Why pack our travel insurance for single trips?
We want you to explore the world – and our own backyard – safely. Whether you’re into lazy beach days or heart rate-rising activities, our cover can help you during the good times and the not-so-good-times.
It’s flexible
You can choose the cover that matches your trip. International or domestic cover? We’ve got both.
It’s supportive
You can get overseas medical cover for incidents, so you can focus more on getting better – not on paying all the bills.
It’s dependable
You get access to emergency assistance at any time, from anywhere – from people who care.
It’s fun
You get cover for 80 awesome sports and activities, no matter which plan you choose. Who knew that many existed?!
It’s flexible
You can choose the cover that matches your trip. International or domestic cover? We’ve got both.
It’s supportive
You can get overseas medical cover for incidents, so you can focus more on getting better – not on paying all the bills.
It’s dependable
You get access to emergency assistance at any time, from anywhere – from people who care.
It’s fun
You get cover for 80 awesome sports and activities, no matter which plan you choose. Who knew that many existed?!
What you get with our international single trip travel insurance
Sitting on a beach in Sicily? Then you probably won’t need cover for skiing in Switzerland. Whatever your itinerary, we’ve got travel insurance plans and cover options to suit your trip plans.
We also cover what we say we will. So, whichever single trips travel insurance plan you end up choosing – Basic, Comprehensive or Comprehensive+ – make sure it’s got the cover you need. 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 fun holiday reading material, but it’s the source of truth when it comes to our cover’s limits, exclusions, and conditions.
Good to know: If you travel a lot (lucky duck!), you could save time and money with a multi-trip policy. We sell international annual multi-trip policies, so if you’re looking for an excuse to travel more in the next 12 months, maybe this is your sign to do just that.
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.
|
||
| Included | Included | Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| $Unlimited~ | $Unlimited~ | $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.
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| $2,000 | $2,000 | $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.
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||
| Available | Available | Available |
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If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen medical expenses. This cover provides financial support if you suffer from a disabling injury, sickness or disease while travelling in Australia.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Medical Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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||
| N/A | N/A | N/A |
|
If you’re a non-Australian resident visiting Australia on our Inbound Plan, we can provide cover for unforeseen emergency dental expenses. Cover is for treatment provided on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function. No cover is provided for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or cosmetic dentistry.
Note: This cover is only available to travellers who are not eligible for Medicare cover. It is also not available to Australia citizens or residents or on our International and Domestic plans.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Emergency Dental Expenses in Australia section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
|
||
| N/A | N/A | N/A |
|
If you incur incidental non-medical costs during an overseas hospital stay of over 48 hours, we can reimburse you for the additional expenses.
Our cover is limited to $50 for each night you are hospitalised and covers out-of-pocket expenses such as in-room TV, phone calls, magazines, books, and toiletries. Note: You will need to obtain receipts to submit with your claim for reimbursement.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Hospital Incidentals section in the PDS.
*Sub-limits apply.
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| $Nil | $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.
|
||
| $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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 | Optional cover available | Optional cover available |
|
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased after a 12-hour delay and before your luggage was returned to you.
We provide up to $300 per item for underwear, socks, toiletries, non-prescription medication, a change of shoes and clothing, and a bag to place them in. We also provide $100 for transport costs incurred to retrieve your luggage. Item and transport costs can be covered up to the maximum benefit limit of your chosen plan.
Note: This benefit does not apply on the leg of your trip that returns you home.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Delayed Luggage Allowance section in the PDS.
*Sub-limits apply.
•Item limit applies for any one item, set or pair of items, including attached and unattached accessories.
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||
| $600 | $1,100 | $1,500 |
|
If your money is accidently lost or stolen while on your person or stolen from a locked safe or safety deposit box, we can reimburse you up to the maximum benefit limit of your chosen plan. Your money can be in the form of cash, bank or currency notes, and postal or money orders.
