Comprehensive Travel Insurance

Comprehensive Cover is available for International or Domestic travel.

International cover (Plan A) provides comprehensive international travel insurance, including substantial cancellation, luggage, medical & repatriation cover. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home. (note that there is no cover for medical cost incurred within your Country of Residence)

Domestic cover (Plan B) provides most of the benefits offered under the International Plan, but excludes medical cover.

It is important when buying insurance to fully understand the product to ensure that it meets your needs and expectations.

Note: the cancellation benefit is a pre-travel benefit that covers you from the moment you buy your policy.

SUMMARY OF BENEFITS

This is only a summary of the benefits. Please read the Product Disclosure Statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the Product Disclosure Statement.

1. Cancellation Fees & Lost Deposits

Cover for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

•  Sickness
•  Accidents
•  Strikes
•  Collisions
•  Retrenchment
•  Natural Disasters

Plan A: Unlimited
Plan B: Unlimited
Plan C: Total value of nominated insured holiday

2. Overseas Emergency Medical Assistance

Cover for emergency medical assistance including:

•  24 Hour Emergency Medical Assistance
•  Ambulance - Medical Evacuations
•  Funeral Arrangements - Messages to family
•  Hospital Guarantees

Plan A: Unlimited
Plan B: Not covered

3. Overseas Emergency Medical/Hospital/Dental Expenses

Cover for overseas medical treatment if you are injured or become sick overseas, including:

•  Medical
•  Hospital
•  Surgical
•  Nursing
•  Restoration of dental functions to sound & natural teeth

Plan A: Unlimited
Plan B: Not covered

4. Additional Expenses

Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:

•  Sickness
•  Accidental injury
•  Death

Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:

•  Hospitalisation
•  Medical Evacutation

Plan A and B: Single/Duo - $50,000 per person
Plan A and B: Family - $100,000

5. Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours

Plan A: Single/Duo - $5,000 per person
Plan A: Family - $10,000
Plan B: Not covered

6. Accidental Death

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury

Plan A and B: Single/Duo - $25,000 per person
Plan A and B: Family - $50,000

7. Permanent Disability

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey

Plan A: Single/Duo - $25,000 per person
Plan A: Family - $50,000
Plan B: Not covered

8. Loss Of Income

A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days

Plan A: Single/Duo - $10,400 per person
Plan A: Family - $20,800
Plan B: Not covered

9. Travel Documents, Credit Cards & Travellers Cheques

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

•  Passports
•  Credit Cards
•  Travel Documents
•  Travellers Cheques

Plan A: Single/Duo - $5,000 per person
Plan A: Family - $10,000
Plan B: Not covered

10. Theft Of Cash

Cover for the following items stolen from your person, up to $250 for all claims combined:

•  Bank Notes
•  Cash
•  Currency Notes
•  Postal Orders
•  Money Orders

Plan A: Single/Duo - $250 per person
Plan A: Family - $250
Plan B: Not covered

11. Luggage and Personal Effects

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

•  Luggage
•  Spectacles
•  Personal Effects
•  Personal Computers
•  Cameras

Plan A and B: Single/Duo - $5,000 per person
Plan A and B: Family - $10,000

12. Luggage and Personal Effects Delay Allowance

An allowance to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours

Plan A: Single/Duo - $250 per person
Plan A: Family - $500
Plan B: Not covered

13. Travel Delay Allowance

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay:

Plan A and B: Single/Duo - $1,000 per person
Plan A and B: Family - $2,000

14. Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as:

•  Wedding
•  Funeral
•  Conference
•  Sporting Event
•  Pre-paid travel/tour arrangements

Plan A: Single/Duo - $5,000 per person
Plan A: Family - $10,000
Plan B: Not covered

15. Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Plan A an B: Single/Duo - $5 million per person
Plan A and B: Family - $5 million

16. Rental Vehicle

Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being:

•  Stolen
•  Crashed
•  Damaged and/or cost of returning rental vehicle due to you being unfit

Plan A and B: Single/Duo - $3,000 per person
Plan A and B: Family - $3,000

*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST