Cover

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
$7,500
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.

 

Overseas medical expenses
Unlimited
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:
    1. a travelling companion to stay with you and accompany you home; or
    2. 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.

 

Additional expenses
$50,000
Hospital cash
$5,000
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 other expenses) 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.

Please also refer to the General Exclusions and Conditions of this policy.

 

Permanent disability benefit
$25,000
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.

Payment under this section in respect of all the consequences of an Accident shall be limited in total to the amount shown in the Schedule of Cover. In the event of your death within 12 months of the Accident, the total payment will be limited to the amount shown for death.

Permanent Total Disablement means that for the twelve months following your Accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

Loss of Limb(s) means complete physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.
Loss of Sight means complete and permanent loss of sight in one or both eyes.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. claims resulting from motorcycling and quad biking.
c. claims arising out of manual and/or hazardous labour.
d. claims arising out of disease, illness, self injury or natural causes.
e. claims arising out of surgery unless as a direct result of the Accident.
f. a claim for “Permanent Total Disablement” if at the date of the Accident you are over the statutory retirement age and are not in full
time paid employment.

Aggregate Liability
a. Except as stated below, Our total liability for all claims arising under the Policy during any one (1) Period of Insurance shall not exceed
$7,500,000
b. In the event that claims are made under the Policy which exceed the above Aggregate Limits of Liability, We shall reduce the payments made with respect to each Covered Person in such manner as We may determine. Any determination as to the amount payable in these circumstances shall
be made at Our entire discretion and shall not be the subject of any challenge of any kind.

Please also refer to the General Exclusions and Conditions of this policy.

Accidental death benefit
$75,000
Accidental death benefit

$100,000 for non-income earners.

Cover can be increased to $200,000 - please email us at travel@gosafetravelinsurance.com.au for more info.

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.

Payment under this section in respect of all the consequences of an Accident shall be limited in total to the amount shown in the Schedule of Cover. In the event of your death within 12 months of the Accident, the total payment will be limited to the amount shown for death.

Permanent Total Disablement means that for the twelve months following your Accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

Loss of Limb(s) means complete physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.

Loss of Sight means complete and permanent loss of sight in one or both eyes.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. claims resulting from motorcycling and quad biking.
c. claims arising out of manual and/or hazardous labour.
d. claims arising out of disease, illness, self injury or natural causes.
e. claims arising out of surgery unless as a direct result of the Accident.
f. a claim for “Permanent Total Disablement” if at the date of the Accident you are over the statutory retirement age and are not in full time paid employment.

Aggregate Liability
a. Except as stated below, Our total liability for all claims arising under the Policy during any one (1) Period of Insurance shall not exceed $7,500,000
b. In the event that claims are made under the Policy which exceed the above Aggregate Limits of Liability, We shall reduce the payments made with respect to each Covered Person in such manner as We may determine. Any determination as to the amount payable in these circumstances shall be made at Our entire discretion and shall not be the subject of any challenge of any kind.

Please also refer to the General Exclusions and Conditions of this policy.

 

Accidental death benefit (under 18 years)
$20,000
Baggage & personal effects
$5,000
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

 

Total limit for valuables
$750
Maximum per item, pair or set
$500
Luggage delay expenses
$250
Travel documents, personal money & traveller's cheques
$5,000
Travel documents, personal money & traveller's cheques

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including 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
$500
Cash (under 18 years)
$250
Travel delay
$1,000
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.

 

Alternative transport expenses
$5,000
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.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. a claim caused by an event, occurrence or strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the latter.
c. any claim under this section if you have also claimed under Section 7 from the same cause.
d. any claim for more than the cost of the original booked trip.

Conditions
It is a condition of this insurance that you must:
a. plan to arrive at your departure point in advance of the carrier’s earliest scheduled check-in time and provide a written report from the carrier, Police or relevant transport authority confirming the delay and stating its cause.
b. obtain a report from repairers if your claim is because of breakdown or accident to your car.

Please also refer to the General Exclusions and Conditions of this policy.

 

Hijack benefit
$5,000
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.

 

