Why pack our international travel insurance?
We want you to wander more, eat more and see more – safely. So, whether you’re off to Egypt to see the pyramids, Bali to cycle through paddy fields, or Norway to chase auroras, apply SPF50 to your travel plans and worry less.
It’s flexible
We’ve got three travel insurance plans for international trips, so you’re bound to find an option that works for your trip.
It’s useful
You can include cancellation and amendment cover, which can help if you need to cancel or change your holiday plans.
It’s reliable
You can call our 24/7 emergency assistance team for support or advice anytime if you need help while you’re away.
It’s extensive
You’ll get automatic cover for 80 adventure activities while you’re overseas, no matter which plan you choose.
It’s flexible
We’ve got three travel insurance plans for international trips, so you’re bound to find an option that works for your trip.
It’s useful
You can include cancellation and amendment cover, which can help if you need to cancel or change your holiday plans.
It’s reliable
You can call our 24/7 emergency assistance team for support or advice anytime if you need help while you’re away.
It’s extensive
You’ll get automatic cover for 80 adventure activities while you’re overseas, no matter which plan you choose.
Here’s what you get with our international travel insurance
Your overseas holiday should be about making memories that’ll last a lifetime – not struggling through tough times. So, take us with you. We’ll help you worry less and focus on the fun stuff. How? Because our international travel insurance can help in more ways than one if things take a (bad) turn.
But! We also cover what we say we will. Have a look at the table below to see what’s covered, what‘s not, and the limits for our international cover.
Don’t forget to actually read the Product Disclosure Statement (PDS) – it’s the source of truth about our limits, exclusions, and conditions. Yes, it might sound boring (it is a bit). But you’ve got to read it. It’ll help you choose the best international travel insurance for you and your escape. Plus, it’ll help you understand your cover.
Good to know: You get a 21-day cooling-off period with our insurance. That means we can refund you the cost of your policy if you change your mind within 21 days of buying it (as long as you haven't started your trip, or you don't want to make a claim).
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.
What you get with our single trip travel insurance for Australian trips
Whether you’re taking a quick trip to another city or going on an epic Aussie adventure across multiple state borders, domestic travel insurance can help when your plans don’t go to, erm, plan.
We’ve got three domestic plans for you to choose from for your one-off trip: Basic, Comprehensive, and Comprehensive+. We also cover what we say we will. So, before you hit ‘buy’ on your single trip travel insurance for your Australian holiday, take a beat and look at the table below. Because if it’s not covered by your policy, we won’t be able to pay the bill.
You should also read the Product Disclosure Statement (PDS). We know it’s not exactly entertaining pre-holiday reading, but it’s the source of truth when it comes to our single trip travel insurance cover’s limits, exclusions, and conditions.
Good to know: If you travel within Australia a lot (envious? Us?!), you could save time and money with a multi-trip policy. We sell domestic annual multi-trip policies, so if you’re looking for an excuse to travel more in our own backyard in the next 12 months, maybe this is your sign to do just that.
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 |
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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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N/A | N/A | N/A |
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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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N/A | N/A | N/A |
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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 | $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 | $1,000 |
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If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
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$Nil | $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 | $2,500 |
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We provide cover for cameras and video cameras under our Luggage and Travel Documents benefit.
If your camera or video camera is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to cameras and video cameras less than two years old.)
Don’t forget: If your cameras or video cameras is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$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 | $5,000 |
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We provide cover for tablet computers under our Luggage and Travel Documents benefit.
If your tablet computer is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to tablet computers less than two years old.)
Don’t forget: If your tablet computer is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $3,000 | $3,000 |
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We provide cover for drones (with or without cameras) under our Luggage and Travel Documents benefit.
If your drone is lost, stolen, or damaged on your trip (and not lost, stolen, or damaged whilst in use), we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to drones less than two years old.)
Don’t forget: If your drone is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $2,000 |
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We provide cover for medical items (such as artificial limbs, removable dental appliances like dentures and retainers, and medical devices like hearing aids and CPAP machines) under our Luggage and Travel Documents benefit.
If your medical item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to medical items less than two years old.)
Don’t forget: If your medical item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $1,200 | $1,500 |
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We provide cover for jewellery, watches, and any other items under our Luggage and Travel Documents benefit.
If your jewellery, watch, and other item is lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your item based on the value of the item affected after depreciation has been deducted. (Depreciation is not applicable to items less than two years old.)
Don’t forget: If your jewellery, watch, and any other item is lost or stolen, a police report is required to process the claim. You have seven days from when you first become aware of the incident to request a police report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Luggage and Travel Documents section in the PDS.
