What is comprehensive travel insurance?
The Works is our highest level of cover and is designed for travellers who want absolute peace of mind when they’re on holiday. It's our most popular plan, we've designed it to really let you focus on the fun. The cover available has higher benefit amounts and includes rental vehicle insurance excess. The Works covers single and return trips only, not annual multiple trips.
What is TID’s comprehensive travel insurance plan?
The Works plan is designed for travellers who want to have the highest level of cover when on holiday. It's our most popular plan; we've designed it to really let you focus on the fun.
- Why should I consider The Works travel insurance plan?
- Travel tips for Australian travellers
- Feel like giving back to a place, community or project while travelling?
- FAQs
- Need a hand?
| Comprehensive Overseas Insurance (The Works)# | Budget Overseas Insurance (The Basics)# | Domestic# | Annual Multi trip# | |
|---|---|---|---|---|
| Medical Expenses Overseas (including Coronavirus)^ | Unlimited | Unlimited | Not available | Unlimited |
| Cancellation Costs | $2,000with option to increase | $1,500with option to increase | $2,000with option to increase | $2,000with option to increase |
| Additional Expenses / Medical Evacuation | Unlimited | $250,000 | $50,000 | Unlimited |
| Personal Liability | $2,500,000 | $1,000,000 | $300,000 | $2,500,000 |
| Luggage and Personal Effects | $12,000 | $2,000 | $4,000 | $12,000 |
| Rental Vehicle Insurance Excess | $6,000 | $6,000 | $6,000 | $6,000 |
| Coronavirus Travel Costs | $2,500 | Not available | $2,500 | $2,500 |
| Get a quote | Get a quote | Get a quote | Get a quote | |
| ^Up to one year from the date of injury or illness. Subject to all terms and conditions for existing medical conditions.#Benefit limits are for a single plan.Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read our PDS. | ||||
The Works plan offers coverage for a wide range of scenarios. Here's what it includes:
If you suddenly fall ill or suffer an injury overseas, this plan covers unlimited medical expenses, including hospitalisation.
If you need to cancel or delay your trip due to unexpected events, such as illness or natural disasters, available coverage starts from AUD$2,000, with the option to increase the limit. This will be shown on your Certificate of Insurance.
If you need medically necessary emergency transportation to a hospital or back to Australia for treatment, the plan provides unlimited cover for evacuation and related expenses. You must have our consent to evacuate or repatriate you.
Accidents happen, and if you unintentionally cause injury or property damage while travelling, the plan provides up to AUD$2,500,000 in legal liability coverage. Terms and conditions apply.
Lost your suitcase? Had your phone stolen? The plan covers a maximum of AUD$12,000 for stolen, lost, or damaged belongings. Emergency luggage for essential items available if your accompanying suitcase is delayed.
Hiring a car? If it gets damaged or stolen, this plan covers up to AUD$6,000 in rental vehicle excess costs, saving you from unexpected expenses.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
Why should I consider The Works travel insurance plan?
Many travellers believe they don’t need travel insurance—until something goes wrong. Here’s why you should consider TID's The Works travel insurance:
- Medical emergencies overseas can be expensive. A hospital stay in the U.S. can cost thousands per day.
- Airlines and hotels may not refund last-minute cancellations. Having travel insurance could mean you don’t lose all your money.
- Theft and lost luggage happen. Replacing lost or stolen valuables can be costly and frustrating.
- Rental car accidents can lead to hefty excess fees. Insurance may help cover those unexpected costs.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
Consider the TMD and PDS available from us to determine if the product is right for you.
Get a quoteTravel tips for Australian travellers
- Check government travel advisories. Visit Smartraveller before booking your trip.
- Keep digital copies of important documents. Store copies of your passport, insurance policy, and emergency contacts.
- Beware of scams. Research common scams in your destination to avoid being tricked.
- Use a money belt or RFID wallet. Keep your cash and cards secure from pickpockets.
- Understand your policy. Know what your travel insurance covers before you travel.
Feel like giving back to a place, community or project while travelling?
TID has partnered with the Footprint Network to allow travellers to make a microdonation to a cause. Join over 200,00 travellers who have already donated to a unique project! To find out more check out our Travel for Change page.
Comprehensive travel insurance FAQs
Can I buy travel insurance after booking my trip?
Yes, you can buy travel insurance once you’re already travelling, but buying travel insurance as soon as you book gives you cancellation protection in case you need to cancel due to unexpected events.
If you do buy travel insurance while already travelling, please note that there is a 72-hour waiting period from the time your Certificate of Insurance is issued.
The exception is if you're injured in an accident, in which case even if the 72 hours haven't yet passed cover as per the conditions of overseas medical expenses and medical evacuation and repatriation will begin from the time of the accident for that injury.
ver 200,00 travellers who have already donated to a unique project! To find out more check out our Travel for Change page.
What should I do if I need to make a claim?
You can submit your claim online through your account. Keep all receipts, medical reports, and supporting documents for a smooth claims process.
Can I extend my travel insurance while overseas?
Yes, you may extend your policy while abroad, but terms and conditions apply. It’s best to check with us before your policy expires.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.
Need a hand?
As soon as you book your tickets you should be booking travel insurance to make sure you’re covered in the lead-up to, and during your trip. Start by getting a quote below.