Travel insurance
Travel cover, written so you can check it.
Single trip, annual multi trip, or domestic. Overseas medical is unlimited, and the cancellation limit is one you choose rather than one we choose for you.
Australia has reciprocal health care agreements with eleven countries, including the United Kingdom and New Zealand. They cover immediately necessary treatment only. They do not cover evacuation home, and evacuation is the expensive part.
What is covered
- Unlimited overseas medical and hospital expenses, including evacuation
- Cancellation and amendment costs up to the limit you select
- Luggage, personal effects and travel documents, with per item limits
- Travel delay expenses after six hours, including meals and accommodation
- Rental vehicle excess in Australia and overseas, up to $8,000
- Personal liability of $5 million while travelling
- Cover for existing medical conditions, subject to assessment
- Domestic trips including accommodation, luggage and rental excess
What is not covered
- Travel against Smartraveller advice at Do Not Travel level
- Claims arising from being under the influence of alcohol or drugs
- Undeclared existing medical conditions that have not been assessed
- Unattended luggage left in a public place or in view in a vehicle
- Extreme sports and motorcycling above 250cc unless an option is added
This is a summary. The full list of exclusions, limits and conditions is in theProduct Disclosure Statement.
Excess, in plain figures.
The excess is what you contribute towards a claim. Choosing a higher one lowers your premium. Some claims attract more than one excess, and where they do we say so.
| Excess | Amount | When it applies |
|---|---|---|
| Standard excess | $200 | Per claim, per person |
| Nil excess option | $0 | Available for an additional premium |
| Existing condition excess | $400 | Where a condition has been assessed and accepted |
| Rental vehicle excess claim | $200 | Standard excess applies |
All premiums shown are in Australian dollars and include GST and stamp duty, plus the NSW Emergency Services Levy or the Tasmanian Fire Service Contribution where they apply.
Options worth considering
Winter sports
On-piste skiing and snowboarding, including gear and lift pass costs.
Cruise cover
Onboard medical, cabin confinement and missed port departures.
Adventure activities
Trekking above 3,000 metres, scuba to 30 metres, and motorcycling.
Increased item limits
Raises the single item limit for cameras, laptops and jewellery.
Questions about travel cover
Australia has reciprocal health care agreements. Is that enough?
No. Australia has agreements with eleven countries including the United Kingdom, New Zealand, Ireland and Italy. They cover immediately necessary medical treatment in the public system. They do not cover medical evacuation home, they do not cover repatriation, and they do not cover cancellation or luggage. Evacuation is the expensive part, and it is routinely six figures.
Do I have to declare an existing medical condition?
Yes, if you want it covered. Some conditions are automatically covered without assessment. Others need a short online assessment, and most are accepted for an additional premium and a higher excess. An undeclared condition means a claim arising from it is declined, so it is worth the ten minutes.
What does Smartraveller advice do to my cover?
If the Australian Government has a Do Not Travel advisory in place for a destination and you go anyway, cover for that destination does not apply. Lower advisory levels do not affect cover. Check smartraveller.gov.au before you buy and again before you fly, because levels change.
Is a domestic trip worth insuring?
Medical is not the reason, since Medicare covers you. Cancellation, accommodation you have already paid for, luggage and the rental vehicle excess are. A domestic policy is materially cheaper because the medical section is not doing the work.
Does the policy cover my rental car excess?
Yes, up to $8,000, in Australia and overseas. It covers the excess the hire company charges you after damage or theft, which is usually far more than the daily waiver they will sell you at the counter.
Other cover
- Home and ContentsBuildings and contents, storm, fire, flood and theft, with make safe called out within 24 hours.
- MotorComprehensive, third party property damage, and fire and theft, with a lifetime repair guarantee.
- LandlordBuilding, landlord contents, loss of rent, tenant damage, and legal expenses for tribunal matters.
- BusinessPublic liability, property and stock, business interruption, glass, and tools of trade in one pack.
Get a travel quote in two minutes.
Eight questions, no phone call, and the premium, excess and exclusions on one screen. This advice is general only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you.
Consider the PDS and TMD before deciding. Premiums include GST and stamp duty.