What if you become permanently disabled or pass away on your overseas trip? Here’s how a Travel with Jane Luxe travel insurance policy will cover you.
Nothing could be more frightening than suffering an accident overseas that leads you to become disabled or unable to return to work once you get home to Australia. Except maybe for the thought of actually passing away on your trip. So, without dwelling on the negatives too much, know that your Travel with Jane Luxe travel insurance policy will pay you $25,000 to cover the costs of permanent disability, up to $10,000 to cover a loss of income due to an injury that prevents you from being able to work, and, a payment of $12,000 to your beneficiary should you die in an accident.
LOSS OF INCOME
If you become disabled within 30 days of suffering an accidental injury overseas and can’t work when you get back to Australia, Travel with Jane will pay your lost income up to $10,000 at $400 per week. You’ll be covered in this way for up to 26 weeks after being back for 30 days. The 30 days is known as the ‘waiting period’ where we wait to see, fingers crossed, that your disablement is not long-term or permanent.
If you suffer an injury on your trip that causes a total loss of sight in one or both eyes, or a total loss of the use of a limb (legs or arms) within 12 months of the accident, Travel with Jane will pay $25,000 to help you cover some of the costs of your disability.
Your accompanying dependents are also covered, with a payout of $5,000 per dependant.
If you pass away within 12 months due to an injury sustained on your trip, Travel with Jane will pay $12,000 to your nominated beneficiary. You’re also covered in this way if you die in a transport accident and are presumed dead with no sighting of your body after 12 months has passed. Your accompanying dependents are also covered, with a payout of $5,000 per dependant.
WHAT WE MEAN BY ‘INJURY’ OR ‘INJURED’
In travel insurance terms, injury is defined as bodily harm caused solely and directly by violent, accidental, visible and external means. So this excludes injuries due to any illness or self-harm, which includes suicide.
WHAT WE’LL PAY
Loss of income
If due to an accident you can’t return to work after 30 days of being back in Australia, we’ll pay $10,000 to cover your lost income.
|up to $10,000 at $400 a week|
If due to an accident you lose the use of your sight or limbs we’ll pay you $25,000.
|up to $25,000|
If you die due to an accident we’ll pay $12,000 to your beneficiary.
|Up to $12,000|
* Sub–limits apply to this benefit
WHEN WE WON’T BE ABLE TO PAY
Accidents that lead to disablement or, worse, death, are every traveler’s worst nightmare. Your Travel with Jane Luxe 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. For full details please read your policy PDS:
- If your disablement, death or loss of income is caused by self harm or suicide, you won’t be covered.
- If your disablement, death or loss of income is due to an illness or disease, you won’t be covered.
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.