Nil, $100 and $250 excess applicable.

 Emergency advice and assistance services are available 24 hours a day via phone. Great Lakes underwrites other insurance polices like Aust Post and we’ve found that the 1st Level Support may cover various insurance providers and may at times only answer queries generally rather than confirmation on a specific enquiry, depending on the time you call. In the event of emergency however, Cover-More has a team of medical experts online and based in various countries that can provide advice and medical assistance.

Cancellation cover is not automatically provided for in this policy. Choose to pay an extra premium at a nominated price to have cancellation covered. The higher cover selected, the more the premium. Cover should apply to the cost of all family prepaid travel tickets like airfare or car hire, hotels, tours and other pre-booked travel e.g. theme park tickets, transfers and food and beverage packages. For a multi-trip nominate an amount that would cover all the possible costs incurred if a trip was cancelled and had to be rebooked at a higher price.

Read the cancellation inclusion cover to see if this suits your family travel needs. Among other things, Cover-more does not cover cancellation caused by transport provider i.e. mechanical fault or overbooking but other aspects like strikes or weather applies, change of mind, cancellation due to work i.e. if you are made redundant or leave has been revoked.

NOTE: There is a questionable section that is not covering ‘any costs or expenses incurred prior to you being certified by a medical practitioner as unfit to travel’. If unwell and cannot fly, seek medical help and make sure you get a written letter stating that you are unfit to fly in that specific term ASAP.

When making claims, a completed claim form should be accompanied by original documents that support the claim, such as receipts. Always keep copies of the documents. Online claims as well as mail in claims are available, but business hours telephone support is provided.

If luggage is delayed by a transport provider for more than twelve hours, the cost of essential emergency items of clothing and toiletries purchase are reimbursed.

Cover-More have recently downgraded this benefit to $375 per adult or $750 per family (it use to be $1000). The limit is doubled if the luggage is not received after 72 hours. The original receipts for the items and written confirmation of the delay from the transport provider must be produced when making the claim. In case the luggage is not found, the amount paid for this claim will be deducted from the total amount subsequently paid. Maximum benefit is $1500 for a family.

• Pre-existing medical conditions involving the back or neck are not covered.
• No cover is provided for childbirth or the health of a newborn child, or unexpected complications that occur after the 26^th week of pregnancy. If pregnant I would advise shopping around for better coverage.
• If hospitalized, this policy pays for a shared room, unless doctors advise that a single room is needed.
• The cost of the medical cover is unlimited.
• Medical treatment, dental treatment and ambulance transportation provided in Australia will not be covered, except if it occurs on a ship on Australian territorial waters. However, if the ship is tied up in Australian port, no treatment given on the ship is covered.
• In the case of death, a maximum amount of $20,000 is paid for either overseas funeral/cremation, or returning of the body home.
• For those with existing medical conditions, read carefully as the policy has a small list of automatic medical conditions that are covered. It’s advisable that Existing Medical Conditions be assessed for coverage before purchasing insurance. Those that have ailments like heart or lung disease, cholesterol, osteoporosis or those aged over 60 provide specific conditions for a medical assessment (there are other policies that provide a better pre-existing medical condition coverage).

If unforeseeable circumstances lead to a delay for at least 6 hours, you will be reimbursed up to $200 per adult for reasonable additional hotel accommodation expenses. You will be reimbursed for each additional 24 hours of the delay. However, you should first claim from the transport provider, and provide a written explanation from the provider on the cause and length of the delay to the insurance provider. The maximum benefit is $1,000 per adult or $2000 for a family. Therefore, emergency accommodation should not exceed $400 per night.

NOTE: Cover-More have said that ‘You are able lodge a claim for consideration under both the cancellation and travel delay sections of their policy. However, if the expense is incurred during the same period of time, we will pay for the higher of the two expenses. The whole premise of insurance is designed to cover financial losses, not for a customer to profit a claim situation”.

It’s one or the other, which they do not tell you nor clearly state in the PDS. This is similar on most travel insurance policies. What they fail to see is that it’s not trying to profit on the situation but be fully covered and not out of pocket.

You are not covered if you miss your transportation including flight or cruise ship departure. There is no reimbursement for missing a flight or cruise. If you are delayed due to circumstances outside of your control i.e. bad weather at airport, you can claim in the Travel Delay section for hotel accommodation expenses.
If you are worried about missed flights and have a tight turnaround to connect to a flight or cruise there are other policies that better cover missed connections and the cost to recommence the journey or cancel the trip due to missed departure.