Don’t forget: If your money is lost or stolen, you must report it to the relevant body (policy or security personnel, responsible transport provider, or accommodation provider) and obtain a copy of the relevant report. You have seven days from when you first become aware of the incident to request a report.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Money section in the PDS.
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| $Nil | $250 | $500 |
|
If you suffer an injury or illness while you’re travelling and you can't return to your usual place of work, we can provide financial support.
Our Loss of Income cover provides up to 75% of your usual monthly net income tax wage for up to six months or until the maximum benefit limit is reach – whichever occurs first. Note: This benefit does not pay for any income lost in the first 15 days after you originally planned to resume work.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Loss of Income section in the PDS.
◊Liability collectively for Loss of Income, Disability and Accidental Death is $30,000 on our Comprehensive Plan and $45,000 on our Comprehensive+ Plan.
|
||
| $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.
|
||
| N/A | N/A | 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.
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||
| $Nil | $5,000 | $10,000 |
|
If you’re hiring a rental vehicle on your trip, we can provide comprehensive cover if you are the nominated driver on the rental vehicle agreement and you have comprehensive motor vehicle insurance for the rental vehicle for the hire period.
You will need to purchase our Comprehensive+ Plan for our Rental Vehicle Comprehensive Cover to be included in your policy.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Driving Holidays section in the PDS.
*Sub-limits apply.
|
||
| 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.
|
||
| Cover available | Cover available | 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. | 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.
+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 + |
|---|---|---|---|
|
If you unexpectedly become ill with COVID-19 while overseas, we can provide cover for Overseas Medical Costs~.
If you need to rearrange or cancel your trip because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Amendment or Cancellation Costs#^.
If you incur unforeseen expenses because you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel while on your trip, we can provide cover for Additional Expenses#.
If you are a Comprehensive Plan and Comprehensive+ Plan policyholder and you’re diagnosed with COVID-19 and certified by a medical practitioner as being not fit to travel before you leave on your trip, we can provide cover for pre-trip Amendment or Cancellation Costs#^.
Important: Our COVID-19 cover does not cover government border closures, lockdowns, self-isolation, or quarantine, mandated COVID-19 tests, close contacts of people diagnosed with COVID-19, cruise cabin confinement costs related to COVID-19, or medical expenses if you enter a country with COVID-19-related “Do Not Travel” advice on smartraveller.gov.au or published in reliable mass media sources.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the COVID-19 section in the PDS and our COVID-19 Benefits page.
†Limits, sub-limits, conditions, and exclusions apply.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
#A special excess will apply.
^Cover chosen applies per policy. Sub-limits apply.
|
Selected benefits see PDS for details | Selected benefits see PDS for details | Selected benefits see PDS for details |
|
If you need assistance while you’re on your trip, our expert team of doctors, nurses, case managers and travel agents is here to help you 24 hours a day, seven days a week.
Note: If you need hospitalisation, if your medical expenses will exceed $2,000, or if you want to return early while on your trip, you – or someone on your behalf – should phone our emergency assistance team as soon as possible.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the 24-hour Emergency Assistance section in the PDS.
|
Included | Included | Included |
|
If you become sick or injured while on your trip, we provide cover for the usual and customary cost ofunexpected medical and hospital expenses incurred overseas. This includes cover for COVID-19, and medical evacuation to an approved medical facility and/or repatriation to Australia.
For full coverage details and any terms, conditions, limits, and exclusions that apply, please read the Overseas Medical Expenses section in the PDS.
~Cover will not exceed 12 months from onset of the illness, condition, or injury. There is no cover available for medical and dental costs (including COVID-19) on our Domestic Plans.
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N/A | N/A | N/A |
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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
If you like to do more than chill out on the beach or sit in cafes sipping on espresso, you can always tailor your cover to match your one-off trip’s itinerary.
Setting sail?
If you’re heading out onto the sea or ocean for two or more nights, you’ll want to check out our Cruise Cover.
