IMPORTANT POLICY INFORMATION
For Policies purchased before 15 September 2026 click here to find out more about your policy including the PDS and how to claim
What is comprehensive travel insurance?
Our highest level of cover for travel outside of Australia. It’s our most popular plan and is designed for travellers who want extra levels of coverage when they’re on holiday. The cover available has additional benefits, like cancellation, luggage, rental vehicle insurance excess and more. Comprehensive Travel Insurance covers single, return trips only - not multiple trips.
What does TID’s Comprehensive plan cover?
- ✓24/7 Overseas Emergency Assistance^
- ✓Overseas Medical and Hospital Expenses^
- ✓Funeral Expenses^
- ✓Accidental Death
- ✓Permanent Disability^#
- ✓Hospital Cash Allowance^*
- ✓Cancellation cover (adjustable limit)*†
- ✓Additional accommodation and travel expenses
- ✓Travel delay expenses*
- ✓Alternative transport expenses^
- ✓Lost, stolen or damaged luggage, personal effects and valuables*
- ✓Delayed luggage and personal effects
- ✓Replacement costs for travel documents (including passports), transaction cards or travellers cheques^
- ✓Theft of cash
- ✓Rental vehicle excess cover
- ✓Personal Liability#
PLUS
- ✓Pre-existing Medical Cover available upon application, approval and payment of applicable premium
- ✓Additional cover options available upon payment of applicable premium – Adventure activities, Snow Sports, Cruises or Increased Item Limits Cover
This is a summary of cover only and does not include the full terms, conditions, exclusions, limits and applicable sub-limits. Read the PDS before purchasing.
^You don't have cover under this benefit while travelling in Australia.
#You don't have cover under this benefit for claims arising from your participation in snow sport or adventure activities.
*Sub-limits apply; refer to the Policy Benefits section in the Product Disclosure Statement for details.
†A default limit for Cancellation is automatically included in your cover unless you make a selection. However, you can choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation.
Why should I consider TID’s Comprehensive travel insurance plan?
Many travellers believe they don’t need travel insurance - until something goes wrong. Here’s why you should consider our Comprehensive 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. If you need to cancel your trip for a covered reason, travel insurance may help cover non-refundable travel and accommodation expenses.
- 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, exclusions, limits and applicable sub-limits outlined in the Product Disclosure Statement.
Consider the TMD and PDS available from us to determine if the product is right for you.
Compare our plans
Travel 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.
Comprehensive travel insurance FAQs
TID’s comprehensive plan is available to travellers of all ages. We do have age restrictions on our Snow and Adventure Packs though – you’ll need to be under 75 at the time of purchase to buy these.
Yes. When you’re buying your comprehensive travel insurance policy, you’ll have the option to add additional cover for adventure activities, snow sports or ocean cruising. You’ll also be able to adjust your cancellation cover, as well as increase cover for high value items - like jewellery, cameras or mobile phones.
Ready to go?
As soon as you book your tickets you should consider booking travel insurance to cover you in the lead-up to, and during your trip. Start by getting a quote below.