This policy covers both local and international travel. A trip or in their terms ‘journey’ is covered more than 250 km from your home in Australia

For international cover, families must specify all the regions they will be travelling to as the premium differs according to region and claims will only be valid if the region was seleced. As an example, if USA was excluded in your selection, then you cannot claim on an incident that occurred in the USA.

Kids are covered however the benefits are per adult per policy and will have to be shared amongst the kids in the family.

If a trip is extended due to unforeseen circumstance outside of your control, the cover will be extended until you are able to travel home by the quickest and most direct route. The cover cannot be extended for any other reason, unless additional premium is paid.

Any loss, theft or damage of luggage or personal effects, travel documents and credit cards is covered up to $6,000. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.ext

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, for an unlimited amount.

Payment of lost items does not exceed the original purchase price of the said item. There are limits though: $15,000 per policy; $3,500 limit for cameras, $3,000 for laptops, $1,500 for tablets, $750 for phones and $500 for other items. The costs incurred when replacing the travel documents and credit cards are also covered.

Cover is provided up to $3,000. The limit can be increased by up to $3,500 by paying an additional premium.

Nil, $100 and $250 excess applicable.

Emergency advice and assistance services are available 24 hours a day via phone with very supportive staff.

In the case of an overseas emergency, medical assistance is available wherever the insured is to organise medical treatment, advise and have costs transferred over to the team (on approval).

The downside of that is you must seek and use medical professional advised by the emergency assistance team prior to seeking medical attention, trusting in their judgement from a call centre far removed from your exact location.

If, due to unforeseeable death, Accidental Injury or Sickness or Disease of policy holders (including kids), the trip is cancelled after the insurance policy has already been purchased, non-refundable unused portion of all travel costs paid in advance of the event will be reimbursed. They include deposits and non-refundable cancellation charges (unlimited), travel agent’s cancellation fee (up to $1,500) and incurred additional travel and hotel expenses (unlimited).

NOTE: Additional hotel, accommodation and transport expenses are not paid if claiming cancellation and travel delay, it’s one or the other not both.

Claims should be made within 30 days of the event taking place, with the claims form accompanied by original documents such as receipts. Photocopy or scan and save copies of all the documents you submit. Online claims are available and preferred as well as mail-in claims, Business hours telephone support is provided.

If luggage is delayed by a transport provider for more than twelve hours, the cost of essential emergency items of clothing and toiletries purchase is reimbursed, up to $500 per adult (that’s $1000 per family).

The original receipts for the items and written confirmation of the delay from the transport provider must be produced when making the claim. In case the luggage is not found, the amount paid for this claim will be deducted from the total amount subsequently paid.

Covers any medical treatment, emergency dental treatment to natural teeth and ambulance transportation costs that are incurred outside Australia. Any medical cost incurred in Australia is not covered

Any expenses incurred after the medical advice arranged by ACE Assistance is declined is not covered.

No cover is provided for childbirth or the health of a newborn child, or for any medically-assisted pregnancy, or a pregnancy that has had prior complications, or a pregnancy past its 24^th week.

Any medical costs incurred in Australia are not covered.

Emergency medical supervised evacuation and repatriation is covered, together with emergency travel assistance (reasonable additional hotel accommodation and transport expenses) incurred by a relative who travels to and remains with an in-patient person.

The cost of the medical cover is unlimited.

Claims that arise directly or indirectly due to a Pre-Existing Medical Condition, such as cardiovascular disease, are not covered. For those with existing medical conditions, read carefully as the policy has a list of automatic medical conditions that are not covered. It’s advisable that existing medical conditions be assessed for coverage before purchasing insurance.

In the case of the death, $25,000 will be paid for an adult, and $5,000 for a child.

If unforeseen circumstances lead to the delay of your transport for at least six hours, up to $500 per adult will be paid for emergency accommodation and meals ($1000 per family). $375 ($750 per family) will be paid for every 24-hour period that the delay continues, up to a maximum of $2,000 per adult ($4,000 per family). However, this will not be paid if you can claim your meals and accommodation from anyone else.