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$Nil | $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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N/A | 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 $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
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$Nil | $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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Not included | $2,500 | $2,500 |
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If you’re hiring a rental vehicle on your trip, we can provide rental vehicle insurance excess cover. If your rental vehicle is damaged or stolen whilst in your control during your trip, we can cover the cost of the insurance excess or the vehicle repair costs you’re liable for – whichever is lower.
Don’t forget: It is your responsibility to obtain a final loss/repair report so we can assess your claim.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
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$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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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 + |
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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 |
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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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||
| N/A | N/A | N/A |
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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.
|
||
| N/A | N/A | N/A |
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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.
|
||
| 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 |
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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.
|
||
| $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.
|
||
| $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.
What you get with our inbound single trip travel insurance
Do you live outside of Australia and want to visit our fair shores? We get it. We’ve got cute kangaroos, brilliant beaches, and so much fresh food to tuck into. Plus, did we mention the sunshine?!
Our single trip inbound cover is for non-Australian residents venturing Down Under. If that’s you, look at the table below to see what’s covered, what’s not, and the cover limits. We cover what we say we will, so if it’s not covered by your policy, we won’t be able to pay the bill.
Oh, and you should also read the Product Disclosure Statement (PDS) before you buy our inbound single trip travel insurance cover. It’s the source of truth when it comes to our cover, and includes any limits, exclusions, and conditions you should know.
Good to know: You need to purchase our inbound travel insurance for single trips before you leave home for cover to apply. Yep, you can’t buy it if you’ve already on your way. So, add ‘get travel insurance’ to your holiday to-do list, STAT.
Inbound
If you’re a visitor to Australia and want to explore Down Under with our cover packed, too, our inbound plan could be for you.
On-trip COVID-19 cover†
$1,000,000 Medical Expenses in Australia
$Unlimited Additional Expenses cover*
Up to $15,000 luggage cover*
$3,000 Travel Delay cover*
| Benefit | Inbound |
|---|---|
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$Unlimited~ |
|
If you need to pay for unexpected dental treatment during your trip, we can provide cover for emergency overseas dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Emergency Dental Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you have pre-existing medical condition(s), we may be able to provide cover for claims relating to your condition(s).
We automatically provide cover for several conditions (see the full list and the criteria that apply in the PDS). If any of your conditions are not automatically included or the criteria is not met, you can apply for cover via our online medical assessment when prompted. If your condition(s) are accepted by us, an extra premium may apply to include cover in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Existing Medical Conditions section in the PDS.
|
Automatically included conditions only |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$1,000,000~ |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
$2,000 |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
|
$6,000 |
|
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements (such as flights, accommodation or tours).
Our plans do not automatically include cover for this benefit. To include Amendment or Cancellation Costs cover in your policy, choose a level of protection suitable for your trip when prompted.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Amendment or Cancellation Costs section in the PDS.
^Cover chosen applies per policy.
*Sub-limits apply.
|
$Cover chosen^ |
|
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.
Covered events include if you become sick, if a non-travelling relative or business partner become sick, or your home is destroyed by fire, earthquake, or flood while you’re on your trip, and more.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Additional Expenses section in PDS.
*Sub-limits apply.
|
$Unlimited* |
|
If you die while you’re on your trip, we can provide cover for the cost of cremation and/or the cost of returning your remains to your home in Australia.
Note: Our Return of Mortal Remains coverage differs depending on whether you’re travelling domestically within Australia or internationally.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Return of Mortal Remains section in the PDS.
|
$50,000 |
|
If your pre-booked transport is delayed for at least six hours for a reason outside your control, we provide cover for additional accommodation expenses. This includes the cost of reasonable additional accommodation (room rate only) and the cost of your original unused, prepaid accommodation (if applicable) up to a total of $300.
Up to $300 cover for each additional full 24-hour period beyond the initial six-hour period is available (up to the benefit limit) if the delay continues.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Delay section in the PDS.
*Sub-limits apply.
|
$2,000 |
|
If you need to return to Australia while you’re on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner who lives anywhere in the world, we can pay for the economy class transport costs you incur to return to your overseas trip.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Resumption of Journey section in the PDS.
|
$3,000 |
|
If your prepaid, scheduled transport or cruise is cancelled, delayed, or rescheduled within 72 hours of its scheduled departure time and you will no longer make a pre-book connection, we can reimburse you for some additional expenses incurred. This includes the cost of public transport, accommodation, and meals missed on a cruise.
