Depending on your age, where you are travelling to, the length of your trip, you may be offered one, two or three different plans. The information provided below is a summary only. Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement to compare plans in more detail.
Domestic
Our Domestic plan offers cover for a single trip within Australia. It is designed to cover personal liability, luggage, unexpected trip cancellation*, and more*. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Essentials
Our Essentials Plan offers budget-friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, and unexpected trip cancellation*.
Comprehensive
Our Comprehensive Plan offers cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, unexpected trip cancellation*, and much more*. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Multi-Trip
Our Multi-Trip Plan offers cover for multiple trips within a 12-month period. Each individual trip can be up to 15, 30 or 45 days in duration. For overseas trips, it offers all the benefits of our Comprehensive Plan; and for domestic trips, it offers all the benefits of our Domestic Plan. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Cover Types
Depending on the plan you choose, we will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only. Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement to learn more about our Cover Types.
Single
Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.
Duo
Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.
Family
Covers you, your spouse or partner, and your dependents named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.
Benefits available on some plans include, but are not limited to:
Overseas medical expenses
Increase item limits
Discount for members
Cancellation fees and lost deposit
Flexible Excess
COVID Cover
Lost or stolen luggage
Rental vehicle excess cover
Emergency Expenses
24 hr emergency assistance
Doing something special on your holiday?
For an additional premium, you may be eligible to add one or more of the following optional covers to Comprehensive, Multi-Trip and Domestic plans. These are summaries only. Terms, Conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement to learn more about our optional covers.
Snow Pack
Going to the snow? You may be eligible to add a Snow Pack that is designed to cover for snow sport activities including amateur skiing, snowboarding, sledding, tobogganing, or tubing. A Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more*.
Cruise Pack
Going to sea or ocean cruising? Add a Cruise Pack so that you may be covered for medical costs on board, ship to shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more*.
Adventure Pack
Doing adventure activities? You may be eligible to add an Adventure Pack that is designed to cover for a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling, and much more*.
Increased Item Limits Cover
Taking higher-value items? To increase the item limit for higher-value items, add Increased Item Limits Cover to your plan, so your item is covered for a higher value, should it be stolen, lost or damaged*.
Important Information
Defence Health Limited ABN 80 008 629 481 AFSL 313890 arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Defence Health, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. Defence Health, and AGA receive a commission which is a percentage of the premium you pay for a policy - refer to our Financial Services Guide for details or ask us for more information prior to purchasing.