All benefits

• Cancellation or holiday deferment costs

  Cancellation or holiday deferment costs

  Financial loss incurred due to unforeseen and unavoidable cancellation or rearrangement of pre-paid travel and accommodation arrangements. Includes sub-limits for agent’s cancellation fees charged. Increase the trip limit on the Options page. Excludes Coronavirus (refer to Coronavirus travel costs for available cover).
  Unlimited
• Agents cancellation fees sub-limit

  Agents cancellation fees sub-limit

  The non-refundable portion of your pre-paid travel arrangements and cancellation fees charged by your travel agent.
  $2,000
• Emergency travel arrangements and accommodation expenses

  Emergency travel arrangements and accommodation expenses

  Travel and accommodation costs associated with an unplanned interruption to your trip after it has begun. Includes sub-limits for meals and emergency internet and telephone calls.
  Unlimited
• Meals sub-limit

  Meals sub-limit

  Limit for the cost of reasonable additional meals; $75 per 24 hours.
  $500
• Emergency internet and telephone sub-limit

  Emergency internet and telephone sub-limit

  Limit for the cost of reasonable additional internet use and emergency telephone calls.
  $250
• Post-hospital accommodation

  Post-hospital accommodation

  Cover if you are hospitalised overseas for more than 48 hours because of an illness or injury, and need accommodation to recover from your illness or injury after you leave hospital. Daily limit of $100.
  $500
• Coronavirus travel costs

  Coronavirus travel costs

  This benefit covers you for eight specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus.
  $2,500
• Overseas medical expenses

  Overseas medical expenses

  Emergency medical, hospital and ambulance expenses arising from your death or your new illness (including coronavirus) or injury, specified medical condition, or 'automatically covered condition'. Includes a sub-limit for illness or injury – emergency travel expenses for a friend or relative.
  Unlimited
• Dental expenses due to sudden and acute pain

  Dental expenses due to sudden and acute pain

  Emergency dental treatment for an infected or broken tooth to alleviate sudden and acute pain.
  $1,000
• Medical evacuation and repatriation

  Medical evacuation and repatriation

  Necessary transport and accommodation expenses for medical evacuation or repatriation that you undertake during your trip with our prior consent, based on reasonable recommendation of a medical practitioner appointed by us; including if you contract coronavirus during your trip.
  Unlimited
• Hospital compensation

  Hospital compensation

  This benefit will provide cover if you are hospitalised overseas for more than 48 continuous hours, because of an illness or injury which first happened while you were outside Australia on your trip. Limit $50 per 24 hours.
  $8,000
• Emergency travel expenses for a friend or relative sub-limit

  Emergency travel expenses for a friend or relative sub-limit

  Costs for a return economy class airfare and reasonable accommodation for a friend or relative to travel directly to you, if you are hospitalised with a sudden, life threatening injury or illness during your trip.
  $20,000
• Home services sub-limit

  Home services sub-limit

  Costs for necessary home services provided by a registered home services business if you have been repatriated to your home in Australia by us during your trip and your illness or injury restricts your ability to perform these duties.
  $500
• Travel delay

  Travel delay

  Where your scheduled pre-paid transport is delayed, we will pay up to $250 every 24 hours for: additional accommodation, meals and rearranging your travel arrangements to resume your pre-paid arrangements, after the first 6 hours of the delay. No excess applies.
  $2,000
• Missed connection – special events

  Missed connection – special events

  Additional public transport expenses to get to a pre-arranged wedding, funeral, conference, sporting event or concert.
  $2,000
• Resumption of trip

  Resumption of trip

  Transport costs paid to resume your original trip after returning to Australia, if you had more than 25% of the duration of your trip left, at the time of the hospitalisation or death of a close relative during your trip.
  $3,000
• Emergency accommodation due to terrorism

  Emergency accommodation due to terrorism

  Costs for necessary emergency accommodation if your trip is interrupted due to a terrorist act. Limit to $300 per day.
  $3,000
• Emergency expenses to avoid disaster

  Emergency expenses to avoid disaster

  Costs for reasonable additional travel arrangements you make within 48 hours of a public warning being issued in the mass media of severe weather, natural disaster, riot, strike or civil insurrection that is likely/expected to directly impact your travel arrangements.
  $1,000
• Early return home

  Early return home

  Costs to return you to the nearest practical accommodation to your home in Australia in the event that your residence or business premises in Australia has been destroyed or rendered insecure due to a natural disaster, fire or malicious damage.
  $2,000
• Rental vehicle insurance excess

  Rental vehicle insurance excess

  When your hire car is stolen, damaged in an accident, storm or fire, we pay up to your chosen limit for any excess you may be liable for from the hire company.
  $6,000
• Return of rental vehicle

  Return of rental vehicle

  Costs of returning your rental vehicle to the nearest depot, including airport concession charges, if due to a claimable event covered by any section you are unable to do so.
  $750
• Luggage and personal effects

  Luggage and personal effects

  Cover for accidental loss, theft of or damage to your luggage and personal effects, up to the sub-limits and item limits shown below. We apply depreciation for age and wear unless you add them as a Specified Item on the Options page.
  $12,000
• Personal computer, camera, video item limit

  Personal computer, camera, video item limit

  Item limit for a lost, stolen or damaged laptop computer, tablet or camera equipment.
  $4,000
• Smartphone item limit

  Smartphone item limit

  Item limit for a lost, stolen or damaged smartphone.
  $700
• Other individual item limit

  Other individual item limit

  Item limit for all other non-specified items of luggage.
  $700
• Hiring replacement golf and surf equipment

  Hiring replacement golf and surf equipment

  Cost of hiring replacement golf or surf equipment if your equipment is accidentally lost, delayed or damaged during your trip.
  $200
• Emergency luggage

  Emergency luggage

  Reimbursement for essential items such as clothing, toiletries and personal requisites if your accompanied luggage is delayed, misdirected or temporarily misplaced by the carrier over 10 hours. No excess applies.
  $500
• Stolen cash

  Stolen cash

  Cover for theft of cash, provided a police report is obtained confirming the theft.
  $250
• Replacement passports and travel documents

  Replacement passports and travel documents

  Costs of replacing your passport or travel documents when they are lost, stolen or damaged on your overseas trip.
  $3,000
• Fraudulent use of credit or debit cards

  Fraudulent use of credit or debit cards

  Cover for the fraudulent use of your credit or debit card if it was accidentally lost, stolen or skimmed during your trip.
  $3,000
• Accidental death

  Accidental death

  A benefit that is payable to your estate if you die within 12 months of an injury that occurred during your trip. No excess applies.
  $25,000
• Accompanying children sub-limit

  Accompanying children sub-limit

  A benefit that is payable to the estate if an accompanying child dies within 12 months of an injury that occurred during your trip. No excess applies.
  Unlimited
• Funeral expenses overseas

  Funeral expenses overseas

  Costs of your burial or cremation overseas if you die during the trip.
  $25,000
• Total permanent disability

  Total permanent disability

  We will pay up to the per person limit if you are injured during your trip and suffer total permanent disability. No excess applies.
  $12,500
• Loss of income

  Loss of income

  Cover if you cannot return to your usual place of employment or take up an offer of employment in Australia within 30 days of an injury you suffer during your trip. A maximum monthly limit applies.
  $10,000
• Personal liability

  Personal liability

  Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
  $2,500,000