Essentials Plan

International Travel Insurance - Essentials Plan

 

Plan Benefits

Our Essentials Plan provides basic, cost-effective cover for your overseas trip.

Note: The Cancellation Fees & Lost Deposits* benefit is a benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the Product Disclosure Statement (PDS) 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 PDS.
Note: The amounts listed below are the maximum payable.

Section Benefit Single Duo [Per Person] Family
1.1* Overseas Emergency Assistance^ unlimited~ unlimited~ $unlimited~
1.1.1 f Funeral expenses incurred overseas or the cost of bringing your remains back to your home $15,000 [per person] $15,000 [per person] $15,000 [per person]
1.2* Overseas Emergency Medical and Hospital Expenses (includes emergency dental expenses resulting from an injury overseas)^ unlimited~ unlimited~ unlimited~
1.2.1 b Overseas Emergency Dental Expenses [per person] (for the relief of sudden and acute pain to sound and natural teeth) $1,000 $1,000 $1,000
2.1* Cancellation Fees and Lost Deposits $10,000 $10,000 $20,000
3.1* Additional Expenses $25,000 $25,000 $50,000
3.2* Travel Delay Expenses $2,000 (up to $200 per day) $2,000 (up to $200 per day) $4,000 (up to $200 per day)
3.4 Return Airfare^ $2,000 $2,000 $4,000
4.1* Luggage and Personal Effects $3,000 $3,000 $6,000
4.2* Luggage and Personal Effects Delay Allowance $250 $250 $500
5.1* Rental Vehicle Excess $3,000 $3,000 $6,000
6.1 Personal Liability $2.5 million $2.5 million $2.5 million
* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.
^ you do not have cover under these sections while travelling in Australia.
This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ~ Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section.

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.

*1.1 Overseas Emergency Assistance – Nil Excess

This benefit provides emergency assistance if you injure yourself, become sick or die while overseas. The benefit includes:

  • 24 Hour emergency medical assistance
  • Medical transfer or evacuation
  • Provision of written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas
  • Messages to family
  • The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.

For detailed information please refer to the Product Disclosure Statement.

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

1.2 Overseas Emergency Medical/Hospital/Dental Expenses*

This benefit covers overseas medical treatment if you are injured or become sick overseas. It includes:

    • Medical
    • Hospital
    • Surgical
    • Nursing
    • Dental - where resulting from an injury overseas

For detailed information please refer to the Product Disclosure Statement.

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

1.2.1 b Overseas Emergency Dental Expenses (per person). (for the relief of sudden and acute pain to sound and natural teeth)*

The benefit provides cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth (not resulting from an injury overseas).

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $1,000.00
Family Plan: $1,000.00

2.1 Cancellation Fees and Lost Deposits*

This benefit provides cover for the non-refundable portion of prepaid travel and accommodation arrangements scheduled to be used during your journey, if your journey is cancelled, rescheduled or shortened due to circumstances neither expected nor intended by you or which are outside of your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Redundancy
  • Natural Disasters

For detailed information please refer to the Product Disclosure Statement.

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

3.1 Additional Expenses*

This benefit provides cover for the reimbursement of:

  • The cost of reasonable additional accommodation and travel expenses incurred due to you or your travelling companion being certified unfit to travel resulting from sickness or injury
  • Your travelling companion's or relative's reasonable accommodation and travel expenses to travel to, stay near or escort you following your hospitalisation due to serious injury or sickness
  • The reasonable cost of returning to Australia due to the sickness or injury of you or your travelling companion or due to the death or hospitalisation of a relative

For detailed information please refer to the Product Disclosure Statement.

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

3.2 Travel Delay Expenses*

This benefit provides cover for reasonable additional meals and accommodation expenses (after an initial six-hour delay) if your journey is delayed due to circumstances beyond your control.

For detailed information please refer to the Product Disclosure Statement.

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

3.4 Return Airfare

This benefit covers the costs of your original airline ticket (less any refund that is due to you) if you are injured or become sick during your journey and your approved attending medical adviser requires you to be brought back to your home with a medical escort, if:

  • There are more than give days, or 25% of the journey, whichever is the greater, left to go; or
  • You have been confined to hospital for more than 25% of the journey

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $3,000
Family Plan: $6,000

4.1 Luggage and Personal Effects (Additional Cover Options Available)*

This benefit covers the lesser of the depreciated value, repair or replacement cost (up to the original purchase price) of luggage and personal effects which are stolen, lost or accidentally damaged, including:

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

There are limits on individual items

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $10,000
Family Plan: $20,000

4.2 Luggage and Personal Effects Delay Expenses – Nil Excess*

This benefit provides reimbursement for the reasonable costs you incur purchasing essential items of clothing and other personal items if your luggage and personal effects are delayed, misdirected or misplaced by your carrier for more than 12 hours.

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $500
Family Plan: $1,000

5.1 Rental Vehicle Excess*

This benefit provides cover for:

  • The excess, deductible or liability fee specified in your rental agreement, or the cost of property damage for which you are liable, whichever is the lesser, resulting from your rental vehicle being stolen, crashed or damaged.
  • The cost of returning your rental vehicle due to you being medically certified unfit to do so. Sub-limit applies.

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $3,000
Family Plan: $6,000

6.1 Personal Liability

This benefit provides cover for your legal liability to pay compensation, and your reasonable legal expenses, resulting from death or bodily injury to someone else, or physical loss of or damage to the property of other persons.

For detailed information please refer to the Product Disclosure Statement.

Single/Duo Plan: $2.5 million
Family Plan: $2.5 million

IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST