“Select-A-Benefit” provides travel insurance for you to travel internationally as well as within Australia. Our benefits for cancellation costs, overseas medical, hospital and repatriation expenses, additional expenses and luggage and personal effects offers you the choice to select the amount you wish to be covered for. For travel within Australia there is no cover provided for overseas medical, hospital and repatriation expenses. If you purchase a policy, your cover begins from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.

Note: the cancellation benefit is a pre-travel benefit that covers you from the moment you buy your policy.

This is a summary of the benefits and limits that apply. Please read the Combined Financial Services Guide and Product Disclosure Statement (Including Policy Wording) carefully for the complete details of "We will pay" and "We will not pay" for each of the benefits you selected. Importantly, please note that exclusions do apply as well as limits to the cover.
Benefit Group Section Benefits Limit per Adult
1) Cancellation Fees and Lost Deposits *1) Cancellation Fees and Lost Deposits Amount you select
2) Overseas Medical, Hospital and Repatriation *2a) Overseas Emergency Medical and Hospital Expenses Amount you select
  Dental Expenses $500
*2b) Overseas Emergency Medical Assistance Amount you select
*2c) Hospital Cash Allowance $5,000
3) Luggage and Personal Effects *3a) Luggage and Personal Effects Amount you select
3b) Travel Documents, Credit Cards and Travellers Cheques $5,000
3c) Theft of Cash $250
*3d) Luggage and Personal Effects Delay Expenses $250
4) Additional Expenses *4a) Additional Expenses Amount you select
*4b) Travel Delay Expenses $1,000
*4c) Alternative Travel Expenses $5,000
5) Ancillary Benefits *5a) Accidental Death $25,000
*5b) Permanent Disability $25,000
*5c) Loss of Income $10,400
5d) Personal Liability $5,000,000
*5e) Rental Vehicle $3,000
*5f) Domestic Pets $500
*5g) Domestic Services $500
*: Sub-limits may apply

summary of benefits

This is only a summary of the benefits. Please read the policy wording carefully for the complete details of 'We Will Pay' and 'We Will Not Pay' for each benefit you selected as shown on your Certificate of Insurance. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the Combined Financial Services Guide and Product Disclosure Statement (Including Policy Wording).
Benefit Group 1 Cancellation and Lost Deposits

Section 1. Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters

Benefit Limit: Amount you Selected
Benefit Group 2 Overseas Medical, Hospital and Repatriation Expenses

Section 2a. Overseas Emergency Medical and Hospital Expenses

Cover for overseas medical treatment if you are injured or become sick overseas, including:

  • Medical
  • Hospital
  • Surgical
  • Nursing
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth to a maximum of $500.

Benefit Limit: Amount you Selected


Section 2b. Overseas Emergency Medical Assistance, Medical Evacuation or Funeral Expenses

Cover for emergency medical assistance including:

  • 24 Hour Emergency Medical Assistance
  • Ambulance - Medical Evacuations
  • Funeral Arrangements - Messages to family
  • Hospital Guarantees
  • Funeral Expenses to a maximum of $15,000

Benefit Limit: Amount you Selected


Section 2c. Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours.

Benefit Limit: $5,000
Benefit Group 3 Luggage and Personal Effects

Section 3a. Luggage and Personal Effects

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Personal Computers
  • Cameras

Benefit Limit: Amount you Selected


Section 3b. Travel Documents, Credit Cards & Travellers Cheques

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Credit Cards
  • Travel Documents
  • Travellers Cheques

Benefit Limit: $5,000


Section 3c. Theft Of Cash

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

Benefit Limit: $250


Section 3d. Luggage and Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours

Benefit Limit: $250
Benefit Group 4 Additional Expenses

Section 4a. Additional Expenses

Cover for additional accommodation and travel expenses caused by your health problems or someone else’s resulting from:

  • Sickness
  • Accidental injury
  • Death

Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:

  • Hospitalisation
  • Medical Evacuation

Benefit Limit: Amount you Selected


Section 4b. Travel Delay Expenses

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Benefit Limit: $1,000


Section 4c. Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as:

  • Wedding
  • Funeral
  • Conference
  • Sporting Event
  • Pre-paid travel/tour arrangements

Benefit Limit: $5,000
Benefit Group 5 Ancillary Benefits

Section 5a. Accidental Death

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury

Benefit Limit: $25,000


Section 5b. Permanent Disability

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey

Benefit Limit: $25,000


Section 5c. Loss Of Income

A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days

Benefit Limit: $10,400


Section 5d. Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Benefit Limit: $5,000,000


Section 5e. Rental Vehicle

Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being:

  • Stolen
  • Crashed
  • Damaged

and/or cost of returning rental vehicle due to you being unfit

Benefit Limit: $3,000


Section 5f. Domestic Pets

Cover for additional boarding and kennel or cattery fees resulting from your delayed return home. Also veterinary fees if your pet is injured whilst you are away.

Benefit Limit: $500


Section 5g. Domestic Services

Cover for house keeping services following injury / disablement continuing upon your return home.

Benefit Limit: $500

*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST