Multi-Trip plan

International Travel Insurance - Multi-Trip Plan

 

Plan Benefits

Our Multi-Trip Plan covers you for unlimited journeys within a 12 month period subject to each journey being within the maximum trip duration you select.

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 Limit
1.1* Overseas Emergency Assistance^ unlimited~
1.1.1 f Funeral expenses incurred overseas or the cost of bringing your remains back to your home $15,000 [per person]
1.2* Overseas Emergency Medical and Hospital Expenses (includes emergency dental expenses resulting from an injury overseas)^ 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
1.3* Accidental Death $25,000
1.4* Permanent Disability^ $25,000 (up to $50 per day)
1.5* Hospital Cash Allowance^ $5,000
1.6* Loss of Income^ $10,400 (up to $400 per week)
2.1* Cancellation Fees and Lost Deposits as set out in the PDS
3.1* Additional Expenses $50,000
3.2* Travel Delay Expenses $2,000 (up to $200 per week)
3.3 Alternative Transport Expenses^ $5,000
3.4 Return Airfare^ $3,000
3.5* Domestic Services^ $500
4.1* Luggage and Personal Effects $10,000
4.2* Luggage and Personal Effects Delay Allowance $500
4.3 Travel Documents, Transaction Cards & Travellers Cheques^ $5,000
4.4 Theft of Cash $250
5.1* Rental Vehicle Excess $3,000
6.1 Personal Liability $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.

Additional Options - Snow Pack

Section Benefit Limit
7.1* Emergency Rescue^ ^^ $100,000#
7.2* Own Snow Sport Equipment^^ $2,000#
7.3 Snow Sport Equipment Hire^^ $2,000#
7.4 Snow Sport Pack^^ $1,000#
7.5* Piste Closure^^ $1,000# (up to $100 per day)
7.6 Bad Weather & Avalanche Closure^^ $1,000#

 

Additional Options - CruisePack

Section Benefit Limit
7.7 Medical cover while Cruising^^ (includes emergency dental expenses resulting from an injury overseas)
unlimited~*
7.7.1 b Overseas Emergency Dental Expenses [per person] (for the relief of sudden and acute pain to sound and natural teeth)
$1,000
7.7.1 f Funeral expenses incurred overseas or the cost of bringing your remains back to your home [per person] $15,000 [per person]
7.8* Evacuation Cover - Ship to Shore^^ unlimited~*
7.9* Cabin Confinement^^ $500 (up to $50 per day)
7.10 Pre-paid Shore Excursion Cancellation^^ $1,000
7.11 Formal Cruise Attire Lost or Damaged^^ $1,000
7.12 Formal Cruise Attire Delayed^^ $250
7.13* Marine Rescue Diversion^^ $500 (up to $100 per day)

 

* 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.

^^ you only have cover for these sections if the relevant Pack has been purchased.

# Please note that where one adult is shown as covered on the Certificate of Insurance, the benefit limit which will apply for this section will be the benefit limit for single cover for the Plan selected.

This additional option does not provide cover for claims under section 1.4 Permanent Disability or section 6.1 Personal Liability that arise from you participating in snow sport activities.An excess of $500 in addition to any standard excess, applies for all claims under the Overseas Emergency Medical and Hospital Expenses section and the Cancellation section if you purchase the Snow Pack option and your claim arises directly or indirectly from your participation in snow sport activities. You cannot pay to remove this excess.

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.

 

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

Plan Limit: 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.

Plan Limit: 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.

Plan Limit: $1,000.00

1.3 Accidental Death*

This benefit is payable if you die because of, and within 12 months of, an accidental bodily injury sustained during your journey.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $25,000

1.4 Permanent Disability*

This benefit is payable in the event of total loss of sight in one or both eyes or loss of use of a hand or foot because of, and within 12 months of, an injury sustained during your journey and the loss continues for at least 12 consecutive months and an appropriate medical specialist confirms it is beyond hope of improvment.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $25,000

1.5 Hospital Cash Allowance – Nil Excess*

This benefit pays an allowance per day (after the first 48 hours) if you are hospitalised for more than 48 continuous hours while you are overseas.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $5,000

1.6 Loss Of Income*

This benefit will pay you an amount per week for up to 26 continuous weeks, if during your journey you sustain an injury which requires medical treatment, and because of this injury you become disabled within 30 days and the disablement continues for more than 30 consecutive days after you return to Australia. You must be under the care of a medical adviser who certifies in writing that the disablement prevents you from gainful employment and as a result you lose all your income. This entitlement only starts from the 31st day after your return to Australia.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $10,400

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.

Plan Limit: 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.

Plan Limit: $50,000

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.

Plan Limit: $2,000

3.3 Alternative Transport Expenses

This benefit provides cover for reasonable additional travel expenses, following travel delays, to reach:

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

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $5,000

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 five 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.

Plan Limit: $3,000

3.5 Domestic Services – Nil Excess*

Cover where you are injured during your journey and become disabled as a result of the injury,
we will reimburse you up to $50 per day in respect of expenses incurred in the provision of housekeeping services that you are unable to perform yourself provided that:

  • the disablement continues after you return to your home; and
  • you have a medical certificate confirming your disablement and verifying the need for housekeeping services during the period of your disablement.

Plan Limit: $500

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.

