What TID Covers

We want you to explore the world and return home safely. But when the unexpected happens, our policies are designed to cover you.
medic box

Overseas Medical

cancellation

Cancellation Cover

special events

Special Events Coverage

cruise ship

Phones, Laptops & Cameras

car

Rental Vehicle Insurance Excess

cruise ship

Luggage & Personal Effects

We offer 4 plans with 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 policy wording carefully to ensure you select the cover that is best for you.

Note that Comprehensive coverage includes both The Works international, and the Annual Multi Trip plans

Medical Expenses Overseas^

Cover if you need medical help overseas for sudden illness, including hospitals, ambulance and doctors for up to a year after the sudden illness first occurred, and repatriation to Australia if required. For more information on Medical Travel Insurance click here. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles. ^Up to one year.

Comprehensive

Unlimited

The Basics

$5,000,000

Domestic

N/A

Additional Expenses / Medical Evacuation

Medical evacuation by road or air to the nearest appropriate medical facility, including repatriation to Australia.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

Unlimited

The Basics

$500,000

Domestic

$10,000

Cancellation Costs

Cover if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness). For more information on trip cancellation coverage click here. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

Unlimited

The Basics

$3,000

Domestic

$10,000

Personal Liability

Protection for you being legally liable for injuring other people or causing damage to their property, including reasonable legal defence costs. Sub-limits apply.

Note the benefit amount does not change for multiple adults.

Comprehensive

$2,500,000

The Basics

$1,000,000

Domestic

$1,000,000

Luggage & Personal Effects

Cover if your luggage and personal effects are stolen, permanently lost or accidentally damaged due to circumstances outside of your control. Sub-limits and depreciation applies. Additional cover is available by specifying your valuable items and paying an additional premium.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$12,000

The Basics

$3,000

Domestic

$4,000

Rental Vehicle Insurance Excess

If you hire a car on your trip and have an accident our insurance pays up to $4,000 of any excess you may be liable for from the hire company. You can choose to increase this to a maximum of $6,000 on the Options page.

Note the benefit amount does not change for multiple adults.

Comprehensive

$4,000

The Basics

N/A

Domestic

$4,000

Loss of Income

Cover if you cannot return to your usual full-time employment in Australia after 30 days due to an accidental injury suffered during your trip. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$9,000

The Basics

N/A

Domestic

N/A

Out of Pocket Expenses

Cover for out of pocket expenses if you are hospitalised overseas for more than 48 hours due to a sudden illness or serious injury sustained during your trip. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$6,000

The Basics

$6,000

Domestic

N/A

Travel Delay

Cover if your pre-paid scheduled transport is delayed, rescheduled or cancelled for reasons outside your control (including the airline delaying your flight for mechanical reasons) for reasonable additional meals and accommodation; and your unusable pre-paid travel arrangements. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$2,000

The Basics

N/A

Domestic

N/A

Return Airfare

Cover for the cost of your original flight ticket if you need to be brought back to Australia with a medical escort because of an illness or injury that happens during your trip. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$6,000

The Basics

N/A

Domestic

N/A

Resuming Your Trip

Transport costs to resume your trip if you had to return to Australia due to the hospitalisation or death of a close relative who is not travelling with you. No excess applies.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$3,000

The Basics

N/A

Domestic

N/A

Special Events

Additional public transport expenses to get to a pre-arranged wedding, funeral, conference or prepaid sporting event, concert or music festival, or back to work in Australia on time. No excess applies.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$2,000

The Basics

N/A

Domestic

N/A

Withdrawal of Services

Cover if the services at your accommodation are unforeseeably withdrawn, such as the water and electrical facilities to your room. Sub-limits apply.

Note the benefit amount does not change for multiple adults.

Comprehensive

$500

The Basics

N/A

Domestic

N/A

Accidental Death

Cover if you die as a direct result of an accidental injury on your trip. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$25,000

The Basics

$25,000

Domestic

$10,000

Total Permanent Disability

Cover if you suffer an injury resulting in your permanent total loss of sight in one or both eyes, or the permanent total loss of use of one or more limbs. Sub-limits apply.

Note that if 2 adults are travelling on one policy the maximum benefit amount doubles.

Comprehensive

$12,500

The Basics

$12,500

Domestic

N/A

Snow Sports & Activities Option

If you are skiing, snowboarding or participating in any other snow sports that we can cover, you must add this option to be covered for overseas medical, cancellation and additional expenses. To learn more about Insurance for Snow Sports click here. Sub-limits apply, including:

Note that if 2 adults are travelling on one policy the maximum benefit amounts below double.

Piste Closure

Cover for when the skiing facilities at the resort you have pre-booked before your trip commences and that you are staying in, are totally closed due to adverse snow conditions.

Comprehensive

$1,000

The Basics

$1,000

Domestic

$1,000

Snow Skiing Pre-paid Costs

Cover for pre-paid ski equipment hire, lift passes, and ski-school costs if, during your trip, you are prevented from skiing for more than 24 hours following your sudden illness or serious injury sustained during your trip.

Comprehensive

$1,000

The Basics

$1,000

Domestic

$1,000

Snow Skiing Equipment Replacement

Cover for the cost of hiring alternative ski equipment when your ski equipment is accidentally damaged, stolen, permanently lost, or misdirected.

Comprehensive

$1,500

The Basics

$1,500

Domestic

$1,500

Hired Snow Skiing Equipment

Cover for accidental damaged, theft, or permanently loss of hired snow skiing equipment. Sub-limits apply

Comprehensive

$2,000

The Basics

$2,000

Domestic

$2,000

Business Travel

We cover you for business equipment that has been stolen, lost or damaged due to circumstances outside of your control. You only have this cover if you choose the Annual Multi Trip plan. Sub-limits apply

Note the benefit amount does not change for multiple adults.

Available for Annual Multi Trip Only

$5,000 to replace or repair business equipment

$1,000 to hire alternative business equipment

$1,000 to re-create or replace business documents

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the policy wording before purchasing

What else can my travel insurance cover?

motorbike

Motorcycle Coverage

You'll need to be licenced to ride a motorcycle of the same class in Australia and hold a valid licence for the country you are in.

Learn more

activities

Sports & Activities

Whether you’re cycling in Provence, or surfing in Bali, we cover a range of sports and activities.

Learn more

cruise ship

Cruises

Ahoy there! Our policies cover your cruising holiday at no extra cost.

Learn more


We don’t cover everything though, so it’s important you understand the policy exclusions and read the Product Disclosure Statement.

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