iTrek Travel Insurance Cover Summary:

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Comprehensive

Essentials

Medical Only

Long Term Cover

Overseas Emergency Medical Assistance

Cover includes access to trained medical advisers, hospital and medical expense guarantee, medical transfer and evacuation, emergency messages to family and work and in the case of death, funeral coverage up to $15,000 per person.

unlimited $5 million $5 million unlimited

Overseas Emergency Medical and Hospital Expenses

All reasonable medical and hospital expenses incurred in the event of an injury overseas will be covered.

Includes Dental Expenses

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

unlimited

$500

$5 million

$500

$5 million

$500

unlimited

$500

Hospital Cash Allowance

If you're in hospital for longer than 48hrs, you will receive a $50 payment each day while you're overseas.

$5,000 - - $5,000

Accidental Death*

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of you returning home of that injury.

$25,000 - - $25,000

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 because of an injury sustained during your journey.

$25,000 - - $25,000

24 Hours Emergency Assistance

Access to our Emergency Assistance Provider around the world.

unlimited unlimited unlimited unlimited

Local Funeral Expenses/Repatriation of Remains

Cover for the reasonable cost of either a funeral; or cremation overseas and/or returning your remains to your home.

$15,000 $15,000 $15,000 $15,000

Medical Transport & Repatriation

Medical transfer to the nearest hospital or medical evacuation back to Australia.

unlimited unlimited unlimited unlimited

Treatment by Chiropractor & Physiotherapist

Cover for a reasonable medical expenses if you injure yourself and require a treatment by a chiropractor or physiotherapist.

$1,000 $500 $500 $1,000

Credit Card Fraud & Replacement

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

$2,500

Yes

- - $2,500

Yes

Theft of Cash

We will pay for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.

$250 - - $250

Luggage and Personal Effects Delay Expenses

Cover includes reimbursement for items, luggage and personal effects delayed, misdirected or misplaced by the carrier for more than 12 hours.

$500 $250 - $500

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

Repair cost or value of any luggage and personal items stolen, lost or damaged during travel.

Includes Cover for Laptops, Personal Computers and Cameras

Sublimits apply. Please see PDS.

Includes Cover for Tablets and Mobile Phones

Sublimits apply. Please see PDS.

Includes Unspecified Items

Sublimits apply. Please see PDS.

$10,000

Yes

Yes

Yes

$5,000

Yes

Yes

Yes

- $10,000

Yes

Yes

Yes

Cancellation Fees and Lost Deposits*

We will pay for cancellation fees, lost deposits, travel agent fees (up to $1,500), and loss of frequent flyer or travel points lost due to your journey being cancelled or shortened for unexpected circumstances.

$20,000 $5,000 - $15,000

Disruption to Your Journey (beyond 6 hours)*

Cover for additional meals and accomodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control.

$1,000 - - $1,000

Alternative Transport Expenses

Cover includes payment for additional travel arrangements to reach a wedding, funeral, sporting event, prepaid travel/tour arrangements on time due to cancelled, delayed, shortened or diverted transport.

$5,000 - - $5,000

Interruption Costs of Your Journey

Cover for any reasonable additional accommodation and travel expenses if you can not travel because of an injury or illness.

Includes Emergency Companion Cover*

Cover for reasonable additional accommodation and travel expenses you or your travelling companion incur to remain with the other companion if one person can't continue their journey because of injury or illness.

$10,000

Yes

- - $10,000

Yes

Resumption of Journey

Cover for cost of airfares for you to return to the place where your journey was interrupted, if your journey was interrupted by a relative passing away/being hospitalised.

$1,500 - - $1,500

Trip Home Due to a Family Emergency

Cover if a relative (aged 84 or under) dies unexpectedly or is disabled by an injury or becomes seriously ill.

$1,500 - - $1,500

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.

$2,500,000 $1 million $1 million $2,500,000

Rental Vehicle Insurance Excess

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; Stolen, Crashed or Damaged.

Includes Return of Rental Vehicle

Cover for the cost of returning the rental vehicle due to you being unfit to do so.

$4,000

Yes

- - $4,000

Yes

Kidnap & Hijack

Cover up to $250 for every 24 hours if you are hijacked or kidnapped during your overseas journey,

$4,000 - - $4,000

^ 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.
!! Means some plans have an option to increase a standard limit for a rental vehicle insurance excess.