Key benefits of international travel insurance
This is only a summary. Exclusions apply and you should read the full terms and conditions applicable to the policy.
Travel on cruise liners: Travel on cruise liners in the South Pacific should take the Bronze Plan. Travellers cruising in other worldwide locations need to take the Plan specified for the port of departure.
Cancellation fees and lost deposits: Charges incurred by unforseen circumstances outside your control such as sickness or accident, retrenchment, strikes and cancellation of annual leave by your employer. Includes travel agents fees and reimbursement for frequent flyer points lost.
Overseas medical, hospital, cash in hospital, dental and related expenses: Medical, dental and accommodation costs and, when agreed to by us, your early return to Australia for medical reasons.
Cash in hospital: After 48 hours hospitalisation we will pay you $50 for every 24 hours you are confined in hospital for out-of-pocket expenses and other comforts. This is in addition to your medical and hospital costs.
Luggage: Covers accidental loss, theft or damage to your luggage, including duty-free purchases and loss or fraudulent use of credit cards. Limits apply to any one item of luggage:
- $600 under Platinum Travel Plan (DF12) and Gold Travel Plan (DC12)
- $500 under Silver Travel Plan (DD12) and Bronze Travel Plan (DE12)
Special limits apply for camera, video camera, laptop computer equipment, and set of golf clubs:
- $3,000 under Platinum Travel Plan (DF12) and Gold Travel Plan (DC12)
- $2,000 under Silver Travel Plan (DD12) and Bronze Travel Plan (DE12)
Sporting equipment: Sporting equipment is covered for loss or damage as part of your luggage up to the limit specified in your selected plan but is not covered when in use. Items included are surfboards, boogie boards, skis, snowboards and tennis racquets. Golf clubs are covered at the higher limit per plan. We will also pay for the hire of replacement golf clubs and ski gear in the event that your equipment is delayed.
Luggage specified items: Cover on items worth more than the limits shown (including sporting equipment and cameras) can be arranged up to a maximum $4,000 for any one item or set with a maximum of $8,000 in total by paying an additional premium of 4% on the insured value of these specified items. Receipts for purchase or valuations (not more than twelve months old) must be produced to Defence Health before issue of the Certificate of Insurance and again to the insurer in support of any claim that may occur.
Emergency expenses: Cover for additional accommodation, meal and travelling expenses including emergency personal telephone calls if your trip is disrupted.
Travel delay: Cover for reasonable accommodation and meals if you are delayed by carriers for more than ten hours.
Resumption of trip: Cover for expenses to resume your original trip should you return to Australia with our consent following the death, or sudden serious injury or illness, of you, your travelling companion or a relative or close business associate. This cover does not apply to one way tickets.
Home help: If you have been hospitalised overseas for more than 10 days and we have repatriated you back to Australia, then we will provide assistance (if required, up to $1,500 for single cover and $3,000 for family cover) through a company specialising in housekeeping or similar services registered for GST in Australia. This benefit is only for housekeeping or similar services but not home nursing.
Accidental death: Occurring as a result of an accident. Includes in- flight cover.
Accidental disability: Provides you with a lump sum benefit if you suffer a permanent disability during your trip due to an accident.
Your liability for causing loss or damage to property, injury or death: Protection for you being liable for injuring other persons or causing damage to their property and, most importantly, your legal expenses are included.
Rental vehicle collision damage and theft excess cover: Rental car companies apply an excess in case of accident, damage or theft to the rental vehicle during the rental period. Your policy provides cover for this up to an amount of $4,000. Please note that conditions and exclusions apply to this cover. The hiring agreement must incorporate comprehensive motor insurance against loss or damage to the rental vehicle. You also have the option to increase the level of excess cover up to a maximum of $6,000. An extra premium of $15 is payable for each $500 of additional excess cover required.
Loss of income: Provides compensation if you are unable to resume work upon your return.
Financial default: Provides compensation to assist you should there be a financial default of your travel service provider. This does not include travel agents.