International travel insurance for Australians, combining comprehensive cover and worldwide emergency assistance when you need advice or support while overseas.
The Comprehensive Plan provides international travel insurance for Australians travelling overseas.
The policy is available to residents of Australia of any age (subject to a medical assessment for travellers who have a high risk medical condition or aged over 80), and can be purchased up to 12 months in advance of the departure date. 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.
Where cover for snow sports or specified luggage is required, policies can be upgraded with optional additional benefits.
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||Unlimited|
|Meals sub-limit (daily limits apply)||$500|
|Emergency internet/telephone sub-limit||$250|
|Post hospital accommodation (daily limits apply)||$500|
Overseas medical expenses
|Critical illness or injury – emergency travel expenses for a friend or relative sub-limit||$20,000|
|Hospital compensation (daily limits apply)||$8,000|
|Dental expenses due to sudden and accute pain||$1,000|
|Medical evacuation and repatriation|
|Medical evacuation and repatriation||Unlimited|
|Home services sub-limit||$500|
|Extra travel cover|
|Travel delay (daily limits apply)||$2,000|
|Missed connection - special events||$2,000|
|Resumption of trip||$3,000|
|Emergency accommodation due to terrorism (daily limits apply)||$3,000|
|Emergency expenses to avoid disaster||$1,000|
|Early return home||$2,000|
|Rental vehicle expenses|
|Rental vehicle insurance excess||$5,000+|
|Return of rental vehicle||$750|
|Luggage and personal effects maximum limit||$12,000|
|Personal computer, camera and video individual item limit||$4,000|
|Smartphone individual item limit||$1,000|
|Other individual item limit||$700|
|Hiring replacement golf and surf equipment||$200|
|Replacement passports and travel documents||$3,000|
|Fraudulent use of credit or debit cards||$3,000|
|Accompanying children sub-limit||$1,000 per child|
|Funeral expenses overseas||$25,000|
|Total permanent disability||$12,500|
|Loss of income (monthly limits apply)||$10,000|
|Financial default of travel providers|
|Financial default of travel service providers||$10,000|
|+ 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 Comprehensive 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 a Comprehensive 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.
Where cover is required for existing medical conditions that are not automatically covered, you will be able to apply for a medical assessment online at the time of getting a quote.
More information on cover for existing medical conditions can be found in the product disclosure statement. This includes a list of high risk medical conditions that must be disclosed when applying for a policy, as well as a list of conditions that are automatically covered without application (provided that the condition is stable and you are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests).
Policies have an extended cooling off period of 21 days. If you change your mind and the policy is no longer required, it can be cancelled within 21 days of the date purchased for a full refund of the premium paid. The cooling off period applies provided that no claim has been made and the policy has not commenced.
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.