Choose Your Cover

One Trip

Heading on a trip soon? Grab your One Trip Travel Insurance policy today!

One Trip International cover comes in three plan types: Basic, Essential and Premium. Domestic cover has two plan types: Essential and Premium.

Annual Trip

If you travel frequently, our Annual Trip cover is a great way to make sure you are covered. One payment and one policy covers you for unlimited trips, of up to 45 consecutive days per trip, throughout the year.

Selecting your cover:

Step 1: Choose Your Geographical Region:

GEOGRAPHICAL REGION We will ask for the countries You are travelling to during the application process and subject to the considerations under the Sanctions Exclusions section of this PSD We will provide cover for all countries delcared and listed on You Certificate of Insurance.

Step 2: Choose Who Will be Covered

CHOOSE WHO WILL BE COVEREDWhen applying for cover You will be asked to specify the number of Adults and Children that cover is being sort for.

Step 3: Choose Your Plan

You can select to be covered for a single trip (One Trip Policy) or for multiple trips during a one year period (Annual Policy). The following table shows the plan options You can choose from:

 BASIC PLANESSENTIAL PLANPREMIUM PLAN
One Trip International Policy
 
 
 
One Trip Australia Only Policy
 
 
 
Annual International and Annual Australia Only Policies
 
 
 

For Annual Policies, covered Journeys are limited to forty-five (45) consecutive days for both International and Dometic trips. Maximum Age limitation applies and the cover provided is subject to the terms, conditions and exclusions contained in the Policy.

Step 4: Choose Your Policy Excess

All claims are subject to an excess amount payable by You per claim Event. You select Your Policy excess when You purchase Your Policy. The higher excess option will reduce Your premium.

EXCESS OPTIONS – INTERNATIONAL POLICIESEXCESS OPTIONS – AUSTRALIA ONLY POLICIES
$100 $50
$200 $100

The excess applicable to sections 8 - Money and 11 - Flight Delay is $25 per Event regardless of which excess option You select.

Step 5: Choose Your Optional Extra Cover

You can choose to purchase optional extra cover

OPTIONAL EXTRA COVERINTERNATIONAL POLICYAUSTRALIA ONLY POLICY
BASIC PLANESSENTIAL PLANPREMIUM PLANESSENTIAL PLANPREMIUM PLAN
18) Rental Vehicle Excess - $3,500 $3,500 $3,500 $3,500
19) Increased Maximum Benefit Limit for Loss of Deposits and Cancellation Charges Sub limits under 3) Loss of Deposits and Cancellation Charges apply. - $5,000 $5,000 $2,500 $2,500

Summary of benefits:

The below tables summarises the benefits We can provide and can be used as a quick reference tool. The destinations covered and benefit limits vary according to the geographical region, coverage type and plan selected, as specified in Your Certificate of Insurance.

A detailed description of the cover is set out in the benefits section. The cover provided is subject to the terms, conditions and exclusions contained in this Policy document.

Maximum benefit limits apply, as set out in the below tables. Sub limits also apply. The term "Unlimited" only means there is no specified dollar limit. Policy terms do however apply limits on what We will pay under such benefits.

If You are travelling with Children under Family or Group cover and more than one person claims for any losses arising from one Event, the maximum benefit amount We will pay for those claims is the maximum benefit limit, as shown in the Summary of Benefits table, multiplied by the number of Adults covered under the Family or Group cover.

Summary of Benefits Tables

SUMMARY OF BENEFITSMAXIMUM BENEFIT LIMITS
INTERNATIONAL POLICYAUSTRALIA ONLY POLICY
BASIC PLANESSENTIAL PLANPREMIUM PLANESSENTIAL PLANPREMIUM PLAN
MEDICAL BENEFITS
1) Overseas Emergency Medical, Hospital and Dental Expenses Unlimited Unlimited Unlimited - -
Emergency Assistance Included Included Included - -
2) Cash in Hospital  
(a) Daily Amount - - $100 - -
(b) Maximum Amount - - $10,000 - -
CANCELLATION BENEFITS
3) Loss of Deposits and Cancellation Charges - $5,000 $10,000 $2,500 $5,000
Travel Agent’s Cancellation Fee (sub limit) - Lesser of $750 or 15% of the refundable amount
4) Additional Hotel Accommodation and Transport Expenses - $25,000 Unlimited $10,000 $15,000
5) Resumption of Journey (sub limit) - $3,000 $3,000 $3,000 $3,000
6) Special Events (sub limit) - $2,000 $2,000 $2,000 $2,000
LUGGAGE, TRAVEL DOCUMENTS AND MONEY BENEFITS
7) Luggage, Personal Effects and Travel Documents - $3,000 $10,000 $1,000 $3,500
(a) Item Limit (each item) - $500 $1,000 $500 $1,000
(b) Electronic Equipment (sub limit) - $1,000 $3,500 $1,000 $3,500
8) Money - - $200 - -
DELAY BENEFITS
9) Delayed Luggage Allowance  
(a) More than 24 hours ( (sub limit) - - $500 - $500
(b) More than 72 hours ( (sub limit) - - $1,000 - $1,000
10) Travel Delay Accommodation - - $500 - $500
11) Flight Delay  
(a) More than 4 hour - - $100 - $100
(b) More than 12 hour - - $200 - $200
ACCIDENTAL DEATH BENEFITS
12) Accidental Loss of Life and Permanent Loss - - $25,000 - $25,000
Maximum amount for Children:  
(a) Accidental Loss of Life- Children - - $1,000 - $1,000
(b) Permanent Loss - - $10,000 - $10,000
ADDITIONAL BENEFITS
13) Personal Liability $1,000,000 $2,000,000 $3,000,000 $200,000 $200,000
14) Public Transport Hijacking and Kidnapping  
(a) Daily Amount - - $1,000 - -
(b) Maximum Amount - - $15,000 - -
15) Additional expenses following Accidental Injury or Sickness or Disease - Unlimited Unlimited $15,000 $15,000
16) Mortal Remains Repatriation - $10,000 $10,000 $10,000 $10,000
17) Home Help - $500 $500 $500 $500
OPTIONAL EXTRA COVEROPTIONAL EXTRA COVEROPTIONAL EXTRA COVER
BASIC PLANESSENTIAL PLANPREMIUM PLANESSENTIAL PLANPREMIUM PLAN
18) Rental Vehicle Excess - $3,500 $3,500 $3,500 $3,500
19) Increased Maximum Benefit Limit for Loss of Deposits and Cancellation Charges Sub limits under 3) Loss of Deposits and Cancellation Charges apply. - $5,000 $5,000 $2,500 $2,500

If you have paid an additional premium to add an optional extra benefit, this will be shown on the Certificate of Insurance.

Period of Cover

Cover under section 3 and section 19 for Loss of Deposits and Cancellation Charges starts from the Issue Date (or the Renewal Date for renewed Annual Policies) and continues until the end of the Period of Insurance.

All other cover (including Accidental Loss of Life and Permanent Loss) starts from the Start Date (or the Renewal Date, for renewed Annual Policies) and continues until the end of the Period of Insurance.

Learn More

Download our Product Disclosure Statement (PDS) and Financial Services Guide (FSG)

Product Disclosure Statement

Download Product Disclosure Statement (PDS)

Financial Services Guide

Download Financial Services Guide (FSG)