You are not covered if you miss your transportation including flight or cruise ship departure. There is no reimbursement for missing a flight or cruise. If you are delayed due to circumstances outside of your control i.e. bad weather at airport, you can claim in the Travel Delay section for hotel accommodation expenses.

You should first claim from the transport provider, and provide a written explanation from the provider on the cause and length of the delay to the insurance provider, together with any amount paid by them (this will be deducted from the total payable under this claim.) Any receipts for the accommodation and meals should also be presented.

This policy covers both international and local (Australian) travel. Kids are covered however the benefits are per adult per policy and will have to be shared amongst the kids in the family.

If a trip is extended due to unforeseen circumstance outside of your control, the cover will be extended until you are able to travel home by the quickest and most direct route. The cover cannot be extended for any other reason, unless additional premium is paid.

Lost, stolen or damaged luggage, personal effects and travel documents will be paid, to a maximum of $15,000. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, for an unlimited amount. Claims arising from Avian Influenza, or any derivative or mutation of such viruses, will not be paid for.

Payment of lost items does not exceed the original purchase price of the said item. There are limits though: $15,000 per policy; $3,000 limit for cameras, $3,000 for laptops and PCs, $1,500 for phones and $1,000 for other items. The costs incurred when replacing the travel documents and credit cards, and any legal liability arising from their illegal use are also covered. You must however comply with all the conditions of the issue of the travel documents and/or credit cards prior to and after their loss or theft.

Cover is provided up to $3,000. The limit can be increased by up to $3,500 by paying an additional premium.

$125 for all other claims besides medical and $250 excess for medical applicable. There is no provision for a nil excess, which means for every section of the claim, for each person there is a $125 or $250 (medical) excess.

If you choose the Premium policy upgrade, then all excesses are at $125.

There is 24 hour access to the emergency medical assistance from anywhere in the world via phone, be mindful that this is a UK based insurance company and at certain times are routed to the UK.

In case a trip is cancelled, prior to its commencement, due to unavoidable circumstances such as your serious sickness, injury or death, or a regulation from the government following an epidemic or natural disaster that prevents travel, you are covered for the loss of irrecoverable deposits, advance payments, charges or payments under contract for unused travel and accommodation, up to $10,000 per person including each child i.e. $40,000 per family of four minus excess for each person ($125 x 4).

Cancellation if employer has made insured redundant with a proper redundancy notice has been supplied by your employer in respect of permanent employment, and which qualifiesfor payment under current legislation of your Country of Residence

You are not covered for your disinclination to travel or if employer cancels pre-arranged annual leave.

Curtailment:

Curtailment is also offered when the insured is already on a journey and have to cut the trip short due to unavoidable circumstances.

Columbus Direct have confirmed that it is possible to claim both Medical emergency accommodation and cancellation. A great feature as it means that any pre-booked un-used accommodation can also be claimed, not one or the other like most policies.

Claims should be made within 31 days of the end of the trip, to Global Claims Services (the appointed claims handlers), with the claims form accompanied by original documents such as receipts. Keep copies of all the documents you submit. Claims can be made online, via email and by fax. Claims are re-rerouted via the UK so calling them outside of UK business hours (even though there is an Australian call number) is problematic. 

If luggage is delayed by a transport provider for more than six hours, the cost of essential emergency items of clothing and toiletries purchase is reimbursed, up to $500 per adult ($100 per family), and a further $500 per adult ($100 per family) for each six-hour delay, up to a limit of $2,000 per adult ($4,000 per family). No delays are covered if you are on your return journey home. Any claims made to the provider that are reimbursed will be deducted from the total amount payable. The original receipts for the items and written confirmation of the delay from the transport provider must be produced when making the claim.

Any existing medical conditions that are not declared during the purchase of the policy (and the insurer agreed to cover them via a written endorsement on the policy) are not covered.

Pregnancy cover:

• Multiple pregnancies, a pregnancy past the 26^th week, childbirth (at any stage of pregnancy) and care of a newborn are not covered. However, upon payment of an additional premium, childbirth and care of a newborn is covered (as long as the other conditions are fulfilled) for a trip that does not extend beyond the 30^th week of pregnancy.
• A Pregnancy Extension Option is available to provide certain cover for unexpected medical complications with a pregnancy (including childbirth and care of a newborn born during a Trip) providing all the following conditions are met:
  • Your trip does not extend beyond the 30th week of pregnancy;
  • You are not travelling against doctor’s advice;
  • No complications exist with the pregnancy at the time the insurance is purchased or the Trip is booked, whichever is the later;
  • It is not a multiple pregnancy.

