Certificate of insurance
The latest certificate of insurance we have given you. It includes your insurance account. It sets out the information you have given us on which we have based our decision to insure you as well as the individual details of your policy.
Personal baggage and travel documents
We’ll cover you for loss, damage or theft of your personal baggage, clothing or personal effects including cash, travel documents and credit cards. We’ll either repair or replace the item, or pay what it would cost us to repair or replace the item.
Overseas medical and dental expenses
- Unlimited reasonable medical expenses due to injury or illness occurring during your journey
- Dental expenses incurred due to an injury sustained on your journey, up to $1,000 for a single policy and $2,000 for a family policy.
Hire car insurance excess
If you have hired a car and taken out insurance on it and you need to make a claim, we’ll cover your hire car insurance excess.
We’ll cover you for an unlimited number of trips per year, with a maximum of 90 days per trip.
Substitute person to complete your business
We’ll cover the reasonable transport and accommodation expenses for a substitute person to complete the business purpose you intended to perform during your journey if you suffer an injury or illness on your journey and as a result cannot perform your intended business purpose.
Loss of income cover
We’ll pay you for your loss of income if you are injured during your journey and are unable to perform your normal work in Australia as a result of this injury.