All benefit limits ($) are for international travel and not domestic

1 Overseas Medical And Dental

Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. $10,000,000 Medical cover will not exceed 12 months from onset. Combined benefit for medical dental and additional expenses (2)

2 Additional Expenses

Cover for additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes. Additional Expenses has an overall claim of $10, 000, 000 inconjunction with Overseas Medical and Dental.

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.$10,000

4 Luggage And Travel Documents

Luggage – cover for loss, theft or damage.
Travel documents – cover for replacement cost if lost or stolen.
$3,000 Item limits apply –

Please view - Increase Luggage Item Limits 

5 Delayed Luggage Allowance

Cover for the cost of essential emergency purchases overseas if all your luggage is delayed by a transport provider. $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. $Nil
Unless purchased as an extra cover option –

Increase Rental Car Insurance Excess Cover

Motorcycle / Moped Riding

7 Travel Delay

Cover for additional accommodation expenses if your scheduled transport is delayed over 6 hours.  Nil.

8 Special Events

Covers additional costs to get you to a special event (as defined) if you would miss it due to unforeseen circumstances outside your control. $Nil

9 Cash In Hospital

$20 per night if you are hospitalised overseas due to a disabling injury or sickness provided you are in hospital for at least 48 hours. $1,000

10 Hijacking

$200 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle. $2,000 

11 Loss Of Income

Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia. $Nil

12 Disability

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. $Nil

13 Accidental Death

Benefit payable (to your estate) if you die due to an injury sustained during your journey. $10,000
Up to $1,000 per accompanied child

14 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. $1,000,000

15 Medical And Dental Expenses In Australia

Cover for hospital, medical and emergency dental expenses incurred in Australia, provided you are not an eligible person within the meaning of the Health Insurance Act.only for Area 6, $1,000,000
Medical cover will not exceed 12 months from onset.

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If you have any questions please call Covermore on 1300 72 88 22