Kidnap & ransom
$250,000
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.
You are also covered for
1. loss due to destruction, disappearance,
seizure or usurpation of Extortion/Ransom
Monies while being delivered to a person
demanding those monies by anyone who
is authorised by the you to have custody
thereof, provided however, that the Kidnap
or Extortion which gave rise to the delivery is
insured hereunder; and
2. the amount paid by you for Expenses
resulting directly from a Kidnap or Extortion
occurring during the Period of Insurance and;
and
3. reasonable costs of retaining independent
security consultants for the exclusive function
of investigating the Kidnap, negotiating the
your release, paying any ransom or recovery
of you provided that We have given Our prior
written consent to the use of such consultants.
4. the payments in paragraphs 1, 2 and 3 above
shall be inclusive of and not in addition to,
the benefit amount shown in the Schedule of
Cover.
Definitions
Expenses means any of the following:
1. reasonable payment made by you to a person
providing information which leads to the arrest
of the individuals responsible for a Kidnap or
Extortion insured hereunder;
2. reasonable and customary loan costs
incurred by you from a financial institution
providing money to be used for payment of
Extortion/Ransom Monies;
3. reasonable and customary travel and
accommodation costs incurred by you as a
result of a Kidnap or Extortion; of a Kidnap or
Extortion for up to:
a. thirty (30) days after your release from a
Kidnap;
b. discovery of your death; or
c. one hundred and twenty (120) days after
you receive the last credible evidence that the
insured is still alive; or
d. sixty (60) months from the date of the
Kidnap, if the victim has not been released.
4. personal financial loss suffered by you;
5. your travel costs if are the victim of a Kidnap
to join your immediate family upon your
release. Travel costs will be at economy fare;
6. reasonable and customary fees and
expenses of a qualified interpreter assisting
you in the event of a Kidnap or Extortion; and
7. any other reasonable and customary
expenses incurred by you with Our prior
approval in resolving a Kidnap or Extortion
insured hereunder.
Extortion means to intimidate by a threat or
series of threats to Kidnap or cause bodily injury.
Extortion/Ransom Monies means a
consideration paid for the return of a Kidnap
victim or consideration paid to terminate or
end an Extortion, to a person believed to be
responsible for the Kidnap or Extortion and
includes but is not limited to cash, securities,
marketable goods or services, property or
monetary instruments.
Kidnap means the illegal abduction and holding
hostage of one or more Covered Persons for the
purpose of demanding Extortion/Ransom Monies
as a condition of release. A Kidnap in which more
than one Covered Person is abducted shall be
considered a single Kidnap.

Rental vehicle excess
$5,000
Rental vehicle excess

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a Motor Car Accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This cover does not take the place of rental car insurance and only provides cover in respect of damage to the hire car for which you are legally liable up to the applicable section limit.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. any claim arising directly or indirectly from you operating a rental car in violation of the rental agreement or whilst affected by alcohol or any other drug with the exception of medically prescribed drugs used in accordance with dosage and directions provided to you by your medical practitioner.
c. any claim arising directly or indirectly from wear, tear, gradual deterioration, insects and vermin, willful damage by you or latent defect/damage.
d. any claim resulting from your use of the car without an appropriate licence.
e. any claims arising directly or indirectly from you hiring a motorcycle, scooter, motor home or camper van.
f. any claims arising solely from damage to windows, windscreen or tyres.

Please also refer to the General Exclusions and Conditions of this policy.

Personal liability
$7,500,000
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.

 

Excess
$135
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 so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

 

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.

 

Cancellation fees, lost deposits & curtailment
$7,500
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:
    1. a travelling companion to stay with you and accompany you home; or
    2. 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.

 

Overseas medical expenses
Unlimited
Additional expenses
$50,000
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 other expenses) 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.

Please also refer to the General Exclusions and Conditions of this policy.

 

Hospital cash
$5,000
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.

Payment under this section in respect of all the consequences of an Accident shall be limited in total to the amount shown in the Schedule of Cover. In the event of your death within 12 months of the Accident, the total payment will be limited to the amount shown for death.

Permanent Total Disablement means that for the twelve months following your Accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

Loss of Limb(s) means complete physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.
Loss of Sight means complete and permanent loss of sight in one or both eyes.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. claims resulting from motorcycling and quad biking.
c. claims arising out of manual and/or hazardous labour.
d. claims arising out of disease, illness, self injury or natural causes.
e. claims arising out of surgery unless as a direct result of the Accident.
f. a claim for “Permanent Total Disablement” if at the date of the Accident you are over the statutory retirement age and are not in full
time paid employment.

Aggregate Liability
a. Except as stated below, Our total liability for all claims arising under the Policy during any one (1) Period of Insurance shall not exceed
$7,500,000
b. In the event that claims are made under the Policy which exceed the above Aggregate Limits of Liability, We shall reduce the payments made with respect to each Covered Person in such manner as We may determine. Any determination as to the amount payable in these circumstances shall
be made at Our entire discretion and shall not be the subject of any challenge of any kind.

Please also refer to the General Exclusions and Conditions of this policy.

Permanent disability benefit
$25,000
Accidental death benefit

$100,000 for non-income earners.

Cover can be increased to $200,000 - please email us at travel@gosafetravelinsurance.com.au for more info.

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.

Payment under this section in respect of all the consequences of an Accident shall be limited in total to the amount shown in the Schedule of Cover. In the event of your death within 12 months of the Accident, the total payment will be limited to the amount shown for death.

Permanent Total Disablement means that for the twelve months following your Accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

Loss of Limb(s) means complete physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.

Loss of Sight means complete and permanent loss of sight in one or both eyes.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. claims resulting from motorcycling and quad biking.
c. claims arising out of manual and/or hazardous labour.
d. claims arising out of disease, illness, self injury or natural causes.
e. claims arising out of surgery unless as a direct result of the Accident.
f. a claim for “Permanent Total Disablement” if at the date of the Accident you are over the statutory retirement age and are not in full time paid employment.