The cost of the medical cover is up to $12.5 million.

In the case of death, or an injury that leads to death within 12 months, $50,000 per person is paid.

The maximum amount that can be paid for dental expenses only, for each insured person, is $1,000.

Any treatment costs incurred in Australia, and any In‐Patient hospital, clinic or repatriation costs not authorized by the Medical Emergency Assistance Company are not covered.

Travel Delay: Any delay in travel by at least 6 hours due to strike, riots, hijack or a natural disaster is covered, and up to $500 for cash expenses paid per person, includes each child ($2000 per family of four).

The amount paid is calculated at 25% of the amount shown in the Schedule (Travel Delay) for the first full 6 hour delay and 25% for each full 6 hour delay thereafter up to the total limit shown. Therefore for a family of four it’s $500 for the first 6 hours and for every 6 hour delay it’s $500 per family of four up to $2000 per family of four. Bear in mind that when claiming for the additional expenses,

Trip abandonment: This is also an excellent clause, where families can abandon their trip after at least 12 hours delay from time of departure and claim un-used accommodation costs up to $10,000 per person including a child ($40,000 for a family of four). Not many policies offer this cover.

However, this will not be paid if you can claim your meals and accommodation from anyone else. You should first claim from the transport provider, and provide a written explanation from the provider on the cause and length of the delay to the insurance provider, together with any amount paid by them (this will be deducted from the total payable under this claim.) Any receipts for the accommodation and meals should also be presented.

. Additional costs in reaching your booked destination, or continuing your trip, if a disruption arises as a result of certain specified circumstances are paid. Not often part of insurance policies and makes this particularly policy a stand out.

The conditions include, note that you can only claim Missed departure / connection OR Travel delay section not both, one or the other:

• The failure of public transport services due to strike, industrial action, riot, hijack, civil unrest, adverse weather conditions, a natural disaster in your Country of Residence, traffic flow congestion or mechanical breakdown
•  The mechanical breakdown of the vehicle in which you were travelling to reach your scheduled departure point, or an accident involving that vehicle.

This policy covers both international and local (Australian) travel and what’s really goods is that the benefits are the same for domestic and international travel.

The policy will cover up to three dependent children (aged 2-18) and up to two dependent infants (aged 0-1) FREE when they travel with their parent or grandparent. Cover for up to 5 children is included with any adult travel insurance policy. And each child receives a benefit not just the adults.

If a trip is extended due to unforeseen circumstance outside of your control, the cover will be extended until you are able to travel home by the quickest and most direct route. The cover cannot be extended for any other reason, unless additional premium is paid.

Lost, stolen or damaged luggage and personal will be paid, up to $6,000. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.

You are covered up to $2000 per person ($500 cash limit per member of the family), though this is not as beneficial in the cash limit as kids don’t carry around the cash.  In the event of theft of Personal Money  and the loss, theft or damage to your Travel Documents; during the Trip whilst on your person or whilst in a locked safe or safety deposit box.

Payment of lost items does not exceed the original purchase price of the said item. Personal money and travel documents that are lost are covered up to $2,000 per person including children ($8,000 per family of four) Credit cards are not covered.

Cover is provided up to $3,000. The limit can be increased by paying an additional premium.

Nil and $200 excess applicable.

24-hour worldwide medical and emergency assistance is available. An Australian company working on Australian business hours.  The emergency assist lines routes the insured through to QBE Assist a subsidiary owned by QBE.

If, due to unforeseeable circumstances such as injury or death of a member of the travel party or destruction of the pre-paid accommodation due to natural disasters, the trip is cancelled, the value of unused pre-paid travel arrangements for anyone named on the policy, less any refunds they are entitled to.

This is paid for an unlimited amount per adult (includes any accompanying children). If you’re claiming for prepaid theme park and event tickets, golf green fees or tuition fees, the applicable limit is $500 per adult ($1000 for a family for  four).

QBE will not pay for additional accommodation where you have claimed for cancelled accommodation expenses covering the same period of time or for additional transport costs in excess of the distance of the cancelled travel arrangements. It’s either emergency accommodation or cover for cancelled accommodation not both.

The insurer should be notified of a claim immediately an event requiring a claim happens. The claim form should be accompanied by original supporting documents. Any loss/theft not reported to the relevant authority within 24 hours is not paid. Make sure you have copies of all submitted documents.

Claims can be made via post, fax and online and a smooth claim process with clear instructions and feedback i.e awaiting statutory declaration.

If luggage is delayed by a transport provider for more than 10 hours, the cost of essential emergency items of clothing and toiletries purchase are reimbursed, up to $500 per adult ($1000 per family of four).

This limit will be doubled ($2000 per family) if the luggage has not been received in 72 hours. A generous benefit.

In case the luggage is not found, the amount paid for the claim will be deducted from the total amount subsequently paid. Loss or theft not reported to the transport provider within 24 hours will not be paid.

• There is no cover for any medical costs incurred in Australia.
• Any medical, hospital, ambulance and dental expenses incurred as a result of an illness, injury or death have an unlimited amount to benefits.
• There is also no cover for some pre-existing medical conditions unless an extra premium has been paid for it and subject to approval. A straightforward process and has a wide list of medical conditions they approve.
• The maximum amount that can be paid for dental expenses only, for each adult (including the accompanying children) is $1,000. dental treatment expenses you incur as a result of an injury to healthy natural teeth (no cover on the Inbound Travel Plan);

– If a relative/friend is needed to take care of you as an in-patient, their travel and accommodation expenses, up to $20,000 per adult ((including the accompanying children).

– Multiple pregnancies, a pregnancy past the 26^th week, childbirth (at any stage of pregnancy) and care of a newborn are not covered.

– In the case of death, a maximum amount of $25,000 is paid, and $1,000 for each accompanying dependent child.

If the pre-booked transport is delayed by 6 hours due to unforeseen circumstances, up to $250 will be reimbursed for additional accommodation and $50 for food, per adult. You will also be reimbursed up to these limits again for each full 24-hour period that the delay continues beyond the initial 6-hour delay. The maximum benefit is $1,500.

If due to unforeseen circumstances beyond your control you are not able to arrive on time for a wedding, funeral, conference, 25th or 50th Wedding Anniversary, concert or ticketed sporting event which cannot be delayed as a consequence of your late arrival, reasonable costs for using other means of transport to get there will be paid, up to $4,000 per adult, including accompanying child or children.

We will cover you if your trip is interrupted because you miss your onward connection within Australia due to the late arrival of your flight caused by circumstances outside of your control, for the reasonable additional costs of using alternative transport to continue to your intended 63 destination within Australia. However, cover only applies where the missed onward connection is booked with at least 90 minutes published connecting time.

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The policy covers both international and Australian travel. Accompanying kids aged 24 years and below are covered free a high age limit for kids compared to the market, although kids share the combined adult benefits in the policy.

Be mindful that travel domestically officially means travel that includes pre-paid scheduled public transport or rental vehicle hire for travel for a minimum of 200 km either from workplace or home (read PDS for specific conditions). Therefore road trip in the family vehicle are not covered unless a flight is involved or a rental vehicle.

The policy can be extended  to cover the period of the trip that exceeds the maximum duration of 60 days.

Trip extensions are available provided the current policy hasn’t expired and policies be extend up to 24 months provided the insured are 70 years or younger.  Theft

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, for an unlimited amount.

Up to $250 per adult is payable for stolen cash that was either carried or secured in a locked safe, provided that you reported the loss to the police within 12 hours of becoming aware of the loss and obtained a written police report.

Payment of lost items does not exceed the original purchase price of the said item. There are limits for some items: Personal Computer up to $6,000, camera and video up to $4,000, dentures or dental prosthesis up to $800, and $1,000 for any other item. The cost of replacing stolen or lost travel documents and credit cards will be paid (up to $2,000)

QBE will pay for the cost to reissue or replace travel documents that have been stolen, accidentally lost or damaged during your trip as well as the reasonable cost of you travelling to the nearest location where the documents can be replaced.

Cover is provided up to $4,000. The limit can be increased by paying an additional premium of $20 per $500 unit of cover, to a maximum of $5,000. These are very generous benefits. 

Nil, $100 applicable.

24-hour emergency and medical assistance is available, via phone uses the same support services as Cover-More. 