Note: We can only provide this cover if you have allowed sufficient time (at least 90 minutes) to transfer to the connection.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Missed Connections section in the PDS.
*Sub-limits apply.
|
$3,000 |
|
If your transport provider becomes insolvent and you need to rearrange or cancel your trip or return home, we can reimburse you for prepaid travel cost, and non-refundable and additional transport and accommodation expenses.
A “transport provider” means a properly licensed coach operator, airline, cruise line, shipping line, or railway company.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Travel Services Provider Insolvency section in the PDS.
|
$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
Do you like to do more than bask on the beach or stroll through local markets when you travel? We get it. It’s why you can tweak your cover to make sure it matches your incredible international holiday.
Setting sail?
If you’re heading out onto the ocean or sea for two or more nights, then you’ll need to include our Cruise Cover.
Hitting the slopes?
Before you set foot on the snow on your overseas trip, choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.
Love two wheels?
Before you jump on a motorcycle or moped as the driver or passenger, check out one of our two levels of Motorcycle / Moped Cover.
Setting sail?
If you’re heading out onto the ocean or sea for two or more nights, then you’ll need to include our Cruise Cover.
Hitting the slopes?
Before you set foot on the snow on your overseas trip, choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.
Love two wheels?
Before you jump on a motorcycle or moped as the driver or passenger, check out one of our two levels of Motorcycle / Moped Cover.
Uncover more about our international travel insurance
Our two cents? Check your passport’s expiry date before it’s too late. Use packing cubes to keep your suitcase somewhat organised. And get to know our cover before you buy.
It’s up to you to decide if international travel insurance is worth it. But we can tell you this: it might come in handy if things go sideways while you’re overseas.
It could be as simple as a delayed bag that flew to Rome while you’re in Paris. It could be something as serious as an injury or illness that means you need to be hospitalised or evacuated home to Australia.
Having the right international travel insurance cover can help with costs that come with unexpected plot twists in your holiday story whether the issue is minor or major.
That’s probably why the Australian Government says ‘travel insurance is just as essential as a passport’ on its smartraveller.gov.au website.
But we don’t just cover unexpected costs at Cover-More. We’re also here to care for you 24/7. We’ll be here to help if something happens overseas and you’re not sure what to do or who to call. It’s what we do – and why our international travel insurance is worth packing.
The short answer is? A lot.
The long answer? We have three international travel insurance plans. Each one offers varying levels of cover for these benefits:
Overseas Emergency Medical and Dental Expenses
Additional Expenses
Amendment or Cancellation Costs (you pick how much you need!)
Luggage and Travel Documents
Delayed Luggage Allowance
Missed Connections
Travel Delays
Driving Holidays
Loss of Income
Accidental Death
…and more.
We also have additional cover options you can add to your policy to suit your plans:
Cruise Cover
Adventure Activities Cover
Motorcycle/Moped Riding Cover
Snow Sports Cover
Cancellation Plus Cover
…and you can even increase your luggage item limit if you’ve packing expensive items.
Your trip, your cover. You get to choose what extras you do and don’t need - it's your holiday, after all.
Good to know: You can compare our three plans to help you choose the right international travel insurance for you. And always read the PDS so you know what you are and aren’t covered for.
The answer to this question is different for every traveller – and every trip. How much you pay for your policy depends on a bunch of things, including:
Where you’re off to and when
Your age
How long you’ll be away
How many people you include
The plan you choose
If you want to include any optional add-ons
If you want extra cover for valuables
If you want cover for any existing medical conditions.
The easiest way to find out how much it’ll cost is to get a quote. Just scroll to the top of this page to get cracking!
Here’s a tip – read our PDS to compare our plans! Yes it’s long. But it’s got loads of info on all the benefits, what exactly each plan includes, and the cover limits. Understanding the details will help you figure out which plan is right for your trip.
Want the TL;DR version?
Our Comprehensive+ plan has more bells and whistles than the others. It’s for travellers who want access to our highest benefit levels for extra extra protection.
Our Comprehensive international travel insurance plan is our most popular. It’s our mid-tier plan with a mix of the essentials and the nice-to-haves.
Our Basic plan might do the trick if you just want base-level cover and you’re OK with lower cover limits.
But seriously – do check the PDS before you buy.
Yes, but for medical emergencies only (e.g. we don’t cover elective medical expenses, such as facelifts or liposuction).
All three of our international plans get you access to $unlimited cover for overseas medical expenses* and up to $2,000 for dental costs.
