Plan Benefits
Worldwide Travel

Please note the following meanings:
International - everywhere in the world excluding Australia
Worldwide - everywhere in the world including Australia

Worldwide Travel Insurance - flexible cover for Australians travelling internationally.

 International and Worldwide cover provides international medical travel insurance, including substantial medical & repatriation cover. When purchasing an annual multi-trip policy, your cover applies for multiple journeys over a year. The maximum period of cover for any one journey is 37 days for leisure travel and 90 days for business travel.

Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home (note that there is no cover for medical cost incurred within your Country of Residence).

As you complete your quote, you will be offered the opportunity to purchase additional cover for cancellation and/or personal belongings, effectively allowing you to tailor your travel insurance policy to cover the things that are important to you. Please select the appropriate boxes for any additions you would like to purchase.

The Combined PDS, FSG & Policy Wording details the full terms & conditions relating to comprehensive cover, be sure to read it before deciding if this is the right product for you.

This is a summary of benefits. Please read the Policy Wording carefully for the complete details of what "We will pay" and what "We will not pay". Importantly, please note that General Exclusions do apply as well as limits to the cover and these are set out in the Policy Wording.

Plan A -Comprehensive International Single Trip Plan B -Frequent Traveller Worldwide Multi Trip Plan E -Medical Only Single Trip
Plan F -Medical and Cancellation Single Trip Plan G -Medical and Luggage Single Trip Plan H -Medical, Cancellation and Luggage Single Trip Plan I -Medical Only Multi Trip Plan J -Medical and Cancellation Multi Trip Plan K -Medical and Luggage Multi Trip Plan L -Medical, Cancellation and Luggage Multi Trip
Section Benefit Single/Duo (per person) Family Single/Duo (per person)/ Family Single/Duo (per person)/ Family Single/Duo (per person) Family Single/Duo (per person) Family
*1 Cancellation Fees and Lost Deposits Unlimited Unlimited Unlimited   Unlimited     Unlimited Unlimited   Unlimited   Unlimited
*2 Overseas Emergency Medical Assistance Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
*3 Overseas Emergency Medical and Hospital Expenses Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Dental Expenses $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
*4 Additional Expenses $50,000 $50,000 $50,000                    
*5 Hospital Cash Allowance $5,000 $5,000 $5,000                    
*6 Accidental Death $25,000 $25,000 $25,000                    
*7 Permanent Disability $25,000 $25,000 $25,000                    
*8 Loss of Income $10,400 $10,400 $10,400                    
9 Travel Documents, Credit Cards and Travellers Cheques $5,000 $5,000 $5,000                    
10 Theft of Cash $250 $250 $250                    
*11 Luggage and Personal Effects $7,500 $7,500 $7,500     $7,500 $7,500 $7,500 $7,500     $7,500 $7,500
*12 Luggage and Personal Effects Delay Expenses $250 $250 $250                    
*13 Travel Delay Expenses $2,000 $2,000 $2,000                    
14 Alternative Transport Expenses $5,000 $5,000 $5,000                    
15 Personal Liability $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
*16 Rental Vehicle $6,000 $6,000 $6,000                    

* Sub Limits Apply.. 

The maximum period of cover under all Multi Trip Plans is 37 days per leisure journey or 90 days per business journey. For all Multi Trips:

  • The maximum period of cover is 37 days per leisure journey or 90 days per business journey.
  • Cover reinstated on the completion of each trip
  • Worldwide or Domestic journey.
  • Accompanying spouse/de facto and dependant children/grandchildren under 21 covered free
  • Not available for travellers aged 71 years and over.


summary of benefits

This is only a summary of the benefits. Please read the Policy Wording carefully for the complete details of what "We Will Pay" and what "We Will Not Pay" and which types of cover are provided under each plan. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the Policy Wording.

1. CANCELLATION FEES AND LOST DEPOSITS (pg. 22 & 23)

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters.
2. OVERSEAS EMERGENCY MEDICAL ASSISTANCE (pg. 23 & 24)

Cover for emergency medical assistance including:

  • 24 Hour Emergency Medical Assistance
  • Ambulance
  • Medical Evacuations
  • Funeral Arrangements
  • Messages to family
  • Hospital Guarantees.

3. OVERSEAS EMERGENCY MEDICAL AND HOSPITAL EXPENSES (pg. 24 & 25)

Cover for overseas medical treatment if you are injured or become sick overseas, including:

  • Medical
  • Hospital
  • Surgical
  • Nursing
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

4 ADDITIONAL EXPENSES (pg. 25 & 26)

Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:

  • Sickness
  • Accidental injury
  • Death

Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:

  • Hospitalisation
  • Medical Evacuation

5. HOSPITAL CASH ALLOWANCE (pg. 27)

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours.
6. ACCIDENTAL DEATH (pg. 27)

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury.

7. PERMANENT DISABILITY (pg. 27 & 28)

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey.

8. LOSS OF INCOME (pg. 28)

A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days.

9. TRAVEL DOCUMENTS, CREDIT CARDS AND TRAVELLERS CHEQUES (pg. 28 & 29)

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Credit Cards
  • Travel Documents
  • Travellers Cheques.
10. THEFT OF CASH (pg. 29)

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders.
11. LUGGAGE AND PERSONAL EFFECTS (pg. 29 to 31)

Cover for replacing Luggage and Personal Effects stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Personal Computers
  • Cameras.
12. LUGGAGE AND PERSONAL EFFECTS DELAY EXPENSES (pg. 31 & 32)

Cover to purchase essential items of clothing and other personal items following Luggage and Personal Effects delayed, misdirected or misplaced by your carrier for more than 12 hours.

13. TRAVEL DELAY EXPENSES (pg. 32)

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

14. ALTERNATIVE TRANSPORT EXPENSES (pg. 32 & 33)

Cover for additional travel expenses following transport delays to reach events such as:

  • Wedding
  • Funeral
  • Conference
  • Sporting Event
  • Pre-paid travel/tour arrangements.
15. PERSONAL LIABILITY (pg. 33 & 34)

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

16. RENTAL VEHICLE (pg. 34)

Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being: - Stolen - Crashed - Damaged and/or cost of returning rental vehicle due to you being unfit.

*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST
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