Hitting the snow?
If you’re setting foot on the slopes at home or overseas, you can choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate or are curious about trying new things, check out our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your holiday plans include travelling on two wheels, you can choose one of our two levels of Motorcycle / Moped Cover.
Setting sail?
If you’re heading out onto the sea or ocean for two or more nights, you’ll want to check out our Cruise Cover.
Hitting the snow?
If you’re setting foot on the slopes at home or overseas, you can choose one of our two levels of Snow Sports Cover.
Adrenaline junkie?
If you like raising your heart rate or are curious about trying new things, check out our two levels of Adventure Activities Cover.
Bit of a rev-head?
If your holiday plans include travelling on two wheels, you can choose one of our two levels of Motorcycle / Moped Cover.
Uncover more about our travel insurance for single trips
Our two cents? Pack a spare pair of undies on long-haul flights. Be brave enough to try at least one ‘out there’ local cuisine. And get to know our cover before you buy.
Firstly, the ‘single’ in single trip travel insurance has got nothing to do with relationship status.
Secondly, it also has nothing to do with ‘one-way’ trips. Travel insurance for single trips is cover for one trip where you leave your humble abode and return to it once your getaway is over.
Thirdly, this type of cover doesn’t mean you can only go to one ‘single’ country. Not at all. You can visit multiple destinations while travelling with a single trip policy – you just need to let us know where you’re planning to go when you get a quote.
Why is this kind of cover great? It gives you the power to tailor your cover to your exact holiday plans. (Read: laying on the beach, exploring the Artic Circle, or anything in between.) It’s also a great option if you don’t know when or where you’ll be travelling next. (If you do, check out our annual multi-trip cover. It might make your life easier.)
We’ve got single trip travel insurance plans for Australian and overseas holidays, and all our plans offer you the good stuff. (Think: cover for unexpected expenses, optional cancellation cover, and 24/7 access to our emergency assistance team.)
You can get a quote online now to see how much a single trip travel insurance policy costs for your travel plans, plus compare our three plans: Basic, Comprehensive, and Comprehensive+.
Read the big print: Want cover but you’re already travelling? If you buy our domestic or international cover after you’ve left home, you’ll have to wait patiently while our three-day ‘no cover’ period passes before cover applies. If you’re buying inbound cover, you must buy it before you’ve left home – we can’t provide cover if you’re already on your way Down Under.
Almost any trip that your heart desires, really! As long as you’re travelling for less than 12 months, our one-off trip cover could work for your holiday. You plan the itinerary, and we should be able to cover it.
So, if you know you want to head to America to explore the Everglades in Florida or enjoy a European summer while it’s cold and wet in Australia, our travel insurance for single trips is an easy way to protect your one-off trip.
Only you know how much cover you’ll need. We can give you all the cover and all the care in the world, but you’ll need to decide how much cover is right for you and your single trip.
But! Here’s how we can help. When working out how much and what cover you need, always remember there’s more to it than just your destination and trip dates. You’ll want to think about things like what activities you’ll be taking part in, whether you’ll be travelling with expensive camera equipment or if you’re concerned you might need to cancel your trip altogether. We can provide cover for all those things (terms and conditions do apply, obviously), but you’ll need to tell us if you need them.
To choose the right single trip travel insurance for you, get a quote, compare our three plans, check out our extra cover options to see if they apply to your itinerary, read the PDS so you know what you are and aren’t covered for, and then ta-da! You’ll know what is good for your trip.
Don't say we didn't tell you: If you’re going on a sea or ocean cruise for two or more nights, skiing or snowboarding, riding a moped or motorcycle, or planning on trying an activity that is not one of the 80 we automatically include, you’ll need to add our extra cover option(s) to your policy to get cover.
How long is a piece of string? We’re joking. Kind of. The cost of a single trip travel insurance policy depends on so many different things, like the trip length, the destination(s), the number of people on the policy and their ages, and more.
