Holiday Insurance Cover

For your convenience we have introduced the main sections of the policy but this does not describe all of the cover or replace the need for you to READ THE Combined Financial Services Guide and Product Disclosure Statement CAREFULLY before you decide if the product is right for you.

Hospitals & medical

These sections of the policy wording cover hospital or medical bills that you incur while you are travelling outside of Australia. The hospital and medical cover of a policy stops when you return home. If the accident, injury or illness is of a serious nature the insurance covers the cost of your return home (often using the commercial airlines or in extreme cases using a network of private medical evacuation aircraft.)

We feel that without a doubt this is the most important reason for buying travel insurance. Overseas medical bills frequently run into tens of thousands of dollars. In addition, the services offered by our medical desk can take the drama out of a crisis situation by dealing with local hospitals in their own languages and keeping friends and families informed.

Baggage

This can't be made much simpler. This section covers loss or damage to your luggage and personal effects while you are travelling.

Complaints to travel insurers across the industry represent a good proportion of the entire complaints against insurance companies. Take reasonable care of your stuff when you are travelling and always read the Combined Financial Services Guide and Product Disclosure Statement before you buy travel insurance and understand what you are covered for.

If in doubt, ask us.

Cancellation & curtailment

Cancellation & curtailment covers your financial loss if you have to cancel or cut short your trip under certain circumstances. For example, you break your leg a week before a skiing trip or you have to return home mid way through a trip to attend to a sick child.

Personal Liability

Tourists make mistakes and sometimes get sued in a foreign country. The liability section can protect your legal costs (which can be substantial). Examples of incidents covered would be the costs of your defence if you accidentally tripped someone over and they were injured, you fall against an expensive car and damage it, or you kids accidentally break a Fabergé egg in that quaint European stately home.