The table below is a summary of cover and shows the maximum amounts payable under each section per person. For the full terms and conditions please read our Product Disclosure Statement.
Benefit
Cancellation Fees, Lost Deposits & Curtailment
Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Overseas Medical Expenses
Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-
- emergency medical, surgical and hospital treatment and transportation.
- repatriation to your normal country of residence including air ambulance.
- emergency dental treatment to natural teeth
- additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
- additional travel and accommodation expenses for:
- a travelling companion to stay with you and accompany you home; or
- a relative or friend to travel from your normal country of residence to stay with you and accompany you home
- returning your remains to your home or a funeral in the country where you died.
Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.
IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Additional Expenses
Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:-
- Additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
- Additional travel and accommodation expenses where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally planned.
- Additional travel and accommodation expenses for:
- a travelling companion to stay with you and accompany you home; or
- a relative or friend to travel from your normal country of residence to stay with you and accompany you home
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Hospital Cash
You are covered if you are receiving in-patient hospital treatment in a country outside of your normal country of residence for more than 48 hours for a benefit payment of $150 for the subsequent 24 hour period and a further $150 for each subsequent and complete 24 hour period up to the maximum shown in the Schedule of Cover. This benefit is only available where your claim has been accepted under section 2 (Medical and Assistance) of this policy.
You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. any claim which is excluded under the Exclusions applicable to section 2 or where you have not complied with relevant policy conditions.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Permanent Disability Benefit
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Accidental Death Benefit
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Accidental Death Benefit (under 18 years)
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Baggage & Personal Effects
Cover for loss, theft or damage to:
- Your personal effects
- Your valuables
Valuables includes items such as mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Emergency Purchases
We will reimburse you up to the amount shown in respect of emergency purchases for the reasonable cost of buying immediate necessities if your baggage is lost, misdirected or misplaced by a travel carrier for at least 24 hours on an outward leg of your trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Travel Documents, Transaction Cards & Traveller's Cheques
We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged. In addition, we will pay the reasonable travelling and additional accommodation expenses to obtain same.
This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.
Cash
You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Travel Delay
Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.
However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Alternative Transport Expenses
You are covered up to the amount shown in the Schedule of Cover for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:
a. the failure of public transport, or
b. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Hijack Benefit
Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Kidnap & Ransom
You are covered up to the amount shown in the Schedule of Cover for certain ransom / extortion monies and other amounts if you are the subject of a covered Kidnapping or Extortion whilst on an insured trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Kidnap & Ransom (under 18 years)
You are covered up to the amount shown in the Schedule of Cover for certain ransom / extortion monies and other amounts if you are the subject of a covered Kidnapping or Extortion whilst on an insured trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Personal Liability
We will pay costs incurred if you are held legally liable for causing:
- accidental bodily injury to someone else, and/or
- accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Excess
When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and therefore is the uninsured portion of your loss.
Group
Cancellation Fees, Lost Deposits & Curtailment
Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Overseas Medical Expenses
Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-
- emergency medical, surgical and hospital treatment and transportation.
- repatriation to your normal country of residence including air ambulance.
- emergency dental treatment to natural teeth
- additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
- additional travel and accommodation expenses for:
- a travelling companion to stay with you and accompany you home; or
- a relative or friend to travel from your normal country of residence to stay with you and accompany you home
- returning your remains to your home or a funeral in the country where you died.
Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.
IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Additional Expenses
Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:-
- Additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
- Additional travel and accommodation expenses where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally planned.
- Additional travel and accommodation expenses for:
- a travelling companion to stay with you and accompany you home; or
- a relative or friend to travel from your normal country of residence to stay with you and accompany you home
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Hospital Cash
You are covered if you are receiving in-patient hospital treatment in a country outside of your normal country of residence for more than 48 hours for a benefit payment of $150 for the subsequent 24 hour period and a further $150 for each subsequent and complete 24 hour period up to the maximum shown in the Schedule of Cover. This benefit is only available where your claim has been accepted under section 2 (Medical and Assistance) of this policy.
You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. any claim which is excluded under the Exclusions applicable to section 2 or where you have not complied with relevant policy conditions.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Permanent Disability Benefit
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Accidental Death Benefit
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Accidental Death Benefit (under 18 years)
You are covered in addition to any medical expenses claim paid under Section 2 for the amount shown in the Schedule of Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Baggage & Personal Effects
Cover for loss, theft or damage to:
- Your personal effects
- Your valuables
Valuables includes items such as mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Emergency Purchases
We will reimburse you up to the amount shown in respect of emergency purchases for the reasonable cost of buying immediate necessities if your baggage is lost, misdirected or misplaced by a travel carrier for at least 24 hours on an outward leg of your trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Travel Documents, Transaction Cards & Traveller's Cheques
We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged. In addition, we will pay the reasonable travelling and additional accommodation expenses to obtain same.
This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.
Cash
You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Travel Delay
Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.
However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Alternative Transport Expenses
You are covered up to the amount shown in the Schedule of Cover for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:
a. the failure of public transport, or
b. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Hijack Benefit
Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Kidnap & Ransom
You are covered up to the amount shown in the Schedule of Cover for certain ransom / extortion monies and other amounts if you are the subject of a covered Kidnapping or Extortion whilst on an insured trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Kidnap & Ransom (under 18 years)
You are covered up to the amount shown in the Schedule of Cover for certain ransom / extortion monies and other amounts if you are the subject of a covered Kidnapping or Extortion whilst on an insured trip.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Personal Liability
We will pay costs incurred if you are held legally liable for causing:
- accidental bodily injury to someone else, and/or
- accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.
This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
Excess
When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and therefore is the uninsured portion of your loss.