If, due to unforeseeable circumstances the trip is cancelled, non-refundable unused portion of all travel costs paid in advance of the event will be reimbursed. This includes the travel agent’s commission limited to the lesser of $1,500 or the amount of commission the agent had earned on the pre-paid refundable amount of the cancelled travel arrangements. Any delays caused by the transport provider (other than those caused by strikes), and your disinclination to travel, any government prohibition or restriction, claims arising from Avian Influenza (including the H5N1 strain) or any derivative ormutation of such viruses are not covered.

Claims are preferred to be submitted online as post is slightly slower and they have been known to lose important documents to support the claim. Make sure you have copies of the submitted documents.

 If luggage is delayed by a transport provider for more than 24 hours, the cost of essential emergency items of clothing and toiletries purchase are reimbursed, up to $375 per adult ($750 per family of four).

This limit will be doubled if the luggage has not been received in 72 hours. In case the luggage is not found, the amount paid for this claim will be deducted from the total amount subsequently paid. Loss or theft not reported to the transport provider within 24 hours will not be paid.

• Pre-existing medical conditions involving the back or neck are not covered.
• No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born, or for a pregnancy past it’s 26^th week, or one that was medically assisted (including hormone therapy and IVF).
• Medical cover for any illness/injury while travelling is unlimited. However, medical treatment provided in Australia is not covered.
• Emergency travel assistance (reasonable additional hotel accommodation and transport expenses) incurred by a relative who travels to and remains with an in-patient person is covered, until they are able to continue with the journey, or return home.
• In the case of death, a maximum amount of $25,000 is paid per adult, and $1,000 for each accompanying child.

If the pre-booked transport is delayed by 6 hours due to unforeseen circumstances, up to $200 per adult ($400 per family) and will be reimbursed for additional hotel accommodation.

Families will be reimbursed up to these limits again for each full 24-hour period that the delay continues beyond the initial 6-hour delay.

However, you should first claim from the transport provider, and provide a written explanation from the provider on the cause and length of the delay to the insurance provider. The maximum benefit is $2,000 ($4000 per family).

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The policy covers both international and Australian travel and treated the same, with the same benefits and limits. Kids are covered with the adults benefits shared amongst the kids. 

If a trip is extended due to unforeseen circumstance outside of your control, the cover will be extended until you are able to travel home by the quickest and most direct route. The cover cannot be extended for any other reason, unless additional premium is paid.

Lost, stolen or damaged luggage, personal effects and travel documents will be paid, to a maximum of $7,500. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, for an unlimited amount. Claims arising from Avian Influenza, or any derivative or mutation of such viruses, will not be paid for.

Cover is provided up to $3,000. 

Nil, $250 and $500 excess applicable. Premium is reduced if opting for a higher excess, although a nil excess is recommended to maximise claims. i.e. if claiming multiple sections of a policy it means a $250 or $500 excess for each family each claim, not beneficial if making small claims across multiple sections.

Round-the-clock emergency and medical assistance is available from Allianz Global Assistance via phone.

If, due to unforeseeable circumstances the trip is cancelled, non-refundable unused portion of all travel costs paid in advance of the event will be reimbursed. This includes the travel agent’s commission limited to the lesser of $3,000 per family.

Cancellations caused by delays or rescheduling by a bus line, airline, shipping line or rail authority, or by the financial collapse of the transport provider, or mechanical breakdown of the transport means, or cancelling of plans by you or your travel partner, are not covered.

Be mindful of whether cancellations can be claimed along with travel delay or additional expenses. Although it reads like it does, it’s not if the event occurred during the same time frame.

In the event of a claim, immediate notice should be given to Allianz Global Assistance, with receipts and/or valuations provided proving your ownership of and the value of any item for which you make a claim. Claims can be made online (preferred) or via post or fax. Make sure you keep a copy of all documents prior to posting.

 If luggage is delayed by a transport provider for more than 12 hours, the cost of essential emergency items of clothing and toiletries purchase are reimbursed, up to $1000 per family. In case the luggage is not found, the amount paid for this claim will be deducted from the total amount subsequently paid.

