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What you are covered for
The following is the maximum amount you are covered for under each section of the policy.
Benefits
| Single | Family | |
|---|---|---|
| Medical Expenses Incurred Overseas
Covers you for reasonable costs incurred due to bodily injury, illness or death during your trip, including your medical evacuation home if necessary. |
Unlimited | Unlimited |
| Cancellation Costs
Covers financial loss of prepaid deposits and payments in the event your trip is necessarily and unavoidably cancelled prior to departure due to unforeseen circumstances outside of your control. |
$1,500 | $3,000 |
| Additional Expenses
Expenses incurred due to you not being able to continue your trip due to the injury or illness of you or a member of your travelling party. Also expenses you incur if your transport is delayed due to severe weather or accident. |
Unlimited | Unlimited |
| Luggage and Personal Effects
Cover for accidental loss, delay, theft of or damage to your luggage and personal effects. Includes cover for emergency replacement or temporary passport or visas obtained whilst abroad. |
$2,500 | $5,000 |
| Personal Liability
Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs. |
$1,000,000 | $1,000,000 |
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So what does all this mean?
Well, travel insurance can be confusing enough, so, to make things easier for you, here are some reasons why you might need each section of the policy.
Medical Expenses Incurred Overseas
This is one of the most important reasons for purchasing travel insurance as medical expenses overseas can get very expensive.
This section covers you for hospital or medical bills due to sudden illness or injury that you incur while you are travelling abroad. The hospital and medical cover of a policy stops upon your return to Australia.
If the accident, injury or illness is of a serious nature, the insurance covers the cost of your return back to Australia.
If you are repatriated during your trip and do not hold a return ticket, you will be required to reimburse the cost of the return ticket to us.
In addition, the services offered by our emergency assistance service can take the drama out of a crisis situation by dealing with local hospitals in their own languages and keeping your family informed.
Cancellation Costs
Costs following the cancellation of your trip can be not just annoying, but also expensive.
This benefit provides cover for lost deposits, frequent flyer points and cancellation fees for prepaid airfares and other travel arrangements cancelled due to unforeseen circumstances outside your control.
Additional Expenses
This section gives you cover for the reasonable and necessary additional travel and accommodation expenses you might incur due to a sudden illness or serious injury requiring your return to Australia. It also provides cover for additional travel and accommodation expenses you incur due to cancellation or restriction of scheduled public transport service caused by weather, natural disaster, or even road accident.
Luggage and Personal Effects
Your luggage and personal effects that you take with you as well as things that you may buy during your trip are covered. You are also covered for theft of cash as well as financial loss you suffer because of loss, theft, or fraudulent use, of your travel documents, travellers cheques, passport, or credit cards - after they have been accidentally lost or have been stolen.
There is a limit of $700 for individual items except for laptops, note books, handheld computers, cameras or video cameras, where the item limit is $1,500. Make sure however that you keep receipts in a safe place and, that you report the incident to authorities and get a written report for any stolen items within 24 hours of you becoming aware of the loss.
Personal Liability
Tourists can make mistakes and sometimes get sued in a foreign country. This section can protect against legal costs you might incur, which can be quite substantial.
An example of a claimable incident would be the costs of your defence if you accidentally tripped someone over and they were injured, or you fall against an expensive car and damage it.