Policy Benefits

Here you will find a summary of the standard benefits for the Cover My Trip Travel Insurance policy. Please be aware that this is only a summary of cover and the policy is subject to terms, conditions, exclusions and limitations which are explained in the Product Disclosure Statement. All benefits and amounts are payable in Australian dollars and in some cases, sub-limits apply.

Section & Benefit Comprehensive Plan Multi-Trip Plan Essentials Plan Non-Medical Plan Domestic Plan
1.1*
Overseas Emergency Assistance

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Unlimited Unlimited Unlimited

If you become suddenly sick or are seriously injured while travelling overseas, this benefit provides access to a medical advisor for emergency medical treatment, any messages which need to be passed on to your family or employer in the event of an emergency, hospital guarantees and medical transfers or evacuation to the nearest hospital or repatriation back to Australia.

1.2*
Overseas Emergency Medical & Hospital Expenses

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Unlimited Unlimited Unlimited

Cover for when you become suddenly sick or are seriously injured while travelling overseas. This benefit also includes cover for emergency dental treatment received for the relief of sudden and acute pain to sound and natural teeth up to $1,000.

1.3*
Accidental Death

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$25,000 $50,000 $25,000 $25,000

This benefit is payable to your estate if during your trip, you are injured and because of that injury, you die within 12 months of the injury occurring or the transport you are travelling on disappears, sinks or crashes and you are presumed dead and your body remains unrecovered.

1.4*
Permanent Disability

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$25,000 $25,000 $25,000

This benefit is payable to you if during your trip you suffer an injury that causes total disablement within 12 months of the injury and the disablement continues for at least 12 consecutive months.

1.5*
Hospital Cash Allowance

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$5,000 $5,000

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours.

1.6*
Loss of Income

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$10,400 $20,800

Cover if you suffer an injury during your trip that requires overseas medical treatment and because of that injury you are unable to return to work within 30 days after returning home to Australia.

2.1*
Cancellation

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Unlimited Unlimited $10,000 Unlimited Unlimited

Covers your cancellation fees and lost deposits, if due to circumstances that are unexpected and outside of your control, you have to cancel, reschedule or shorten your trip.

3.1*
Additional Expenses

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$50,000 $50,000 $25,000 $50,000 $25,000

Reimbursement of any reasonable additional accommodation and travel expenses you incur due to the illness or injury of you, your travelling companion or a relative.

3.2*
Travel Delay Expenses

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$2,000 $2,000 $2,000 $2,000 $2,000

Cover for additional meals and accommodation expenses you incur because your trip is delayed for more than 6 hours due to circumstances outside your control.

3.3
Alternative Transport Expenses

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$5,000 $5,000 $5,000

Provides cover for the reasonable additional travel expenses you incur in order to reach a special event or prepaid tour arrangement you have if your scheduled transport is cancelled, delayed, shortened or diverted.

3.4
Return Airfare

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$3,000 $3,000 $2,000

Cover for the cost of your original airline ticket if because of an injury or illness you suffer during your trip requires you to be repatriated to Australia with a medical escort.

3.5*
Domestic Services

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$500 $500

Reimbursement of up to $50 per day for the provision of housekeeping services you normally perform yourself, because you are disabled as a result of an injury suffered during your trip.

3.6*
Domestic Pets

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$500 $500

Cover for reimbursement of additional boarding kennel or cattery fees you incur because you are delayed beyond your original return date due to a claimable event.

4.1*
Luggage & Personal Effects

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$10,000 $10,000 $3,000 $10,000 $10,000

Cover for your luggage and personal effects during your trip in the event they are permanently lost, stolen or accidentally damaged.

4.2*
Luggage & Personal Effects Delay Expenses

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$500 $500 $250 $500 $500

Reimbursement for the reasonable expenses you incur purchasing essential items following your luggage and personal effects being delayed, misdirected or misplaced by the carrier for more than 12 hours.

4.3
Travel Documents, Transaction Cards & Travellers Cheques

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$5,000 $5,000 $5,000

Cover for the fees incurred to replace your essential travel documents following them being lost, stolen or destroyed during your trip.

4.4
Theft of Cash

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$250 $250 $250 $250

Cover for theft of cash, bank notes, currency notes, postal orders or money orders stolen from your person during your trip.

5.1
Rental Vehicle Excess

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$3,000 $3,000 $3,000 $3,000 $3,000

Reimbursement of the excess or liability fee payable by you for the rental vehicle you hired being involved in an accident, damaged or stolen when in your custody or control.

6.1
Personal Liability

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$2,500,000 $2,500,000 $2,500,000 $2,500,000 $2,500,000

Cover for your legal liability including legal expenses for bodily injury or damage to someone else's property as a result of a claim made against you.

* sub-limits apply - reffer to the Your Policy Cover section of the PDS for details.

©2017 Cover My Trip Travel Insurance Pty Ltd ® ABN 89 165  918 141, AR 448483 is an authorised representative of AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFS Licence No. 245631. This insurance is issued and managed by AGA Assistance Australia Pty Ltd and is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708. Any information provided by us is general advice only and does not take into account your objectives, financial situation or individual needs. This insurance is subject to terms, conditions and exclusions. Before purchasing this insurance please read the Product Disclosure Statement to decide if this product is right for you.