Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan.
Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while travelling overseas.
Having travel insurance means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs.
We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions.
It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re travelling.
But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged.
Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.
Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip.
This includes your passport, travellers cheques, and visas.
You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.
Travel delays are an unfortunate reality these days.
There are many causes, but the number of global delays per day can often be as high as the tens of thousands.
If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses.
Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.
Some travellers prefer to hire a car on holiday for the additional freedom.
However if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess.
We will reimburse the rental car insurance excess, if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.
Please note rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.
We hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel.
An insurance policy which includes cancellation cover will mean you are reimbursed for the cost of flights, accommodation, visas and paid for excursions or activities, in the event that you need to cancel your travel plans due to injury, unforeseen illness overseas, or because of other reasons that are outlined in the PDS.
We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation.