Do more and worry less with accidental death travel insurance cover

It’s a not a very nice topic to think about, but it’s an important one. Accidental death travel insurance cover – sometimes referred to as accidental death and dismemberment travel insurance (AD&D) – provides financial support if you (or someone else on your policy) suffers an injury on your trip and dies while you’re travelling or within one year of the accident occurring. It can help your loved ones during an unimaginably tough time by providing funds to help cover the unexpected costs related to your death. 

Yes, you’ll get our Accidental Death cover if you purchase one of these plans:

• International Comprehensive+
• International Comprehensive
• Inbound
• Domestic Comprehensive+
• Domestic Comprehensive.

Check out the table above for the maximum amount of accidental death travel insurance cover each of these plans include. Plus, don’t forget to read the PDS to uncover any cover conditions you need to know about.

If you buy one of the plans above and accidentally die on your trip or within one year of the accident, we can pay your estate the amount listed against our Accidental Death cover in your plan. For your loved ones to get this lump sum, you – or someone who’s sharing your policy – will need to have died from a covered injury. Check out the next section for all the details.

Want to know if our plans include travel insurance with accidental death and dismemberment cover? Most do, but we call it something different. We split it into two different types of cover: our Accidental Death benefit and our Disability benefit. Together, they provide cover that’s like what you might call accidental death and dismemberment travel insurance, but you’ll find them listed separately in the PDS.

Not all types of death are covered under our Accidental Death cover, so it’s important you read the PDS for the full story.

But, in a nutshell, this is what you should know: the death must be caused by 'violent, accidental, visible, and external means’. Yes, this means the death needs to be because of an injury, not the result of a sickness or disease.

We can’t cover absolutely everything, and when it comes to accidental death, there are some super important things you should know.

If you or someone else on your policy die on your trip – or within one year of getting home – because of:

• wilful or self-inflicted injury
• suicide
• attempted suicide

…we won’t be able to provide cover. Remember, it’s cover for accidental death, so the death must be the result of an accident.

If you or someone else on your policy suffers from a disabling injury while you’re on your trip, you’ll also need to follow the advice and treatment given by a qualified doctor. They’re the experts in this space – and are there to help you – so it’s important to do what they say.

The PDS has all the details, so give it a read. And don’t forget to check the policy conditions and general exclusions – they contain information about what’s relevant to our accidental death travel insurance. 

We hope it’ll never happen, but if it does, our cover can help your family cope with your death beyond our Accidental Death cover.

Our plans have other benefits that can help during this time, including:

• Additional Expenses cover: for help with an overseas funeral or cremation, or the cost of returning your remains to Australia
• Overseas Medical Expenses cover: for help with medical costs if you’re injured overseas and need treatment, and if need to be evacuated home
• Access to emergency assistance: for support 24/7 when you or your family need it most.