We’ve actually written a whole article about it, so if you’re interested, take a snoop at this: 12 factors that can influence the cost of our travel insurance.
If you’re looking for cheap single trip travel insurance or how much a one-off policy costs, the best thing to do is get a quote online now. It’s simple and fast, we promise.
Buying cover for a one-off trip is just like buying any other type of travel insurance policy. Oh, and it’s rather simple – you can do it online in mere minutes.
See that big ‘Get quote’ button? Tap it, fill in your trip details and keep following the prompts until there are no more.
We’ll ask you things like:
- Where are you going?
- When are you going?
- Do you want to include any other travellers on this policy?
- How old are you?
- Are you going on a cruise? Or on a snow trip? Or being super adventurous? Or riding a motorbike?
- Do you have any existing medical conditions?
…and more, so we can serve up the best cover options for you.
Once you’re happy with your cover, you can buy it safely online.
Got questions or don’t want to buy online? You can also buy single trip travel insurance for Australia and beyond by calling our friendly team on 1300 72 88 22.
Why do millions of travellers choose our single trip 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.
Pack your bags with our tips and trip ideas
We’re here to help you uncover more inspiration before you travel. (We’re good like that.)
9 travel insurance myths to be aware of
The more you know about travel insurance, the better prepared you’ll be if you need help.
Uncover travel insurance myths
10 ways to be a responsible traveller
Find out how you can minimise your travel footprint as you explore the world.
Tips for responsible travel
What should I do if I need a doctor on my trip?
Read our five steps to getting the medical help you need if you’re sick or injured on your travels.
How to see a doctor overseasSingle trip travel insurance FAQs
Still curious about our cover? Let’s unpack your questions.
Travel is for the young – and the young at heart. At Cover-More, we want everyone who wants to travel to be able to do just that – travel. So, if you’re 99 or under, you can get a quote online to see what cover we can offer you.
100+ and still travelling? Good on you! Give us a call on 1300 72 88 22 and we’ll see what we can do. (We might also ask whether you got your birthday letter from the King… Forgive us – we’re a curious bunch.)
We never want to stifle anyone’s travel dreams, so you’ll be happy to know we can provide cover for single trips up to 12 months’ long. Whether it’s a gap year, sabbatical, or just a long bucket list you really need to tick off, if you’re away for less than a year, you can get Cover-More cover and worry a whole lot less.
We can, but only if you’re not staying longer than 12 months. If you’ve staying at your destination longer than 12 months (for example, you have a two-year working holiday visa for the UK), after the 12-month period of cover is up, you’ll need to see what options are available to you depending on where you are. Or, if you are planning this kind of long holiday now, give us a call and we can chat through any options we’ve got available.
You certainly can! Whether you’re planning to pop to Portugal after you’ve taken a spin around Spain or you want to visit Vietnam after cruisin’ around Cambodia, we aren’t going to stop you. (We actively encourage it, actually.)
If you’re visiting two or more countries on the one holiday, all you need to do is enter the name of each country or the region (e.g. All of Asia or All of Europe) you plan on visiting into the destination field when getting a quote to include them in your cover. Easy, eh?
Annual multi-trip travel insurance is a policy that covers you for as many trips as you want to take in a 12-month period up to the max trip length you choose. Single trip travel insurance only covers you for one trip.
If you’re a frequent traveller or have a bunch of holiday plans (lucky you!), an annual multi-trip policy may save you time and money in the long run because you can sort out a full year of cover for multiple trips in one go. Get a quote now to see if it’s cheaper than the cost of single trip travel insurance cover for a couple of trips.
If you only have one trip planned – or don’t know when or where you’ll be travelling next – single trip travel insurance could be best for you. You can get cover that’s perfect for the trip you’re planning now, without having to call on a crystal ball to understand what your next few trips will entail.
