Cancellation & curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement

Emergency overseas medical expenses

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

• emergency medical, surgical and hospital treatment and transportation.
• repatriation to your normal country of residence including air ambulance.
• emergency dental treatment to natural teeth
• additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
• additional travel and accommodation expenses for:
  1. a travelling companion to stay with you and accompany you home; or
  2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
• returning your remains to your home or a funeral in the country where you died.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability

We will pay costs incurred if you are held legally liable for causing:

• accidental bodily injury to someone else, and/or
• accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

• the failure of public transport, or
• a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Delay, loss or damage to baggage

Cover for loss, theft or damage to:

• your personal effects.
• your valuables.

Valuables includes items such as cameras, mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. ie essentials = $250; excel = $500; excel plus = $750 (see below).

Excel Plus - Please note that this policy has a total limit of $750 for valuables (as defined in the policy wording) and a limit of $500 for any one item, pair or set. However, this limit is increased to $2,000 where that item is a laptop, notebook, hand held computer, camera or video camera. We maybe able to increase the limit for an item at an additional premium. Please contact travel@insure4less.com.au for more information.

You are also covered in respect of emergency purchases for the reasonable cost of buying immediate necessities if your luggage is lost, misdirected or misplaced by a carrier for at least 24 hours on an outward leg of your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement

Personal money & loss of passport

Cover for

• loss or theft of personal money.
• loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Legal advice and expenses

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay & abandonment

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 12 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal accident

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Out of pocket expenses 

Please note that your cost of staying in hospital is covered under the medical expenses section. In addition to these medical expenses we will compensate you for each full 24 hours spent as an in-patient in a hospital outside your normal country of residence. This is to cover those incovenient costs of staying in a hospital such as buying magazines and drinks.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hijack (per day)

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

• fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
• local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
• hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable. civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Car rental excess waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

 

Search & rescue

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

• searching for you;
• rescuing you;
• recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip

Cost of flights purchased to resume your trip if during the period of insurance:

• you are repatriated to your normal country of residence under the provisions of this policy; or
• you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Mugging

We will pay you compensation, if you sustain actual bodily injury as a result of a mugging attack during your trip resulting in medical treatment necessitating admission to an overseas hospital.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel carrier insolvency

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:

• The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
• The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.