Essentials Plan

International Travel Insurance - Essentials Plan


Plan Benefits

The Essentials Plan provides travel insurance for persons travelling internationally, including 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 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
1.2* Overseas Emergency Medical and Hospital Expenses^
- Emergency Dental Expenses [Per Person]
unlimited unlimited unlimited
$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 $2,000 $4,000
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.

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

Cover for emergency 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

1.2 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 - $1,000 limit

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

2.1 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: $10,000
Family Plan: $20,000

3.1 Additional Expenses

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: $25,000
Family Plan: $50,000

3.2 Travel Delay Expenses

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

3.4 Return Airfare

Cover for return travel costs, where the attending medical adviser, approved by us, requires you to be brought back to your home, and:

  • there are more than 5 days of the journey, or 25% of its length, whichever is the greater left to go; or
  • you have been confined to hospital overseas for more than 25% of the journey.

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

4.1 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
  • Mobile Phones
  • Personal Computers
  • Cameras

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

4.2 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

5.1 Rental Vehicle Excess

Cover for the excess payable on a Rental Vehicle 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: $6,000

6.1 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: $2.5 million
Family Plan: $2.5 million