Aggregate Liability
a. Except as stated below, Our total liability for all claims arising under the Policy during any one (1) Period of Insurance shall not exceed $7,500,000
b. In the event that claims are made under the Policy which exceed the above Aggregate Limits of Liability, We shall reduce the payments made with respect to each Covered Person in such manner as We may determine. Any determination as to the amount payable in these circumstances shall be made at Our entire discretion and shall not be the subject of any challenge of any kind.

Please also refer to the General Exclusions and Conditions of this policy.

 

Accidental death benefit
$75,000
Accidental death benefit (under 18 years)
$20,000
Baggage & personal effects

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

 

Baggage & personal effects
$5,000
Total limit for valuables
$750
Maximum per item, pair or set
$500
Luggage delay expenses
$250
Travel documents, personal money & traveller's cheques

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including 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.

Travel documents, personal money & traveller's cheques
$5,000
Cash
$500
Cash (under 18 years)
$250
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.

 

Travel delay
$1,000
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.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. a claim caused by an event, occurrence or strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the latter.
c. any claim under this section if you have also claimed under Section 7 from the same cause.
d. any claim for more than the cost of the original booked trip.

Conditions
It is a condition of this insurance that you must:
a. plan to arrive at your departure point in advance of the carrier’s earliest scheduled check-in time and provide a written report from the carrier, Police or relevant transport authority confirming the delay and stating its cause.
b. obtain a report from repairers if your claim is because of breakdown or accident to your car.

Please also refer to the General Exclusions and Conditions of this policy.

 

Alternative transport expenses
$5,000
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.

 

Hijack benefit
$5,000
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.
You are also covered for
1. loss due to destruction, disappearance,
seizure or usurpation of Extortion/Ransom
Monies while being delivered to a person
demanding those monies by anyone who
is authorised by the you to have custody
thereof, provided however, that the Kidnap
or Extortion which gave rise to the delivery is
insured hereunder; and
2. the amount paid by you for Expenses
resulting directly from a Kidnap or Extortion
occurring during the Period of Insurance and;
and
3. reasonable costs of retaining independent
security consultants for the exclusive function
of investigating the Kidnap, negotiating the
your release, paying any ransom or recovery
of you provided that We have given Our prior
written consent to the use of such consultants.
4. the payments in paragraphs 1, 2 and 3 above
shall be inclusive of and not in addition to,
the benefit amount shown in the Schedule of
Cover.
Definitions
Expenses means any of the following:
1. reasonable payment made by you to a person
providing information which leads to the arrest
of the individuals responsible for a Kidnap or
Extortion insured hereunder;
2. reasonable and customary loan costs
incurred by you from a financial institution
providing money to be used for payment of
Extortion/Ransom Monies;
3. reasonable and customary travel and
accommodation costs incurred by you as a
result of a Kidnap or Extortion; of a Kidnap or
Extortion for up to:
a. thirty (30) days after your release from a
Kidnap;
b. discovery of your death; or
c. one hundred and twenty (120) days after
you receive the last credible evidence that the
insured is still alive; or
d. sixty (60) months from the date of the
Kidnap, if the victim has not been released.
4. personal financial loss suffered by you;
5. your travel costs if are the victim of a Kidnap
to join your immediate family upon your
release. Travel costs will be at economy fare;
6. reasonable and customary fees and
expenses of a qualified interpreter assisting
you in the event of a Kidnap or Extortion; and
7. any other reasonable and customary
expenses incurred by you with Our prior
approval in resolving a Kidnap or Extortion
insured hereunder.
Extortion means to intimidate by a threat or
series of threats to Kidnap or cause bodily injury.
Extortion/Ransom Monies means a
consideration paid for the return of a Kidnap
victim or consideration paid to terminate or
end an Extortion, to a person believed to be
responsible for the Kidnap or Extortion and
includes but is not limited to cash, securities,
marketable goods or services, property or
monetary instruments.
Kidnap means the illegal abduction and holding
hostage of one or more Covered Persons for the
purpose of demanding Extortion/Ransom Monies
as a condition of release. A Kidnap in which more
than one Covered Person is abducted shall be
considered a single Kidnap.

Kidnap & ransom
$250,000
Rental vehicle excess

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a Motor Car Accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This cover does not take the place of rental car insurance and only provides cover in respect of damage to the hire car for which you are legally liable up to the applicable section limit.

You are not covered for
a. any claim which is excluded under the General Exclusions applicable to this policy.
b. any claim arising directly or indirectly from you operating a rental car in violation of the rental agreement or whilst affected by alcohol or any other drug with the exception of medically prescribed drugs used in accordance with dosage and directions provided to you by your medical practitioner.
c. any claim arising directly or indirectly from wear, tear, gradual deterioration, insects and vermin, willful damage by you or latent defect/damage.
d. any claim resulting from your use of the car without an appropriate licence.
e. any claims arising directly or indirectly from you hiring a motorcycle, scooter, motor home or camper van.
f. any claims arising solely from damage to windows, windscreen or tyres.

Please also refer to the General Exclusions and Conditions of this policy.

Rental vehicle excess
$5,000
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.

 

Personal liability
$7,500,000
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 so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

 

Excess
$135