Protect more and worry less with disability travel insurance cover

Travel insurance with disability cover isn’t cover for people with an existing disability; it’s cover that can help if you’re involved in an accident or injured while you’re on holiday and you’re left with a permanent disability.

Most holidays will be memorable for all the right reasons. But the unexpected can also happen. You could be on a road trip across the US when you’re involved in a car accident that causes you to lose a limb. You could be skiing down the slopes in the French Alps when a collision with another skier leaves you without sight in one eye.  

If you’re left with a permanent disability after an incident on your holiday and you’ve got the right cover in place, disability travel insurance cover can help. 

Yes, you’ll get access to our Disability cover if you purchase one of these plans:  

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

The table above has the cover limit for each plan, while the PDS has all the cover conditions you need to know about. Give them a good read, yeah?

If you buy one of the plans above and suffer from an injury on your trip that leads to a permanent disability, we can help. The disability doesn’t need to occur while you’re travelling either – if your on-trip injury turns into a disability within one year of the accident, we can help ease your financial pain.

Keen to know if our plans include accidental death and dismemberment cover? They do, kind of. We just call it something different. We split the cover into two: our Disability benefit and our Accidental Death benefit. Together, they’re like accidental death and dismemberment travel insurance cover, but they’re listed separately in the PDS. Don’t forget to read this very important document so you’re across our cover before you buy.

We hope you never need to use it, but our Disability cover is for permanent disabling injuries only. It doesn’t cover temporary disabilities.

When it comes to our Disability cover, a permanent injury means:

• an injury that results in either permanent loss of sight in one or both eyes, with no reasonable prospect of improvement
• the loss of one or more limbs, within a year of the accident or injury occurring.  

If you need to understand more about what this means for you, please chat to one of our customer service team on 1300 72 88 22.

Oh, and we’re still here to care for you if you get injured or sick while you’re travelling – that’s what our Overseas Medical and Dental Expenses cover is for. We include $Unlimited~ Overseas Medical Expenses in all our international plans to help you when you need it most.

~Cover will not exceed 12 months from onset of the illness, condition or injury. 

We can’t cover every single type of disability, so please read the PDS to truly get to know our cover.

But you should know this: the disability must be caused by 'violent, accidental, visible, and external means. Translation? The disability needs to be caused by an injury, not a sickness or disease.

You should also know this: If you or someone else on your policy suffers from a disability because of:  

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

…that happened on your trip, we won’t be able to provide cover. Remember, travel insurance provides cover unexpected events, so the disability-causing injury must be an unexpected accident.  

We’re so happy to hear you’ve got the travel bug. We believe everyone deserves to explore, which is why we have cover for existing medical conditions.

The easiest way to check if we can provide cover for your disability is to get an online quote and fill out the medical assessment form. You can also give our team a call on 1300 72 88 22 to chat about your disability and how we can help cover your upcoming trip.