• Overseas Emergency Hospital and Medical expenses is unlimited.
• Medical costs incurred in Australia are not covered.
• You can choose your own medical advisor, or allow Allianz Global Assistance to choose one for you, unless you are under a Reciprocal Health Care Agreement.
• Any medical, hospital, ambulance and dental expenses incurred as a result of an illness or injury are paid for an unlimited amount.
• Childbirth and care of the newborn, ante-natal care, multiple pregnancies and any pregnancy past the 23^rd week are not covered.
• Existing medical conditions are not covered unless the insurer agrees to cover them, at an extra premium.
• In the case of death, a maximum amount of $30,000 per adult is paid, and $5,000 for accompanying dependents.
• Allianz / Virgin Travel Insurance only approves ‘additional expenses’ occurred if unfit to fly or hospitalisation if it is approved by an Allianz Emergency Assistance team.

If the pre-booked transport is delayed by 6 hours due to unforeseen circumstances, up to $400 per family will be reimbursed for additional hotel accommodation. You will also be reimbursed up to these limits again for each full 24-hour period that the delay continues beyond the initial 6-hour delay, up to $4,000 per family.

You are not covered if the delay is due to the financial collapse of the transport provider, or due to a threat or an act of terrorism, or if you can claim the additional accommodation and expenses from anyone else.

Is not covered under this policy.

The policy covers both international and Australian travel and benefits are similar though Emergency Overseas medical, lost documents and permanent disability is not covered when travelling within Australia.

There does not appear to be a requirement of what constitutes a journey within Australia.

If a trip is extended due to unforeseen circumstance outside of your control (such as delays in the transport means used), the cover will be extended at no extra charge. The cover cannot be extended for any other reason, unless additional premium is paid.

Lost, stolen or damaged luggage, personal effects and travel documents will be paid, to a maximum of $20,000 per family. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, up to $100,000 per family. If claims are made under this and also under cancellations and lost deposits, the higher of the two will be paid, not both.

Snow Pack and Cruise Pack can be purchased and covered in addition, however it increases the premium and does not come standards. Unless purchased, families are not insured.

Payment of lost items does not exceed the original purchase price of the said item.

There are limits for some items: laptops and tablet computers up to $3,000, camera and video camera up to $3,000, mobile phones up to 1,000, and other items up to $750.

The costs incurred when replacing the travel documents and credit cards, and any liability arising from their illegal use, are covered, up to $100,000. You must however comply with all the conditions of the issue of the travel documents and/or credit cards prior to and after their loss or theft.

Rental vehicle excess is not covered unless purchased in addition, the good thing is that families can nominate an appropriate amount. But it does not come standard. 

Nil, $100 and $200 excess applicable.

24-hour worldwide medical and emergency assistance is available, via phone.

If, due to unforeseeable circumstances the trip is cancelled, non-refundable unused portion of all travel costs paid in advance of the event will be reimbursed. This includes the travel agent’s cancellation fee up to 10% of the amount paid to the travel agent or $1,500 per adult, whichever is the lesser, when full monies have been paid or the maximum amount of the deposit has been paid at the time of cancellation.

There are some situations where cancellations are not covered, such as your sudden, unforeseen death before the trip starts, cancellations due to government restrictions after an epidemic, and others.

Any claims must be registered within 30 days of completion of travel, with original invoices, receipts and other vouchers relating to the loss or expenses also provided.

$600 is paid per person for buying essential items if your luggage is delayed by an airline or transport company during your trip for more than 24 hours.

• Emergency overseas medical is unlimited.
• Medical costs incurred in Australia are not covered, unless they occur during a cruise on Australian territorial waters.
• Any medical, hospital, ambulance and dental expenses incurred as a result of an illness or injury are paid for an unlimited amount.
• Multiple pregnancies past their 26^th week or single pregnancies past their 32^nd week are not covered.
• $500 is paid for emergency dental treatment as long as it is for the immediate relief of pain only.
• In the case of death, $20,000 (for either adult or child) is paid for the cost of returning your body or ashes to Australia or up to $10,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside Australia.
• Emergency dental expenses up to $1000 per family.

If during a trip, the final international departure from or returning to Australia by aircraft or sea vessel, is delayed due to poor weather conditions, a strike, industrial action or mechanical breakdown, $100 is paid per completed 12 hours up to $2,000 per person.

Is not covered under this policy.

This family insurance policy covers only international travel.

Lost, stolen or damaged luggage, personal effects and travel documents will be paid, to a maximum of $7,500. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered. The cost of replacing stolen or lost travel documents and credit cards will be paid (up to $5,000).