This means you can truly tailor your cover to your trip (like, adding our Snow Sports Cover to your policy because you’re heading to New Zealand for a week of fun on the slopes), or save money if you’re travelling to an expensive destination (think: the United States because of its costly health care) because you’re only getting cover for two weeks – not a whole year.
You’ll know what’s best for you based on your holiday plans. And if you don’t? Get a few quotes to see which option is the best value (and has the best cover) for you.
Fun-ish fact: We call annual multi-trip cover ‘AMT’ cover here at Cover-More. Nothing like a good acronym to save time, eh?
Of course! We take your health rather seriously, which is why we have Overseas Medical Expenses cover included in our international policies (whether you’re travelling on a single, annual, or inbound policy), plus up to $2,000 in Overseas Emergency Dental Expenses.
So, if you suffer a disabling injury, sickness, or disease while you’re overseas, we may be able to help with the cost of medical treatment, ambulance transportation, and emergency repatriation or evacuation.
Read the big print: Make sure you look at the PDS to get all the details on our medical cover, including any conditions or exclusions that may apply like:
- Our unlimited medical cover won’t exceed 12 months from onset of the illness, condition, or injury
- If you need to be evacuated or repatriation to Australia, you’ll need to contact us so we can approve the cost and make all arrangements to get you home via our excellent emergency assistance network
- We don’t offer medical cover on our domestic plans, but there’s no need to worry – Medicare and/or your private health insurer in Australia can help you when you’re travelling domestically.
Travelling to Australia on our inbound policy? You get a double dose of medical cover. Our inbound cover includes the same overseas cover as our international plans, plus $1,000,000 for medical expenses in Australia.
You certainly can – but you’ll need to add the level of cover that suits you best to your policy for cover to apply.
We don’t automatically include a specific level of cover for cancellation in our plans, but there’s a good reason for this. Every trip and budget is different, so we let you choose the amount of Amendment or Cancellations Costs cover that best suits you and your trip. All the power to you, we say! You can add this cover to any of our travel insurance plans – Basic, Comprehensive, and Comprehensive+ – so the choice really is yours.
Why include our Amendment or Cancellations Costs cover in your single trip travel insurance? Imagine something happens that either delays your trip or stops you from being able to go on it altogether; without cover, you could lose all the money you paid in advance for non-refundable hotels, flights, tours, and more. With cover, you’re less likely to feel the financial pinch because we can reimburse you for covered costs. Phew!
Oh, and one more thing: If you want even more flexibility when it comes to deciding to cancel your trip, you can include our Cancellation Plus Cover in your policy. It gives you extra flexibility and includes cover for reasons such as change of mind, job situation, unexpected expenses, and more. Check out the PDS for all the details and all the additional terms and conditions that apply.
We include cover for your luggage and travel documents on all but one of our plans – our domestic Basic plan.
The amount of luggage cover you get depends on which plan you choose:
- International Comprehensive+: cover up to $25,000
- International Comprehensive: cover up to $15,000
- International Basic: cover up to $5,000
- Domestic Comprehensive+: cover up to $15,000
- Domestic Comprehensive: cover up to $5,000
- Domestic Basic: no cover
- Inbound: cover up to $15,000.
Don't say we didn't tell you: There are cover limits and sub-limits for certain items, such as phones, watches, and jewellery, which change depending on which plan you choose. Depreciation is also applied to most items over 24 months old, so take a look at the PDS to uncover more about our cover.
A smarter traveller is a safer traveller, so we always recommend checking out our travel alerts page before you book a holiday and buy travel insurance. This can help you make sure your destination is safe to visit right now (and if any exclusions may apply to your cover). You can also look at Smartraveller for government travel advice for your destination.
Once you’ve bought your policy, don’t forget to download our Cover-More app and check out the destination(s) you’ll be visiting. It’s got loads of helpful information and tips to help you travel safer, and gives you tap-to-call access to our brilliant emergency assistance team while you’re travelling. Pretty great, huh?
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.