This cover level stays the same whether you’re going on a one-off trip or have an annual multi-trip policy. It also resets every time you get home if you’ve bought an annual multi-trip policy.
What can our Overseas Medical and Dental Expense help cover? Things like medical treatment and ambulance rides if you get sick, injured, or have an accident while you’re overseas. You know, the super expensive stuff you'd rather not fork out for while on holiday! The stuff you don’t plan for on a holiday!
You'll also get cover for emergency evacuations or getting sent back home if needed.
Read the big print:
*Cover for medical and dental expenses only lasts up to 12 months from when the issue starts.
We’ll only cover these costs if we approve your claim and it’s arranged through (and confirmed necessary by) our emergency assistance team.
Existing medical conditions are excluded unless approved by us and any required extra premium is paid.
Terms and conditions apply to pregnancy, and childbirth is not covered.
Medical and dental cover doesn’t apply while you’re in Australia.
Why do millions of travellers choose our international travel insurance?
Quality care, helpful cover, years of experience? Take your pick.
Our app gives you more so you can worry less
You can buy your cover, keep your policy in your pocket – and more. With access to top travel discounts, 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.
Tips and trip ideas for your next overseas adventure
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Our travellers share their tips on saving, budgeting, keeping costs low, and money-saving hacks.
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Travelling can be a great power for good, helping the people and places you visit. Here’s how.
Be a sustainable travellerInternational travel insurance FAQs
Still curious about our cover? Let’s unpack your questions.
Yes, you can. But full disclosure – our international travel insurance plans don’t automatically come with our Cruise Cover included. (This is because not every holiday is a cruise holiday!) You can easily add it to your policy (for an extra cost) if you need it.
When do you need to include our Cruise Cover? If you’re going on an ocean or sea-going cruise for two or more nights. You won’t have access to medical and dental cover while you’re sailing if you don’t. And falling ill or getting injured on a cruise can get expensive…
Including our Cruise Cover in your policy gets you access to:
- Cruise Cancellation cover (when you have Cancellation cover on your policy)
- On-board Medical and Dental cover
- Ship-to-Shore Medical cover
- Sea Sickness Cover
- Cabin Confinement cover
- Missed Port (embarkation)
- Missed Shore Excursions.
Read the big print:
- We’ll only cover these costs if we approve your claim and it’s arranged through (and confirmed necessary by) our emergency assistance team.
- Existing medical conditions are excluded unless approved by us and any required extra premium is paid.
- Terms and conditions apply to pregnancy, and childbirth is not covered.
- Medical and dental cover doesn’t apply while you’re in Australia, on Australian inland waterways or while the ship is tied up in an Australian port.
Absolutely! All our international travel insurance plans come with built-in cover for your luggage and travel documents while you’re globetrotting.
How much cover? That depends on which of our three plans you pick:
- International Comprehensive+: up to $25,000
- International Comprehensive: up to $15,000
- International Basic: up to $5,000.
Important bits for you to know: All items (including phones, watches, and jewellery) have sub-limits and the limit per item type are based on your plan. Depreciation comes into play if your stuff is over 24 months old. So, keep this in mind when packing your treasures!
Yes, you can! We reckon you’re only as old as you feel. We also think more life experience is a good thing when it comes to travel.
We don’t have a specific seniors’ international travel insurance plan – our international plans are designed for all kinds of travellers under 100 years of age. You can get a quote online or call us on 1300 72 88 22 if you’d prefer to speak to a person.
Got existing medical conditions? We know they can crop up as you get older – but they don’t have to stop you from travelling. Just don’t forget to declare all your existing medical conditions when you’re buying our cover! If they flare up during your travels, and you haven’t told us about all your existing medical conditions, and you haven’t paid the extra premium to include cover, we won’t be able to pay the bills.
Please call us if you need help with completing the medical assessment – we're happy to help!
You can! It’s smart to lock in your cover right after you make the first booking relating to your trip. (Think: overseas flights.) That way you can choose the best level of cancellation cover based on your trip cost – and this cover kicks in straight away!
Good to know: There’s a three-day no-cover period if you buy your Cover-More international travel insurance after you leave home. This means you won’t have any cover for the first three days after you buy your policy – for anything that happens or has happened in those three days. Another reason to lock in your insurance before leaving home!
Yes! We know COVID-19 isn’t a huge concern for most people anymore but it still is for some. We have some COVID-19 cover as standard in all three of our international travel insurance plans if it’s something you’re concerned about. Have a read of the PDS – it has all the details about our COVID-19 cover and how it can help you worry less.
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.