Travel Insurance 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.

* Overseas Emergency Assistance^

This benefit provides emergency assistance if you injure yourself, become sick or die while overseas. The benefit includes:

  • 24-hour emergency medical assistance.
  • Medical transfer or evacuation.
  • Provision of written guarantees for payments of reasonable expenses for emergency hospitalisation while overseas.
  • Messages to family.
  • The return to Australia of your dependents if they are left without supervision following your hospitalisation or evacuation.

For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 1.1 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
UNLIMITED ~

COMPREHENSIVE (Family)
UNLIMITED ~

ESSENTIALS (Single/ Duo)
UNLIMITED ~

ESSENTIALS (Family)
UNLIMITED ~

* Overseas Emergency Medical & Hospital Expenses^

(includes emergency dental expenses resulting from an injury overseas)

This benefit covers overseas medical treatment if you are injured or become sick overseas. It includes:

  • Medical.
  • Hospital.
  • Surgical.
  • Nursing.
  • Dental – where resulting from an injury.

For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 1.2 of the PDS for details.

Overseas Emergency Dental Expenses [Per Person] (for the relief of sudden and acute pain to sound and natural teeth)

COMPREHENSIVE (Single/ Duo)
UNLIMITED ~

(Dental services up to $1,000)

COMPREHENSIVE (Family)
UNLIMITED ~

(Dental services up to $1,000 per person)

ESSENTIALS (Single/ Duo)
UNLIMITED ~

(Dental services up to $1,000)

ESSENTIALS (Family)
UNLIMITED ~

(Dental services up to $1,000 per person)

* Accidental Death

This benefit is payable if you die because of, and within 12 months of, an accidental bodily injury sustained during your journey. For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

* sub-limits apply – refer to section 1.3 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$25,000

COMPREHENSIVE (Family)
$50,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

* Permanent Disability^

This benefit is payable in the event of total loss of sight in one or both eyes or loss of use of a hand or foot because of, and within 12 months of, an injury sustained during your journey, and the loss continues for at least 12 consecutive months and an appropriate medical specialist confirms it is beyond hope of improvement.

For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

* sub-limits apply – refer to section 1.4 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$25,000

COMPREHENSIVE (Family)
$50,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

* Hospital Cash Allowance^

This benefit pays an allowance per day (for each day in excess of 48 hours) if you are hospitalised for more than 48 continuous hours while you are overseas.

For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 1.5 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$5,000

(up to $50 per day)

COMPREHENSIVE (Family)
$10,000

(up to $50 per day)

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

* Loss of Income^

This benefit will pay you an allowance per week for up to 26 continuous weeks, if during your journey you sustain an injury which requires medical treatment, and because of this injury you become disabled within 30 days and the disablement continues for more than 30 consecutive days after you return to Australia.

You must be under the care of a medical adviser who certifies in writing that the disablement prevents you from gainful employment and as a result you lose all your income.

This entitlement only starts from the 31st day after your return to Australia.

For detailed information please refer to the Combined Financial Services Guide and Product Disclosure Statement.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 1.6 of the PDS for details.

FUNERAL EXPENSES

Funeral expenses incurred for the cost of bringing your remains back to your home page [per person]

COMPREHENSIVE (Single/ Duo)
$10,400

(up to $400 per week)

COMPREHENSIVE (Family)
$20,800

(up to $400 per week)

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Cancellation

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.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 2.1 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
UNLIMITED

COMPREHENSIVE (Family)
UNLIMITED

ESSENTIALS (Single/ Duo)
$10,000

ESSENTIALS (Family)
$20,000

Additional Expenses

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.

* sub-limits apply – refer to section 3.1 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$50,000

COMPREHENSIVE (Family)
$100,000

ESSENTIALS (Single/ Duo)
$25,000

ESSENTIALS (Family)
$50,000

Travel Delay Expenses

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.

* sub-limits apply – refer to section 3.2 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$2,000

COMPREHENSIVE (Family)
$4,000

ESSENTIALS (Single/ Duo)
$2,000

ESSENTIALS (Family)
$4,000

Alternative Transport Expenses^

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.

^ you do not have cover under this section while travelling in Australia

COMPREHENSIVE (Single/ Duo)
$5,000

COMPREHENSIVE (Family)
$10,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Return Airfare^

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.

^ you do not have cover under this section while travelling in Australia

COMPREHENSIVE (Single/ Duo)
$3,000

COMPREHENSIVE (Family)
$6,000

ESSENTIALS (Single/ Duo)
$2,000

ESSENTIALS (Family)
$4,000

Domestic Services^

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.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 3.5 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$500

COMPREHENSIVE (Family)
$1,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Domestic Pets^

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.

^ you do not have cover under this section while travelling in Australia

* sub-limits apply – refer to section 3.6 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$500

COMPREHENSIVE (Family)
$1,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Luggage and Personal Effects

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

* sub-limits apply – refer to section 4.1 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$10,000

COMPREHENSIVE (Family)
$20,000

ESSENTIALS (Single/ Duo)
$3,000

ESSENTIALS (Family)
$6,000

Luggage and Personal Effects Delay Expenses

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

* sub-limits apply – refer to section 4.2 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$500

COMPREHENSIVE (Family)
$1,000

ESSENTIALS (Single/ Duo)
$250

ESSENTIALS (Family)
$500

Travel Documents, Transaction Cards & Travellers Cheques^

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

^ you do not have cover under this section while travelling in Australia

COMPREHENSIVE (Single/ Duo)
$5,000

COMPREHENSIVE (Family)
$10,000

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Theft of Cash

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

COMPREHENSIVE (Single/ Duo)
$250

COMPREHENSIVE (Family)
$500

ESSENTIALS (Single/ Duo)

ESSENTIALS (Family)

Rental Vehicle Excess

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.

* sub-limits apply – refer to section 5.1 of the PDS for details.

COMPREHENSIVE (Single/ Duo)
$3,000

COMPREHENSIVE (Family)
$6,000

ESSENTIALS (Single/ Duo)
$3,000

ESSENTIALS (Family)
$6,000

Personal Liability

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.

COMPREHENSIVE (Single/ Duo)
$2.5 million

COMPREHENSIVE (Family)
$2.5 million

ESSENTIALS (Single/ Duo)
$2.5 million

ESSENTIALS (Family)
$2.5 million