What we cover

Compare plans

We offer 3 plans, Lite, Luxe and Annual Multi Trip. Compare benefits using the table below.

Benefit Lite Luxe Annual Multi Trip
Overseas Medical and Hospital Expenses*
Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses.
Unlimited Unlimited Unlimited
Cancellation and Amendment Fees*
Cover if your journey has to be re-arranged or cancelled
$5,000 $12,000 $12,000
Additional Expenses*
Cover for additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.
× $12,000 $12,000
Luggage and Personal Effects*
We will replace, repair or pay You the value in cash for lost, stolen or damaged luggage/personal effects.
$5,000 $10,000 $10,000
Travel Documents, Credit Card & Travellers Cheques
We will pay You for the cost of replacing travel documents, credit cards and travellers cheques lost or stolen on the Journey. We will also pay for Your legal liability arising from their illegal use. You must however comply with all the conditions of the issue of the document prior to and after the loss or theft.
× $5,000 $5,000
Delayed Luggage Allowance
If all Your luggage is delayed by a Transport Provider during the Journey for more than 24 hours We will pay You up to $375 for essential emergency items of clothing and toiletries You purchase whilst on Your Journey. These limits will be doubled if You still have not received Your luggage after 72 hours.
× $750 $750
Theft of Cash
We will reimburse You for cash, bank or currency notes, postal or money orders accidentally stolen from Your person.
× $250 $250
Rental Car Insurance Excess*
We will pay You for any Rental Car insurance excess You become liable to pay as a result of damage to, or theft of, a Rental Car, whilst in Your control during the Journey.
× $5,000 $5,000
Travel Delay Expenses*
Cover for additional accommodation expenses if your scheduled transport is delayed over 6 hours.
× $2,000 $2,000
Alternative Transport Expenses
We will pay for the reasonable Additional cost of using alternative public transport to arrive at Your destination on time.
× $5,000 $5,000
Resumption of Journey
Cover for the cost to return overseas if you have to return to Australia early as a result of the ill-health of a relative or business partner in Australia.
× $3,000 $3,000
Hospital Cash Allowance*
Covers the cost of miscellaneous expenses up to a given limit per night if you are hospitalised overseas for at least 48 hours.
× $5,000 $5,000
Loss of Income*
Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia. (Up to 3 months)
× $10,000 up to 6 months $10,000 up to 6 months
Permanent Disability*
Benefit payable if, due to an injury sustained during your journey, you suffer total loss of sight in one or both eyes or total loss of the use of a limb.
× $25,000 $25,000
Accidental Death*
Benefit payable (to your estate) if you die due to an injury sustained during your journey.
× $12,000 $12,000
Personal Liability
Cover for legal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons.
$1,000,000 $2,000,000 $2,000,000

Children and dependants under 21 covered for free when travelling with an insured adult.

* Sub–limits apply to this benefit

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