comprehensive travel insurance

Get our highest level of cover with optional add-ons for winter sports, adventure activities, trekking and high-values items.

 

 
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Comprehensive cover for complete peace of mind

You’re a traveller, not a tourist. But that doesn’t mean you have to take chances.

With our comprehensive travel insurance, you can rest easy knowing you’ve got top-level cover for overseas emergency medical expenses, luggage and personal items, cancellation costs, rental vehicle excess, personal liability and more.*

Plus, if you’re an adventurer or adrenaline junkie, don’t forget about our optional add-ons for winter sports, adventure activities, trekking and bikes. You can get cover for over 150 activities!

 

Key Benefits you actually care about

 

Unlimited Overseas Medical

Nothing beats unlimited cover! That’s why our comprehensive policy gives you unlimited 24/7 Emergency Medical Assistance AND unlimited cover for Medical and Hospital Expenses.

Luggage and personal items

Get up to $10,000 of cover for theft, accidental loss, or damage to your luggage and personal items. This includes automatic cover for electronic devices such as your laptop, tablet, phone or camera.*

Cancellation and curtailment

Even the best laid plans can go astray. That’s why you can purchase your Comprensive Policy up to 12 months in advance to cover cancellations due to unforeseen events.* Not only that, you’ll be covered for Interuption Costs and Disruption of Your Journey (beyond 6 hours).*

Rental Vehicle Excess

Don’t get ripped off by the rental car company! With our Comprehensive Policy, you’re automatically covered for up to $3,000 of excess if your rental vehicle is stolen, damaged or in an accident.* Plus, for an additional premium you can increase your Rental Vehicle Excess cover up to a maximum of $8,000. Note: This cover does not replace rental vehicle insurance.

Family emergency

Travelling can be stressful enough without worrying about the expense of returning home if something happens to your loved ones. Put your mind at ease with cover for a trip home due to a family emergency and resumption of your journey.*

Travel documents

Relax knowing your passport, credit cards and travellers cheques are covered if they’re lost or stolen.*

 

 

Take your trip to the next level

Add-ons for adventurers and adrenaline junkies

Winter Sport pack

Whether it's Banff or Big Bear, you can hit the slopes knowing you're covered with our Winter Sports Pack. It covers damaged equipment, piste closures, and more.

adventure Pack

From abseiling to zip-lining: with the Adventure Pack, there's a huge range of activies you'll be covered for. Sure, you're a daredevil, but you also like to be on the safe side. 

trekking pack

For the wanderer amongst us, we've created a special level of cover. If you're going exploring and off the beaten track, this one's for you.

 

 

Options are a beautiful thing

Bicycle Pack

Taking a bike on your trip? You can get cover of up to $5,000 per bike on your policy - with a total of $15,000 for multiple bikes on the same policy.*

Choice of Excess

Pay a little more now to pay a little bit less if you have to claim. Or pay less now and a little more later. The choice is all yours.

high value items 

Add cover of up to $5,000 for high-value items that aren't automatically covered by your comprehensive policy.*

 

 

faqs

How far in advance can I purchase a comprehensive travel insurance policy?

You can purchase your policy up to 12 months in advance of your travel date. This provides cover for cancellation fees and lost deposits if you need to cancel your trip.* It’s always wise to take out your travel insurance as soon as you make your first booking.

 

I’m travelling alone, what should I do in a medical emergency?

If you become sick or injured, contact our 24/7 Emergency Assistance Team as soon as possible. Our contact details are also printed on your Certificate of Insurance, so we recommend you carry a copy with you.

 

Part of my trip is for work, am I covered while I’m working?

Purchasing our Adventure Pack add-on covers you while you're working provided that you're not participating in manual labour. See the PDS for full terms and definitions.

 

Am I covered on a cruise?

Yes, but make sure that you select the appropriate region you'll be crusing in to ensure you're covered. If you're going on a smaller sailing boat rather than a large cruise liner, you'll need to select our Adventure Pack add-on.*

 

Do you cover pre-existing medical conditions?

Providing you meet some conditons, we automatically cover 35 pre-existing medical conditions without assessment or additonal charge. See the PDS for details.

 

What sports and activities are covered?

We provide automatic cover for a huge range of activites. Plus, if you're an adventurer or adrenaline junkie, check out what's covered in our Winter Sports, Adventure and Trekking add-on packs (only available for Comprehensive and Long Term policies).

 

 

Travel Insurance Policy Benefit

Comprehensive Travel Insurance

medical & evacuation 
 

Overseas Emergency Medical Assistance^

Unlimited

Medical Transport & Repatriation

Unlimited

24 Hours Emergency Assistance

Unlimited

Local Funeral Expenses/Repatriation of Remains

$15,000

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Treatment by Chiropractor & Physiotherapist 

$1,000

Dental Expenses ( per adult)

$500

Hospital Cash Allowance^*

$5,000

Accidental Death*

$25,000

Permanent Disability^*

$25,000

Luggage 
 

Credit Card Fraud & Replacement^

$2,500

Includes Travel Documents & Traveller's Cheques^

Yes

Theft Of Cash^#

$250

Theft, Accidental Loss or Damage to Your Luggage & Personal Items*

$10,000

Includes Cover for Laptops, Personal Computers and Cameras

$3,000

Includes Cover for Tablets and Mobile Phones

$1,000

Unspecified Items

$750

Luggage & Personal Effects Delay Expenses^

$500

CANCELLATION & curtailment
 

Interruption Costs of Your Journey

$10,000

Includes Emergency Companion Cover*

Yes

Trip Home Due to a Family Emergency

$1,500

Cancellation Fees & Lost Deposits*

$20,000

Resumption of Journey

$1,500

Disruption to Your Journey (beyond 6 hours)*

$1,000

Alternative Transport Expenses^

$5,000

ANCILLARY
 

Rental Vehicle Insurance Excess*^^#!!

$3,000

Includes Return of Rental Vehicle

$500

Kidnap & Hijack

$4,000

Personal Liability#

$2.5 million

winter sports pack add on 
 

Emergency Rescue^^

Unlimited

Ski Pack^^

$750

Piste Closure^^*

$1,000

Bad Weather and Avalanche Closure^^

$750

Winter sports equipment hire^^

$1,500

Winter Sports Equipment Excess^^*

$1,750

BICYCLE PACK ADD ON 

 

Bicycles*^^

Up to $5,000 per bike, maximum of $15,000

ADVENTURE PACK ADD ON 

Yes 

TREKKING PACK ADD ON 

Yes

 

 

^ There is no cover under these policy sections while travelling in Australia. Sections 3.1, 3.1A & 3.2- if you claim for the same or similar cancelled services/facilities or alternative arrangements under more than one of these sections we will only pay the higher of the two amounts, not both.
# Limits are per policy regardless of the number of persons the claim relates to.
^^ you only have this cover for these sections if the relevant pack has been purchased.
* Sub-limits apply, please refer to PDS for details. Benefit limits as per traveller.