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Travel Insurance |
International benefits
If you will spend more than 96 hours in the continents of North America, South America or Antarctica then you must select the Platinum Plan.
This is only a summary of cover. Exclusions apply and you should read the full terms and conditions applicable to the policy.
Cancellation Fees – Lost Deposits: Charges incurred by unforseen circumstances outside your control such as sickness or accident, retrenchment, strikes and cancellation of annual leave by your employer. Includes Travel Agents fees and reimbursement for frequent flyer points lost.
Overseas Medical, Hospital, Dental & Emergency Expenses: Medical, dental and accommodation cost and, when agreed to by us, your early return to Australia for medical reasons.
Cash in Hospital: After 48 hours hospitalisation we will pay you $50 for every 24 hours you are confined in hospital for out-of-pocket expenses and other comforts. This is in addition to your medical and hospital costs.
Luggage: Covers accidental loss, theft or damage to your luggage, including duty- free purchases and loss or fraudulent use of credit cards. Emergency cover if luggage is delayed. Limits apply to any one item of luggage.
Special limits apply for camera, video camera, laptop computer equipment and set of golf clubs:
Luggage - Specified Items: Cover on items worth more than the limits shown can be arranged up to a maximum $4,000 for any one item or set with a maximum of $8,000 in total by paying an additional premium of 4% on the insured value. Receipt for purchase or valuations either one that is not more than twelve months old, must be produced to your Travel Agent before issue of the Policy and again to the Insurer in support of any Claim that may occur.
Travel Delay: Cover for reasonable accommodation and meals if you are delayed by carriers for more than ten hours.
Resumption of Trip: Cover for expenses to resume your trip should you return to Australia with our consent following the death or, sudden serious injury or illness, of you or a relative or close business associate.
Accidental Death: Occurring as a result of an accident. Includes in- flight cover.
Accidental Disability: Provides you with a lump sum benefit if you suffer a permanent disability, during your trip due to an accident.
Loss of Income: Provides compensation if you are unable to resume work upon your return.
Your Legal Liability: Protection for you being liable for injuring other persons or causing damage to their property and, most importantly, your legal expenses are included.
Rental Vehicle Excess: Rental car companies apply an excess in case of accident, damage or theft. Your policy provides cover for up to $4,000. You have the option to increase the amount of cover by payment of an extra premium of $15 for each additional $500 of excess cover required to a maximum cover of $6,000.
Financial Default: Provides compensation to assist you should there be a financial default of your travel service provider. This does not include travel agents.
| International Plans | ||
| Single | Family | |
| Cancellation Fees, Lost Deposits | Unlimited | Unlimited |
| Overseas Medical Hospital & Emergency Expenses | Unlimited | Unlimited |
| Overseas Dental | $2,000 | $4,000 |
| Cash in Hospital | $6,000 | $12,000 |
| Luggage | $15,000 | $30,000 |
| Travel Delay | $1,000 | $2,000 |
| Resumption of Journey | $3,000 | $6000 |
| Accidental Death | $25,000 | $50,000 |
| Accidental Disability | $10,000 | $20,000 |
| Your Legal Liability | $2,500,000 | $2,500,000 |
| Rental Vehicle Excess | $4,000 | $4,000 |
| Loss of Income | $5,000 | $10,000 |
| Financial Default | $10,000 | $20,000 |