Plan Limit: $10,000

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.

Plan Limit: $500

4.3 Travel Documents, Transaction Cards & Travellers Cheques

This benefit provides cover for the issuer’s fees for replacing travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Transaction Cards (Credit cards/debit cards/travel money cards)
  • Travel Documents
  • Travellers Cheques

The benefit also provides cover for any loss resulting from the fraudulent use of the lost or stolen cards or cheques, not covered by any guarantee given by the issuing bank or company, provided you have reported the loss, as set out in the Product Disclosure Statement, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $5,000

4.4 Theft Of Cash - Nil Excess

This benefit provides cover for the following items stolen from your person:

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

You must report the loss to the appropriate authority, as set out in the Product Disclosure Statement, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $250

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.

Plan Limit: $3,000

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.

Plan Limit: $2.5 million

7.1 Emergency Rescue

This benefit provides cover for the arrangement of emergency assistance if you injure yourself, become sick or die while participating in snow sport activities overseas. It includes:

  • 24-hour overseas emergency medical assistance
  • Overseas 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.

Plan Limit: $100,000

7.2 Own Snow Sport Equipment

This benefit provides cover for the lesser of the value, repair or replacement cost (up to the original purchase price) of snow sport equipment owned by you which is stolen, lost or accidentally damaged during your journey. You must report the loss to the appropriate authority, as set out in the PDS, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $2,000

7.3 Snow Sport Equipment Hire

This benefit provides cover for the costs of hiring alternative snow sport equipment following the accidental loss or theft of, or damage to, snow sport equipment owned by you:

  • for which a claim has been accepted by us under the section headed ‘Own Snow Sport Equipment’; or
  • because of the misdirection or delay (for a period of more than 24 hours) of snow sport equipment owned by you.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $2,000

7.4 Snow Sport Pack

This benefit provides cover for the irrecoverable cost of the unused portion of pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes that you are unable to use because of injury or sickness occurring during your journey.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $1,000

7.5 Piste Closure

If all lift systems in your pre-booked resort are closed for more than 24 hours due to insufficient snow, bad weather or power failure, this benefit will provide cover toward the cost of transport to the nearest operating resort or the cost of additional ski passes.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $1,000

7.6 Bad Weather & Avalanche Closure

This benefit provides cover for reasonable extra travel and accommodation expenses that you need to pay if your pre-booked outward or return journey is delayed for more than 12 hours (from your scheduled departure time) because of an avalanche or bad weather.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $1,000

Snow Pack:
This additional option does not provide cover for claims under section 1.4 Permanent Disability or section 6.1 Personal Liability that arise from you participating in snow sport activities.
An excess of $500, in addition to any standard excess, applies for all claims under sections 1.2 Overseas Emergency Medical & Hospital Expenses and 2.1 Cancellation Fees & Lost Deposits if you purchase this option and your claim arises directly from you participating in snow sport activities. You cannot pay to remove this excess.

7.7 Medical cover while Cruising

This benefit covers medical treatment onboard a cruise vessel if you are injured or become sick while cruising. It includes:

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

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: Unlimited~ Benefit

7.8 Evacuation Cover - Ship to Shore

This benefit provides for the arrangement of emergency assistance if you injure yourself, become sick or die while cruising. It includes:

  • 24-hour emergency medical assistance
  • Medical transfer or evacuation
  • Provision of written guarantees for payment of reasonable expenses for emergency hospitalisation while on a cruise vessel
  • 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.

Plan Limit: Unlimited~ Benefit

7.9 Cabin Confinement

This benefit pays an allowance for each period of 24 hours (for each day after the first 48 hours) if, as a result of injury or sickness during your journey, you are confined to your cabin or the cruise vessel’s hospital for a continuous period of more than 48 hours.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $500

7.10 Pre-paid Shore Excursion Cancellation

This benefit provides cover for your cancellation fees and lost deposits if you cannot participate in your pre-paid shore excursion(s) due to your confinement in your cabin or hospital bed in the cruise vessel's hospital.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $1,000

7.11 Formal Cruise Attire Lost or Damaged

This benefit provides cover for the lesser of the repair cost or replacement cost of your formal wear which, during the journey, is stolen, accidentally damaged or permanently lost. The maximum benefit payable is either the original purchase price or the limit shown in the Table of Benefits, whichever is the lesser. You must report the loss to the appropriate authority, as set out in the PDS, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $1,000

7.12 Formal Cruise Attire Delayed

This benefit provides cover for the reimbursement of your reasonable expenses if your formal wear is delayed, misdirected or misplaced for over 12 hours from the time you boarded the cruise vessel, and it is necessary to purchase or hire replacement formal wear.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $250

7.13 Marine Rescue Diversion

This benefit pays an allowance for each day (up to a maximum of five days) that your cruise vessel diverts from its scheduled course in order to affect a marine rescue in accordance with obligations under international conventions governing the Law of the Sea, and Search and Rescue.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $500

Funeral Expenses
This benefit provides cover for your reasonable funeral expenses incurred overseas, or the cost of bringing your remains back to Australia, if you die as a result of an injury or a sickness during your travel on a cruise vessel.

Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home.

For detailed information please refer to the Product Disclosure Statement.

Plan Limit: $15,000 [per person]

IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST