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Cover for Additional Expenses

Travel insurance can protect you from unforeseen additional expenses

When you’re travelling, it is easy to forget about all the things that could go wrong. Expenses that you never saw coming can quickly arise and throw your trip into disarray. Cover-More can help protect you and your finances when you encounter unforeseen incidents.

Cover is provided for a range of issues such as if you get sick or die while on your trip, or if you need to get home because your house has been destroyed by a fire, earthquake or flood. Having our travel insurance can also assist if your relative or business partner becomes sick in Australia and you are required to return home, among other circumstances. Please refer to our full PDS for further information.

Save yourself the hassle of additional expenses and consider Cover-More travel insurance. Get a free quote online or call us on 1300 72 88 22 to discuss your trip coverage options.

Policy benefit for additional expenses

Check out our definitions below that relate to this section of the policy.

“Additional” means the cost of the accommodation or transport You actually use less the cost of the accommodation or transport You expected to use had the Journey proceeded as planned.

“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease which first shows itself during the Period Of Insurance and which requires immediate treatment by a qualified medical practitioner or dentist.

 “Home” means Your usual place of residence in Australia.

“Relative” means Your spouse, de facto, parent, grandchild, brother, sister, son-in-law, daughter-in-law, parent-in-law, grandparent, child, step-parent, brother-in-law, sister-in law, fiancé(e), first cousin, aunt, uncle, niece and nephew.

1. If You become sick

Cover is subject to the written advice of the treating qualified medical practitioner and acceptance by Our emergency assistance team.

If You suffer a Disabling Injury, Sickness or Disease, cover is provided for reasonable Additional accommodation (room rate only) expenses and Additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred by:

  1. You. The benefit ceases when You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.
  2. Your travelling companion who remains with or escorts You until You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.
  3. One person (e.g. a Relative) (if You don’t have a travelling companion with You already) who travels to and remains with You following You being hospitalised as an inpatient. The benefit ceases when You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.

Cover is also provided for reasonable expenses incurred in returning Your Rental Car to the nearest depot if You suffer a Disabling Injury, Sickness or Disease provided that, on the written advice of the treating qualified medical practitioner, You are unfit to drive it.

2. If You die

Cover is provided for reasonable overseas funeral or cremation expenses or the cost of returning Your remains to Australia if:

  1. You die during the Period Of Insurance. In either event the maximum amount We will pay in total will not exceed $20,000; or
  2. You hold a valid Schengen Visa and You die in a Schengen member state during the Period Of Insurance. In either event the maximum amount We will pay in total will not exceed 30,000EUR for expenses incurred in that Schengen member state.

3. If a Relative or Your business partner becomes sick in Australia

Cover is provided for reasonable Additional transport expenses at the same fare class as originally booked if You are required to return Home due to the sudden Disabling Injury, Sickness or Disease or death of a Relative or Your business partner in Australia.

4. If Your Home is destroyed by fire, earthquake or flood

Cover is provided for the reasonable Additional transport expenses at the same class as originally booked for Your early return Home if it is totally destroyed by fire, earthquake or flood while You are on Your Journey.

5. Other circumstances

Cover is provided for Your reasonable Additional accommodation (room rate only) and Additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred on the Journey due to an unforeseeable circumstance outside Your control and resulting from:

  1. Disruption of Your scheduled transport because of riot, strike or civil commotion occurring after the commencement of the Journey provided You act reasonably in avoiding Additional costs;
  2. Loss of passport or travel documents except involving government confiscation or articles sent through the mail;
  3. A quarantine regulation You unknowingly breach;
  4. A natural disaster;
  5. A collision of a motor vehicle, watercraft, aircraft or train in which You are travelling;
  6. Your scheduled transport being delayed for at least 12 hours due to severe weather conditions. Cover is provided for up to $250 providing written confirmation from the Transport Provider has been obtained.

The maximum benefit limit for this section is:

Premium Plan $Unlimited
Medical Only Plan $Unlimited
Domestic Plan $10,000^
Domestic Cancellation Plan Cover chosen*^
Inbound $10,000,000*

^Combined limit of Section 2 and 3. *Combined limit of Section 1 and 2.

For approved claims under this Section and Section 3 for the same or similar Additional expenses or prepaid travel costs over the same period, We pay the higher of the two amounts claimed, not both.

We will not pay for:

  1. Any costs or expenses incurred prior to You being certified by a medical practitioner as unfit to travel.
  2. Claims under Section 2.3 and 2.5 arising from an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these.

Please also refer to our General Exclusions and Policy Conditions.

Do you have a question about our additional expenses benefit? Give us a call on 1300 72 88 22 to discuss. Get a free quote online for Cover-More travel insurance.

 

The information on this page relates to the Direct Cover-More travel insurance product effective 24 June 2019.