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, up to $40,000.

Provided theft of cash up to $800.

Payment of lost items does not exceed the original purchase price of the said item. There are limits for some items: laptops, tablets, cameras, video cameras and mobile phones up to $3,000. The costs incurred when replacing the travel documents and credit cards, and any liability arising from their illegal use, are covered, up to $5,000.

Cover is provided, up to a generous amount of $6,000.

Nil and $100 excess applicable. Advise to select nil with a slightly higher premium, otherwise it is $100 per person per claim including dependents (children).

24-hour worldwide medical and emergency assistance is available, via phone.

If, due to unforeseeable circumstances the trip is cancelled, non-refundable unused portion of all travel costs paid in advance of the event will be reimbursed. This includes the travel agent’s cancellation fee up to $1,500 when full monies have been paid or the maximum amount of deposit has been paid at the time of cancellation. You are not covered if, before the period of insurance commenced, you were aware of any reason that would cause your trip to be cancelled, or cancellations due to government restrictions after an epidemic, or if the cancellation was caused by the collapse of your transport provider, or due to an act or threat of terrorism, mechanical breakdown of any transport means, or as a result of delays or rescheduling by a bus line, airline, shipping line or rail authority.

Any claims must be registered within 30 days of completion of travel, with original invoices, receipts and other vouchers relating to the loss or expenses also provided.

If luggage is delayed by a transport provider for more than twelve hours, the cost of essential emergency items of clothing and toiletries purchase are reimbursed, up to $375 per person. The limit is doubled if the luggage is not received after 72 hours. The original receipts for the items and written confirmation of the delay from the transport provider must be produced when making the claim. In case the luggage is not found, the amount paid for this claim will be deducted from the total amount subsequently paid.

• Emergency overseas Medical expenses are unlimited.
• Pregnancies are covered up to the 26^th week for a single pregnancy, and up to the 19^th week for a multiple pregnancies. The family travel insurance policy offers very good coverage for pregnant women.
• Any medical, hospital, ambulance and dental expenses incurred as a result of an illness or injury are paid for an unlimited amount.
• $500 is paid for emergency dental treatment as long as it is for the immediate relief of pain only.
• In the case of death, $12,000 for each insured person is paid, and $5,000 for each accompanying dependent.
• Medical costs incurred in Australia are not covered.
• One of the only ones providing unlimited emergency dental expenses.

If the pre-booked transport is delayed by 6 hours due to unforeseen circumstances, up to $200 will be reimbursed for additional hotel accommodation. You will also be reimbursed up to these limits again for each full 24-hour period that the delay continues beyond the initial 6-hour delay. However, if the delay is due to an act or threat of terrorism, this cover is not paid.

Pet kennel fees are covered if travel is delayed of $25 per day up to $500.

Is not included in this policy.

This policy covers both international and domestic travel with limitations on travel within Australia.

Cruise Travel must be nominated and appear on your insurance Certificate of Insurance to be covered.

Australian / Domestic Travel: As long as the destination is at least 200km from home, families are covered for:

• Section 3: Cancellation fees and lost deposits
• Section 4: Additional expenses
• Section 6: Accidental death
• Section 11: Luggage and Personal Effects
• Section 13: Travel delay expenses
• Section 15: Personal liability
• Section 16: Rental Vehicle excess

Cover can be extended if the insurer is notified at least two days before it expires, and additional premium is paid.

Lost, stolen or damaged luggage, personal effects and travel documents will be paid, to a maximum of $10,000. However, items stolen while unattended (such as unattended items in a motor vehicle (unless stored in the boot)), or left in a vehicle’s boot overnight, or securely stored, or a loss not reported to the police or responsible transport provider within twenty-four hours of an occurrence are not covered.

Any necessary additional hotel accommodation and transport expenses incurred due to disruption of transport caused by riots, strikes or hijacks, loss of travel documents or natural disasters will be reimbursed, up to $12,000.

Theft of cash up to $1000 per family

Payment of lost items does not exceed the original purchase price of the said item. There are limits for some items: laptops up to $2,500, mobile phones up to $1,000, necklaces up to $750 and cash up to $200. The costs incurred when replacing the travel documents and credit cards, and any liability arising from their illegal use, are covered, up to $5,000.

Cover is provided, up to $5,000.