We've got you covered

We want people to go, explore the world, and return home safely without ever having needed to call us. But TID gets to see all kinds of unexpected things that happen to people overseas, every single day so our policy is designed to cover such events, making it helpful easy and great value.

Each plan has different policy benefits. You can compare the benefits in the table below. Like all travel insurance policies they don't cover everything. You should read the PDS carefully to ensure you select the cover that is best for you.

You're covered for

43 Pre-existing Medical Conditions

100 Sports Activities Covered

Going on a cruise?

Phones, Laptops & Cameras

Motorbikes & Scooters

Children go for free

  • You need Medical Help

    for Sudden Illness, including unexpected issues relating to 43 Pre-existing Medical Conditions.

    The Works

    Unlimited

    The Basics

    $5,000,000

    Overseas Medical Expenses including hospitals, ambulance, doctors and evacuation for up to a year after the sudden illness first appeared, and repatriation home if required.

  • You are in an Accident

    and sustain a Serious Injury.

    The Works

    Unlimited

    The Basics

    $5,000,000

    Overseas Medical Expenses including hospitals, ambulance, doctors and evacuation for up to a year after the serious injury first appeared, and repatriation home if required.

  • You need Medical Evacuation

    due to Sudden Illness or Serious Injury.

    The Works

    Unlimited

    The Basics

    $500,000

    Medical Evacuation to the nearest appropriate medical facility, or repatriation home, for up to a year after first onset of a sudden illness or the serious injury.

  • You have to cancel your trip

    due to unforeseeable events outside of your control (e.g. Sudden Illness).

    The Works

    Unlimited

    The Basics

    $3,000

    Cancellation costs (e.g. loss of deposit).

  • Your Flight is cancelled or delayed

    due to bad weather, natural disaster, riot, hijacking, strike or civil commotion.

    The Works

    Unlimited

    The Basics

    $500,000

    Additional Expenses (e.g. additional accommodation expenses).

  • Your Passport or Travel Documents

    are lost or stolen.

    The Works

    $2,000

    The Basics

    $2,000

    For reasonable costs overseas for the replacement documents.

  • Your Luggage & personal effects

    are stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

    The Works

    $12,000

    The Basics

    $3,000

    Luggage items are covered up to $700 per item; higher limits apply for laptops, tablets and cameras and where an item is specified for an additional premium.

  • You have to return home early

    due to unforeseeable events outside of your control (e.g. a close relative is hospitalised due to Serious Injury; or your home is destroyed by fire).

    The Works

    Unlimited

    The Basics

    $500,000

    Additional Expenses (e.g. additional travel expenses).

  • You have to pay Rental Car Insurance Excess

    when your Rental Vehicle is in an accident, is damaged or stolen.

    The Works

    $4,000

    The Basics

    No cover

    For some plans there is an option to increase the rental vehicle insurance excess.

  • Your Credit Cards

    are lost, stolen or used fraudulently.

    The Works

    $2,000

    The Basics

    No cover

    For financial loss you suffer.

  • You become Legally Liable

    when your negligence leads to injury or loss/damage to property of others (Personal Liability).

    The Works

    $2,500,000

    The Basics

    $1,000,000

    For amounts that you are legally liable for (i.e. compensation) as well as Reasonable legal costs.

  • A Natural Disaster

    means your flight or other pre-booked public transport is cancelled, delayed or rescheduled.

    The Works

    Unlimited

    The Basics

    $3,000

    Cancellation Costs (e.g. unused prepaid accommodation).

  • Bad Weather

    means your flight or other pre-booked public transport is cancelled, delayed or rescheduled.

    The Works

    Unlimited

    The Basics

    $3,000

    Cancellation Costs (e.g. unused prepaid accommodation).

  • Accidental Death

    whilst on your Trip due to Serious Injury.

    The Works

    $25,000

    The Basics

    $25,000

    If your death is a direct result of an Accidental Injury on your trip, we will pay your eligible benefit to your estate. Also, we'll repatriate your remains to Australia or pay for local burial or cremation overseas up to $12,000.

  • You incur a Loss of Income

    due to an Accidental Injury on your Trip.

    The Works

    $9,000

    The Basics

    No cover

    Towards your income.

  • You suffer a Total Permanent Disability

    due to an Accidental Injury on your Trip.

    The Works

    $12,500

    The Basics

    $12,500

    We will pay your eligible benefit.

  • Your bags are Delayed

    by the airline or other Carrier.

    The Works

    $500

    The Basics

    $500

    For essential items to tide you over until your baggage arrives

  • Your Travel Is Delayed

    for Operational Reasons (e.g. if the Airline delays your flight due to mechanical reasons).

    The Works

    $2,000

    The Basics

    No cover

    For any Reasonable additional meals and accomodation; or refund of pre-paid travel arrangements.

  • You go skiing or snowboarding

    If you are skiing, snowboarding or participating in any snow sports you must add this option to be covered by the Policy including Medical, Cancellation and Additional Expenses.

    The Works

    Optional

    The Basics

    Optional

    • $1,000 piste closure
    • $1,000 pre-paid costs
    • $1,500 equipment replacement
    • $2,000 hire equipment

The product information contained on this page is a brief summary only. For full details of the benefits, terms, conditions, exclusions and limitations that apply please read the PDS available from us.

1. Where

2. When

3. Who

Your children go free
This means your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

You're covered with TID

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