Budget travel insurance for Australians travelling overseas, with reduced levels of cover for just the essentials. Provides a low cost alternative when travelling light.
The Essentials Plan has been designed to provide basic cover when travelling light, and covering the essentials. Policies include fewer reduced levels of cover for benefits like cancellation fees and luggage. Importantly though, policies still come with unlimited cover for overseas medical, hospital and ambulance expenses (subject to policy terms).
Policies are available to travellers under 70, and can be purchased up to 12 months in advance of the trip commencing. Accompanying children under 25 years if age and working less than 30 hours per week can be included on the policy at no additional cost provided that travelling with you on the same itinerary for the entire duration of your trip.
Additional options such as cover for snow sports and specified luggage are not available.
Schedule of benefits
|Cancellation and additional expenses|
|Cancellation or holiday deferment costs||Chosen limit+|
|Agents cancellation fees sub-limit||$2,000|
|Emergency travel arrangements and accommodation expenses||$15,000|
|Meals sub-limit (daily limits apply)||$500|
|Emergency internet/telephone sub-limit||$250|
|Overseas medical expenses||Unlimited^|
Critical illness or injury – emergency travel expenses for a friend or relative sub-limit
|Hospital compensation (daily limits apply)||$5,000|
|Dental expenses due to sudden and accute pain||$1,000|
|Medical evacuation and repatriation|
|Medical evacuation and repatriation||$500,000|
|Home services sub-limit||Not insured|
|Extra travel cover|
|Travel delay (daily limits apply)||$1,000|
|Missed connection - special events||Not insured|
|Resumption of trip||Not insured|
|Emergency accommodation due to terrorism (daily limits apply)||Not insured|
|Emergency expenses to avoid disaster||$1,000|
|Early return home||$2,000|
|Rental vehicle expenses|
|Rental vehicle insurance excess||$2,000+|
|Return of rental vehicle||$750|
|Luggage and personal effects maximum limit||$5,000|
|Individual item limit||$500|
|Stolen cash||Not insured|
|Hiring replacement golf and surf equipment||Not insured|
|Replacement passports and travel documents||$1,000|
|Fraudulent use of credit or debit cards||Not insured|
|Accompanying children sub-limit||$1,000 per child|
|Funeral expenses overseas||$15,000|
|Total permanent disability||Not insured|
|Loss of income (monthly limits apply)||Not insured|
|Financial default of travel providers|
|Financial default of travel service providers||$3,500|
|+ This is a limit per policy and is the most that the insurer will for all people on your Certificate of Insurance combined (per trip).
^ For up to 12 months after the illness first appears or injury first occurs.
The Essentials Plan can be purchased after you have started travelling, however a waiting period of 72 hours would apply during which time there would be no cover under the policy. Cover under the policy will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.
Where an Essentials Plan is purchased more than 72 hours in advance of the trip departure date, cover under the Cancellation or holiday deferment costs section of the policy will be subject to a waiting period of 72 hours. Cover under the section will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.
Copyright © Travel Insurance Cover Australia. Distributing travel insurance online since 2008.
Travel Insurance Cover Pty Ltd, ABN 88 605 310 709 is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115932 173, AFSL No 308461. Before deciding to purchase this product, read the Product Disclosure Statement available from us. This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). XL Insurance Company SE is part of AXA XL, a division of AXA.