International travel insurance for Australians, combining comprehensive cover and worldwide emergency assistance when you need advice or support while overseas.
The International Comprehensive Policy provides international travel insurance for Australians and non-Australian residents travelling overseas. The policy is available to residents of Australia of any age (subject to a medical assessment for travellers over 80), and non-residents under 70.
Policies can be booked up to 12 months in advance of the departure date regardless of age. A maximum initial duration of up to 12 months applies, but policies can be extended up to a maximum total duration of 12 months from date of departure (shorter maximum durations apply for travellers over 70). Children can be included on the policy at no additional cost subject to policy terms.
Cruises are automatically covered under the policy, with a range of extra cruising benefits included as standard. Where cover for snow sports or specified luggage is required, policies can be upgraded with optional additional benefits.
Schedule of benefits
|Cancellation or holiday deferment costs||Unlimited|
|Emergency travel arrangements and accommodation expenses||Unlimited|
|Agents cancellation fees||$2,000|
|Loss of reward points||Unlimited|
|Medical and dental expenses||Unlimited|
|Hospital compensation (daily limits apply)||$8,000|
|Post hospital accommodation (daily limits apply)||$500|
|Medical evacuation and repatriation||Unlimited|
|Non medical evacuation and repatriation||Unlimited|
|Missed connection - special events||$2,500|
|Resumption of trip||$3,000|
|Emergency accommodation due to terrorism (daily limits apply)||$3,000|
|Rental vehicle insurance excess||$5,000|
|Return of rental vehicle||$750|
|Luggage (item limits apply)||$12,000|
|Personal computer item limit||$6,000|
|Camera and video item limit||$4,000|
|Smartphone item limit||$1,000|
|Other item limit||$700|
|Replacement passports and travel documents||$3,000|
|Fraudulent use of credit or debit cards||$3,000|
|Funeral expenses overseas or repatriation of remains||$25,000|
|Total permanent disability||$12,500|
|Loss of income||$10,000|
|Financial default of travel service providers||$10,000|
|Financial default of listed wholesalers||$5,000|
When applying for a policy, the region is determined by the destination (or destinations) where you will spend the majority of the trip. Policies automatically cover time spent in other regions provided that the region where you will spend the majority of the trip is selected. It will also be necessary to confirm whether you will spend 72 hours or more in the USA, South America, Central America or Antarctica.
Please note that there is no cover for travel to Afghanistan, Burundi, Central African Republic, Chad, Democratic Republic of Congo, Eritrea, Iraq, Iran, Libya, Mali, Mauritania, Niger, North Korea, Guinea, Guinea-Bissau, Somalia, Sudan, South Sudan, Syria, Ukraine, Venezuela, or Yemen.
|Region 1||Worldwide, USA, South America, Central America and Antarctica|
|Region 2||Africa, Canada and the Middle East|
|Region 4||China, Hong Kong, Japan, Singapore, Philippines, Thailand, India, Malaysia, Vietnam, Korea, Nepal, Cambodia and other Asia|
|Region 5||UK and Ireland|
|Region 6||Indonesia, South Pacific and Papua New Guinea|
|Region 7||New Zealand|
|Download list of destinations|
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 starting from page 32 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 ABN 88 605 310 709. 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 81 115 932 173, AFSL 308461. Before deciding to purchase this product, read the Product Disclosure Statement available from us. This insurance is underwritten by certain underwriters at Lloyd's.