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Medical Emergencies

Protection for eligible emergency medical expenses and assistance while travelling overseas.

Coverage Highlights

  • Eligible emergency hospital treatment
  • Overseas emergency medical expenses
  • Emergency medical assistance
  • Eligible medical evacuation and repatriation
  • Emergency dental expenses, subject to limits
Coverage Information: Unlimited overseas emergency medical expenses and assistance are listed for all three plans. The policy's 12-consecutive-month expense period and other conditions apply.
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Subject to the Travel Insurance Saver PDS, Version TIS1.3.

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Lost Luggage

Cover for eligible lost, stolen or damaged baggage and personal effects during your trip.

Coverage Highlights

  • Eligible baggage loss or theft
  • Damage to covered personal effects
  • Baggage delay expenses
  • Travel documents and transaction cards
  • Applicable item limits and exclusions
Coverage Limits: Comprehensive: $20,000. Essentials: $10,000. Medical Only: Not included. Travel documents and baggage delay have separate limits.
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Benefit limits and exclusions apply. Refer to the PDS.

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Trip Cancellation

Protection for eligible prepaid travel expenses if your trip is cancelled or cut short for a covered reason.

Coverage Highlights

  • Eligible cancellation fees
  • Non-refundable travel deposits
  • Eligible trip curtailment expenses
  • Covered unforeseen circumstances
  • Specified exclusions and conditions
Single Trip Limits: Comprehensive: $20,000. Essentials: $10,000. Medical Only: Not included. Limits differ for other trip types.
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Cancellation must arise from an insured event under the PDS.

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Rental Vehicle Excess

Cover for eligible rental vehicle insurance excess charges in circumstances specified by the policy.

Coverage Highlights

  • Eligible rental vehicle insurance excess
  • Specified insured incidents
  • Applicable rental agreement conditions
  • Cover subject to benefit limits
Coverage Limits: Comprehensive: $10,000. Essentials: $5,000. Medical Only: Not included.
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Terms, conditions and exclusions apply.

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Cruise Cover

Selected emergency medical and cruise-specific benefits depending on your chosen plan.

Coverage Highlights

  • Eligible emergency medical expenses whilst cruising
  • Emergency medical assistance
  • Emergency dental expenses, subject to limits
  • Cruise cabin confinement on eligible plans
  • Prepaid shore excursion cancellation on eligible plans
  • Missed port benefits on eligible plans
Coverage Information: Cruise emergency medical benefits are listed for all three plans. Cabin confinement, missed port and shore excursion benefits are available under Comprehensive and Essentials only, with separate limits.
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All cruise benefits are subject to the PDS.

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Snow Sports

Planning winter activities? Check the specific activities and conditions listed in the PDS before travelling.

Important Considerations

  • Check the list of eligible sports and leisure activities
  • Review skiing and snowboarding conditions
  • Confirm restrictions for terrain and competition
  • Review medical and activity exclusions
  • Confirm eligibility before departure
Important: Snow sports are not automatically covered without restriction. Cover depends on the activity and applicable PDS terms. This section does not promise cover for every winter sport.
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Check the sports and leisure activities section of the PDS.

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Travel Delay

Cover for eligible additional expenses when travel is delayed for a reason specified in the policy.

Coverage Highlights

  • Eligible additional travel expenses
  • Specified travel disruption events
  • Applicable waiting periods and conditions
  • Supporting documentation requirements
Coverage Limits: Comprehensive: $3,000. Essentials: $1,500. Medical Only: Not included.
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Subject to the applicable conditions and exclusions.

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Personal Liability

Protection for certain legal liabilities involving accidental injury to another person or damage to their property.

Coverage Highlights

  • Eligible third-party injury claims
  • Eligible third-party property damage claims
  • Certain covered legal liabilities
  • Applicable exclusions and claims conditions
Coverage Limits: Comprehensive: $5,000,000. Essentials: $2,500,000. Medical Only: Not included.
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All liability benefits are subject to the PDS.

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Archive for May 2026

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