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     plan benefits
     plan A - comprehensive international


Plan A provides comprehensive travel insurance for persons travelling internationally, including substantial cancellation, luggage, medical & repatriation cover. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home. (note that there is no cover for medical cost incurred within Australia)

Note: the cancellation benefit is a pre-travel benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the product disclosure statement carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

Section

Benefit

Single

Duo

Family

1

Cancellation Fees and Lost Deposits

unlimited 

unlimited 

unlimited 

2

Overseas Emergency Medical Assistance

unlimited 

unlimited 

unlimited 

3

Overseas Emergency Medical and Hospital Expenses
- Dental Expenses

unlimited 

unlimited 

unlimited 

 

$500 

$500 

$500 

4

Additional Expenses

$50,000

$50,000

$100,000

5

Hospital Cash Allowance

$5,000

$5,000

$10,000

6

Accidental Death

$25,000

$25,000

$50,000

7

Permanent Disability

$25,000

$25,000

$50,000

8

Loss of Income

$10,400

$10,400

$20,800

9

Travel Documents, Credit Cards & Travellers Cheques

$5,000

$5,000

$10,000

10

Theft of Cash

$250

$250

$250

11

Luggage and Personal Effects

$7,500

$7,500

$15,000

12

Luggage and Personal Effects Delay Allowance

$250

$250

$500

13

Travel Delay Allowance

$2,000

$2,000

$4,000

14

Alternative Transport Expenses

$5,000

$5,000

$10,000

15

Personal Liability

$5 million

$5 million

$5 million

16

Rental Vehicle

$3,000

$3,000

$3,000

* Note all benefits and premiums are in Australian dollars. 


summary of benefits

This is only a summary of the benefits. Please read the product disclosure statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

1. Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

2. Overseas Emergency Medical Assistance – Nil Excess

Cover for emergency medical assistance including:

  • 24 Hour Emergency Medical Assistance
  • Ambulance
  • Medical Evacuations
  • Funeral Arrangements
  • Messages to family
  • Hospital Guarantees

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

3. Overseas Emergency Medical/Hospital/Dental Expenses

Cover for overseas medical treatment if you are injured or become sick overseas, including:

  • Medical
  • Hospital
  • Surgical
  • Nursing
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth - $500 limit

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

4. Additional Expenses – Nil Excess

Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:

  • Sickness
  • Accidental injury
  • Death

Also cover for Travelling Companion or Relative's accommodation and travel expense to travel to, stay near or escort you resulting from:

  • Hospitalisation
  • Medical Evacuation

Single/Duo Plan: $50,000
Family Plan: $100,000

5. Hospital Cash Allowance – Nil Excess

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours


Single/Duo Plan: $5,000   
Family Plan: $10,000

6. Accidental Death – Nil Excess

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury


Single/Duo Plan: $25,000
Family Plan: $50,000

7. Permanent Disability – Nil Excess

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey


Single/Duo Plan: $25,000
Family Plan: $50,000

8. Loss Of Income – Nil Excess

A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days


Single/Duo Plan: $10,400
Family Plan: $20,800

9. Travel Documents, Credit Cards & Travellers Cheques

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Credit Cards
  • Travel Documents
  • Travellers Cheques

Single/Duo Plan: $5,000
Family Plan: $10,000

10. Theft Of Cash

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

Single/Duo Plan: $250
Family Plan: $250

11. Luggage and Personal Effects (Additional Cover Options Available)

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Personal Computers
  • Cameras

Single/Duo Plan: $7,500
Family Plan: $15,000

12. Luggage and Personal Effects Delay Expenses – Nil Excess

Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours


Single/Duo Plan: $250
Family Plan: $500

13. Travel Delay Expenses – Nil Excess

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.


Single/Duo Plan: $2,000
Family Plan: $4,000

14. Alternative Transport Expenses – Nil Excess

Cover for additional travel expenses following transport delays to reach events such as:

  • Wedding
  • Funeral
  • Conference
  • Sporting Event
  • Pre-paid travel/tour arrangements

Single/Duo Plan: $5,000
Family Plan: $10,000

15. Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you


Single/Duo Plan: $5 million
Family Plan: $5 million

16. Rental Vehicle

Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being:

  • Stolen
  • Crashed
  • Damaged and/or cost of returning rental vehicle due to you being unfit

Single/Duo Plan: $3,000
Family Plan: $3,000

*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST