You're covered with TID

Here at TID we love to travel too.

There are some things we just can't cover

It's important to be aware that all travel insurance has 'exclusions' - things you won't be covered for, but what does all this really mean?

All insurance policies have exclusions. Unlike other insurers though, we want to highlight some of the things you probably won't be covered for. If you are still in doubt, please don't hesitate to ask us a question.

  • Come on, don't be silly.

    Look, riding a Harley overseas when you are drunk, high and don't have a helmet probably isn't the brightest thing to do. Leaping off a third floor balcony into the pool below might seem like a fun thing to do when you are 18 and overseas, except when you miss!

    Neither of these events would be covered, even though there might be a travel insurance policy in place.

    Insurance is there to cover things that may happen, not things that most probably will. Motorcycles are bad enough - throw in drink, drugs and no helmet, and you're almost guaranteed a trip to the hospital. The same goes for jumping from third floor balconies.

    We witness enough tragedies as it is, so PLEASE think about your personal safety, your experience and your limits when you travel. It doesn't matter whether you are 19 and it's your first trip overseas or 59 and have seen half the world, don't do things that are plain stupid.

    We are here to look out for you so if you are unsure, email us info@tid.com.au aout where you are going, and we'll help you about what to look out for and what to avoid.

  • Alcohol is dangerous. Even on holiday.

    In many parts of the world, it isn't muggers you've got to worry about: crossing a street in Hanoi is hard enough when you are stone-cold sober and have your wits about you, but after a bottle of wine or a beer or two your judgement is impaired, sometimes with serious consequences. If something happens and alcohol is factor, any claim is likely to be denied.

    It happens.

    From being hit by a Tuk-Tuk to people stumbling off cliffs, people have accidents more often after alcohol.

    Yes, we know that most people enjoy a drink while on holiday but you aren't covered for any claim where alcohol is a factor.

  • Some people want to take your stuff. So take care.

    A good way to think about this is to ask yourself whether you'd behave this way if you didn't have travel insurance?

    So, you left your iPhone on a table in a bar while you went to the toilet and it wasn't there when you returned. Or you put you bag down beside your chair in a restaurant and it gets stolen. Yep, same as in Australia. Happens all the time. Are you really surprised? If that happens in Australia why be surprised when that also happens in some country where the average daily wage is often less than $100?

    You aren't covered if you leave items unsupervised in a public place and they get stolen, and this can mean anything from a beach, to an airport or an art gallery, to a hotel lobby.

    It is your responsibility to take reasonable care of your belongings when you travel. We'll take care of the rest.

  • Thongs, shorts and motorcycles really don't mix.

    Firstly, while the idea might seem appealing, if you have absolutely no training and no experience at handling a two-wheeled machine at home, what makes you think you'll magically acquire those skills in a foreign country, where the roads are shoddy, the vehicles dodgy, and the congestion is mind-boggling?

    Secondly, while thousands of visitors each year rent a motorcycle or scooter and ride around Southeast Asia totally unlicensed, if you don't have a proper license and have a crash it's pretty straightforward; you're riding illegally and you're not covered.

  • Some experiences we just don't cover

    While there are lots of fun and exciting things to do overseas, like parachuting, if you deliberately put your life in danger or don't take reasonable care then you won't be covered.

    In fact we don't cover most high-risk activities be they in the air (Parachuting, Skydiving, Hang Gliding), on the snow (Bobsleighing, Snowrafting, Ski Acrobatics, Skijoring, Power Assisted Skiing, Ice Hockey and Ice Climbing), or on solid rock (Mountaineering or Rock Climbing using support ropes).

    That's not to say don't do them - but we can't cover you for these activities.

  • What if I'm pregnant?

    Congratulations! Before setting off on a babymoon ensure you get the tick of approval from your doctor. The TID policy won't cover childbirth overseas, even if it is premature, nor are you covered for pregnancy or related complications if you travel after 26 weeks, so don't plan to travel in the last trimester. Unfortunately we don't offer coverage for multiple pregnancies (i.e. twins or more) after 19 weeks, or for pregnancies arising from IVF or other assisted reproductive programs.

  • Should I still travel?

    We all look forward to our own travel plans, but occasionally circumstances conspire to throw these plans into disarray. The Australian Government provides good free travel advice - check their advice on where you are going before you leave, and listen to it.

    If they advise DO NOT TRAVEL to a country (e.g. Somalia anyone?) or even to a region or part of a country (like the Thai - Malaysian border), and you choose to ignore that advice, you do so at your peril. You won't be covered if you go there and anything happens to you.

    Equally if you decide for whatever reason that your chosen destination no longer sounds like the sort of place you want to visit but there isn't an Australian Government DO NOT TRAVEL warning to that country or region, you aren't covered for cancellation costs simply because you've changed your mind.

    For example, a while ago, an earthquake in the Tohoku region of Japan had a DO NOT TRAVEL warning for that region, and you wouldn't be covered if you did go there. But if you had planned a holiday to Osaka and wanted to cancel that because you felt uncomfortable about your safety, then you aren't covered for cancellation costs.

    We are here to look out for you so if you are unsure, email us info@tid.com.au with where you are going, and we'll help you with what to look out for and what to avoid.

  • When should I stay off the streets?

    From yet another coup in Thailand to student protests in China, riots and civil unrest are dangerous. Wandering around streets full of excited people or when grenades are being thrown around (true story) really isn't a good idea, and you're probably not covered if you could have reasonably avoided the unrest. You definitely aren't covered if you take part and get hurt.

    Interesting as it might be, if you find yourself in this situation, get off the streets and contact us for advice about what to do next.

  • Don't take home more than you bargained for

    If you meet a 'friend' to engage in sexual activity and as a result wake up in the morning with no bag, passport and a headache, it could still get a whole lot worse. Not only do we not cover claims arising from Sexually Transmitted Diseases (STDs) but you could die from any number of infections.

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 the 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 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 occurred, 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 occurred, 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 accommodation; or refund of pre-paid travel arrangements.

  • Your business equipment

    is stolen, lost or damaged due to circumstances outside of your control.

    The Works

    No cover

    The Basics

    No cover

    $5,000 business equipment
    $1,000 hire business equipment
    $1,000 re-create business documents

  • 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

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