Travelinsure recommends the Cover-More Comprehensive Policy to travellers who require a high level of travel insurance cover. If you travel regularly compare to see if an Comprehensive Annual Multi-Trip policy will give you the best value for money. Compare how much you can save on your rental excess buydown by having a travel insurance policy that will cover you for the rental vehicle excess in case of accident. If you are unsure please contact us so that we can assist you in finding the appropriate coverage for you. The Cover-More “Comprehensive” Travel Insurance schedule of benefits is outlined below. Please be sure to read the full policy wording for full details.

Summary of Policy Benefits

Below is a Summary of the Benefits of the Worldwide Comprehensive Policy which must be read in conjunction with the Product Disclosure Statement (PDS) to understand what this policy covers by clicking the link above. Please note that exclusions and limits apply. Travelinsure recommends the Cover-More Worldwide Comprehensive policy.

1 Overseas Medical and Dental*

Health related emergency accommodation and transport, also includes benefits for Hospital incidentals and Resumption of Journey

Maximum Benefit Limit

International
$Unlimited

2 Emergency Accommodation and Transport*

For non-medical/dental related events, also includes a benefit for Special events.

Maximum Benefit Limit

International
$20,000

3 Amendment or Cancellation Costs*

Cover, if due to unforeseen circumstances outside Your control Your journey has to be re-arranged or cancelled e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment.

Maximum Benefit Limit

International
You Chooseo

4.1 Travel Delay*

If your pre-booked transport is temporarily delayed for at least 6 hours due to an unforeseeable circumstance outside your control.

Maximum Benefit Limit

International
$2,000

4.2 Delayed Luggage*

If all Your luggage is delayed by a Transport Provider during the Journey for more than 24 hours.

Maximum Benefit Limit

International
$1,000

5 Luggage, Travel Documents and Money*

Cover for loss, theft or damage of your luggage and/or Travel documents. For luggage item limits, see page 12 of the policy wording.

Maximum Benefit Limit

International
$12,000^

  Cameras and Video Cameras

International
$3,500

  Laptop and Tablet Computers

International
$3,000

  Mobile Phones and Smart Phones

International
$750

  Other Items

International
$500

  Money

International
$200

6 Rental Car Insurance Excess

Cover for the excess You become liable to pay as a result of damage to, or theft of, a rental car.

Maximum Benefit Limit

International
$10,000

7 Loss of Income*

Benefit payable if, due to an injury sustained during Your journey, You are unable to work on Your return to Australia.

Maximum Benefit Limit

International
$9,000+

8 Disability and Accidental Death*

Benefit payable if, due to an injury sustained during your journey, you suffer total loss of sight in one or both eyes or total loss of the use of a limb, or your death.

Maximum Benefit Limit

International
$25,000+

9 Transport Hijacking*

$1,000 for each 24 hour period You are forcibly detained on a hijacked public transport vehicle.

Maximum Benefit Limit

International
$8,000

10 Personal Liability

Cover for legal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons.

Maximum Benefit Limit

International
$2,500,000


~ Medical and dental cover and related expenses will not exceed 12 months from the onset of the illness or injury.
° Cover chosen applies per policy. Refer to Full PDS.
# You can choose $200, $400, $600, $800 or $1,500.
^ Additional cover available. Refer to Full PDS.
+ Maximum liability collectively for Sections 7 and 8 is $25,000 on the International Plan and $10,000 on the Domestic Plan.
* Sub-limits apply. Refer to Full PDS