Need to be hospitalised on your overseas trip? Here’s how a Travel with Jane Lite travel insurance policy will cover your emergency medical treatment costs.
You had your trip all mapped out and a visit to the hospital was not on your itinerary. Nor was that emergency stop at the dentist or medivac ride back to Australia. Accidents and illnesses have no place in your holiday plans but unfortunately they do happen.
Sometimes it’s a sudden toothache that sends you running towards the nearest dentist. Or a slippery floor that lands you facedown with a broken arm. Sometimes the situation is far more serious and you need emergency surgery or even medical evacuation back to Australia. It’s in times like these that you’re super thankful for your Travel with Jane Lite travel insurance.
OVERSEAS EMERGENCY MEDICAL ASSISTANCE
If you’re overseas and injure yourself or become sick, Travel with Jane will provide you with access to a qualified Medical Advisor who will assist you with planning and getting the emergency medical treatment you need. Depending on what’s happened you may need emergency hospitalisation. Your Medical Advisor will manage this, and provide the required written guarantee of payment of reasonable expenses to your hospital or treatment facility so that treatment can begin.
In the case of a medical emergency while travelling, your Medical Advisor will also keep your family and colleagues in the loop with updates on your whereabouts, condition and recovery.
HOSPITALISATION, MEDICAL TRANSFER OR EVACUATION
If you’re not near a hospital, or need to be brought back to Australia for treatment, we will manage the costs of medical transfer or evacuation under appropriate medical supervision. We’ll also bring back your dependants if you’re their only guardian overseas.
EMERGENCY MEDICAL AND HOSPITAL EXPENSES
If you’re injured or facing a medical emergency overseas,Travel with Jane will pay for the reimbursement of the reasonable medical or hospital expenses incurred by you until you’re safely back in Australia. This includes costs of overseas hospital, medical, surgical, nursing, and ambulance expenses.
EMERGENCY DENTAL EXPENSES
If your teeth are in good nick and you suddenly come down with an acute toothache, Travel with Jane will pay the cost of emergency dental treatment up to a maximum of $500 per person. We’ll need this to be certified in writing by your treating dentist.
DEATH DUE TO ILLNESS
No one likes to think of this, but if you were to pass away as a result of your injury or sickness during your trip we will pay for the reasonable cost of either a funeral or cremation overseas, or pay to bring your remains back to your home in Australia. Here, the maximum we’ll pay is $15,000 for all claims combined.
ACTIVITIES WE DON’T COVER
Holidays are all about trying new things and we’re all for that. The reality is that some holiday activities can be dangerous and result in injury, so for that reason we don’t cover injuries that are a result of hazardous activities. Find out more about excluded activities here.
The list of activities we do cover is longer than those we don’t cover, still it’s important to know that if you’re injured during specific excluded activities or events such as hunting or parachuting, we won’t be able to cover your medical expenses.
WINTER SPORTS EXLUSIONS
It’s important to know that most winter sports are automatically excluded from your cover, which means if you’re injured due to say skiing, or snowboarding, you won’t be covered. If you’re off to the snow you’ll need to add optional cover to your Travel with Jane policy so that you’re insured in case of a medical emergency.
By paying an additional Winter Sports premium you can extend your cover to include winter sports like recreational skiing and snowboarding, ice skating and tobogganing.
When it comes to all travel insurance, the rules around what you can and can’t do at the snow are pretty tight, so have a read here if you’re planning an alpine adventure.
WHAT WE MEAN BY PRE-EXISTING CONDITIONS
A Pre-Existing Medical Condition means any diagnosed medical condition, which in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication for. Claims arising from pre-existing medical conditions are excluded under your policy unless the condition is one of the qualifying ‘Automatically Covered Pre-Existing Medical Condition’ listed here.
WHAT WE’LL PAY
| Emergency medical assistance, 24/7
Access to a specialists Medical Advisor, payment guarantees to foreign hospitals, keep loved ones and colleagues informed during an emergency, arrangement of medical transfers and repatriation if necessary.
| Emergency medical and hospital expenses
Cover for foreign hospitals, medical, surgical, nursing, ambulance expenses.
| Death due to illness
Cover for burial or cremation overseas or for transporting your remains to Australia
|Up to $15,000 for all claims combined|
| Overseas emergency dental expenses
Cover for dental treatment that provides you with relief from sudden and acute pain.
|Up to $500 per person|
WHEN WE WON’T BE ABLE TO PAY
Unexpected accidents and illnesses overseas are just that – unexpected. Your Travel with Jane Lite travel insurance policy will cover you in most instances, but to be super prepared, you need to know about certain conditions and exclusions.Here are the main things to look out for. Full details can be found in your policy PDS:
- If your condition is related to certain pre-existing medical conditions, you won’t be covered. Many pre-existing medical conditions are automatically covered though, like gastric reflux and migraine. To see if this might impact you, read about pre-existing conditions here. There are also specific rules around travelling while pregnant (congratulations!)
- We won’t cover the cost of medical evacuation, funeral services or cremation, or bringing your remains back to Australia unless we’ve first approved these steps.
- Your Medical Advisor will provide you with advice which you’ll need to follow in order to be covered for overseas emergency medical assistance or emergency medical and hospital expenses. If you don’t follow their advice we may not be able to pay your claim.
- You’ll need to let us know as soon as is practical that you’re receiving emergency medical treatment, otherwise your claim may be compromised.
- If you’ve received medical care under the Reciprocal National Health Scheme Australia has with specific countries we won’t cover your medical expenses as these would already have been managed under the scheme. Reciprocal countries include Finland, Italy, Malta, the Netherlands, Norway, Sweden, the Republic of Ireland, Belgium, Slovenia, United Kingdom and New Zealand.
- We won’t cover your medical expenses after 2 weeks of treatment by a chiropractor, physiotherapist or dentist unless approved by us.
- We won’t cover your medical expenses for damages to dentures, bridges, crowns, cosmetic dentistry or dental treatment involving precious metals.
Don’t let an accident or medical emergency ruin both your holiday and your savings. Bring Travel with Jane travel insurance along for the ride and be covered when you need it most. Get a personalised quote to see how much you could save.