the plane on your first leg had mechanical issues.
If something unexpected happens during your trip, try not to worry – you’re not alone. Start by contacting the local emergency services on 111 for immediate assistance if you need it. They’re equipped to handle any urgent situation, from medical emergencies to accidents. Plus, they’re on the ground in NZ with you.
Once you’re safe, give our 24/7 global emergency assistance team a call. You can reach us form New Zealand on this toll-free number: 0800 445 524. Whether it’s arranging medical care, helping with travel disruptions, or just offering guidance, we’re here to support you through it all.
Take a deep breath – you’re in good hands.
We don’t have a crystal ball (sorry!), so you’ll need to get a quote to reveal the answer. The cost of travel insurance for New Zealand depends on a bunch of things that only you’ll know. (Read: trip length, age, planned activities, trip cost, and more.)
So, if you’re hunting for the best travel insurance for New Zealand for everything you’ve got planned, get a quote online. It’s fast. It’s easy. And you can choose the plan that works for your budget and your needs.
Good to know: Before you buy cheap travel insurance for New Zealand, double check it’s got the cover levels you actually need. Our Basic plan may have $Unlimited~ Overseas Medical Expenses cover, but if you’re taking stuff like phones, drones, smart watches, the cover limits may not be high enough. Compare the limits across all our plans with what you need to see which plan is best for you. Because we’re here to cover you – not cover ourselves.
~Cover will not exceed 12 months from onset of the illness, condition or injury.
You’re clearly an A+ traveller if you’re asking a question like that. The best way to know if there’s anything going on in New Zealand is to check these before and during your trip:
- The Australian Government’s Smartraveller – it’s a great place to start
- Our Travel Alerts page – it’ll mention any safety issues or events you need to know about
- Our Cover-More app – it sends real-time safety alerts straight to your phone.
No matter what time of year you visit, New Zealand will put on a show. From its hot springs and islands of the North Island to its great Southern Alps of the South Island, it’s always got something exciting for Aussies to see and do.
But along with those scenic ski runs, world-class hiking trails and impeccable wine regions, New Zealand’s also located on the so-called Ring of Fire. This means it’s prone to earthquakes and volcanic eruptions.
If you’re worried about your safety in NZ – or have questions about a travel alert and how it might impact your cover – call us on 1300 72 88 22.
Yep. We’ve popped them all in the PDS, so don’t forget to read it all before you jet off ‘across the ditch’. There are common exclusions related to stuff you might be getting up to in New Zealand (read: adventure activities, skiing and snowboarding, motorcycle and moped riding, cruising, and more), so don’t ignore it.
Of course you can. You can submit a claim online at any time, from anywhere – including from a hot spring in New Zealand. We know holiday hiccups are frustrating, so we aim to make claim submissions as convenient as possible.
Note to self: Gather up all your supporting documents – police reports, medical receipts, airline letters, etc. – then start the process. It’s usually faster and easier if you do.
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.