Travel Insurance
Choose & Go Travel Insurance
Travel Insurance is not compulsory… but it is essential
This is only a summary of Toursafe Travel Insurance cover. Please contact us on 1300 888 172 for full details and conditions of this policy, and for other policies including Mature Age Travel Insurance (for travellers 70 years and over) and for persons with existing health disorders.
Plan Selection
Key Benefits of your Policy
24 Hour World-Wide Emergency Assistance
PLAN SELECTION
International travel plans (F12, C12, D12, E12)
- You should select the travel plan designated for your destination.
- If you have a multiple destination itinerary you should select the travel plan for the destination where you will spend the majority of your trip overseas (except where you will spend more than 96 hours of your trip in the continents of North America, South America or Antarctica).
- If you will spend more than 96 hours of your trip in the continents of North America, South America or Antarctica then you must select the Platinum Plan
| Platinum: | travel to USA, Canada, Mexico, Central & South America and Antarctica |
| Gold: | travel to Europe, Ireland, Japan, Middle East, Africa, Mauritius, Scandinavia and Russia |
| Silver: | travel to Asia, India, Sub-Continent, United Kingdom, Indonesia and China |
| Bronze: | travel to South West Pacific, Norfolk Island, New Zealand & Bali |
Domestic Travel Plan (Q12):
Travel within Australia (including Lord Howe Island, Coco Island, Christmas Island). You also have the option to increase the level of Cancellation cover up to a maximum of $20,000 for single cover and $40,000 for family cover. An extra premium of $25 is payable for each $1,000 of additional Cancellation cover required.
Domestic Cancellation and Emergency Expenses Plan: (Plan PH12 & PL12):
This is an optional plan for travel within Australia (including Lord Howe Island, Cocos Island, Christmas Island). This provides basic but essential cover for loss of non-refundable pre-paid travel arrangements as well as emergency expenses. Cover is restricted to Policy Sections A, B, C, D (not D4) G1 & G2 & N.
Travel on Cruise Liners
Travellers on domestic cruises may take Bronze Plan as there may be circumstances where overseas medical cover can be provided. Travel in cruise liners on the South Pacific should take Bronze Plan.
Travellers cruising in other worldwide locations need to take the plan specified for the port of departure.
SINGLE AND FAMILY COVER
We offer single and family cover and premium on each International and Domestic Travel Plans.
Single Cover:
One adult including financially dependent children under 25 years travelling with you.
Family Cover:
Any two adults named on the policy travelling together, includes spouse, defacto or adult travelling companion plus financially dependent children or grandchildren under 21 years of age travelling with you.
Policy extension
The Toursafe Travel Insurance policy can be extended as many times as you need up to a total of 12 months from the date of departure. However, any Existing Health Disorder cover is limited to the term of the original policy.
Bonus days
Bonus days are available on international plans only. They must be taken up during the term of the original policy and cannot be included in an extension. There are no bonus days available on a 12 month policy.
Sports & Adventure Cover
Most amateur sports and adventure activities are covered at no extra cost on ALL plans. Activities covered include snow skiing, bungee jumping, para-sailing, water skiing, white water rafting, trekking, cycling and hot air ballooning.
KEY BENEFITS OF YOUR POLICY
A summary of some of the key benefits of your insurance policy can be found below.
You should be aware that exclusions do apply. For detailed information about the benefits, exclusions, the circumstances under which and times benefits are provided and the process for making a claim, please read the full Policy Wording section of the Toursafe Travel Insurance policy - available on request.
Cancellation Fees and Lost Deposits
Charges incurred by unforeseen circumstances outside your control such as sickness or accident, retrenchment, strikes and cancellation of annual leave by your employer. Includes Travel Agents' fees and Reimbursement for frequent flyer points lost.
Overseas medical, hospital, cash in hospital, dental and related expenses
Medical, dental and accommodation costs and, when agreed to by us (Toursafe Travel Insurance), your early return to Australia for medical reasons. Note that Medical cover is not provided under plans PH12, PL12, Q12.
Cash in Hospital
After 48 hours hospitalisation overseas we will pay you $50 for every 24 hours you are confined for out-of-pocket expenses and other comforts. This is in addition to your medical and hospital costs.
Luggage
Covers accidental loss, theft or damage to your luggage, including duty-free purchases and loss or fraudulent use of credit cards.
Limits apply to any one item of luggage:
$600 under International Plans
$500 under Q12 Domestic Plan
Special limits apply for camera, video camera, laptop computer equipment, and set of golf clubs:
$3,000 under International Plans
$500 under Domestic Plan Q12
Sporting Equipment
Sporting Equipment is covered for loss or damage as part of your luggage up to the limit specified in your selected plan but is not covered when in use. Items included are surfboards, boogie boards, skis, snowboards and tennis racquets. Golf clubs are covered at the higher limit per plan. We will also pay for the hire of replacement golf clubs and ski gear in the event that your equipment is delayed.
Luggage Specified Items
Cover on items worth more than the limits shown (including sporting equipment and cameras) can be arranged up to a maximum $4,000 for any one item or set within a maximum of $8,000 in total by paying an additional premium of 4% on the Insured value of these specified items.
Receipts for purchase or valuations (not more than twelve months old), must be produced to your travel agent before issue of the Certificate of Insurance and again to the Insurer in support of any Claim that may occur.
Emergency cover if luggage is delayed
Note that Luggage cover is not provided under plans PH12 & PL12.
Emergency Expenses
Cover for Additional Accommodation, Meal and Travelling Expenses including emergency personal telephone calls if your trip is disrupted.
Travel Delay
Cover for reasonal accommodation and meals if you are delayed by carriers for more than ten hours.
Resumption of Trip
Cover for expenses to resume your original trip should you return to Australia with our consent following the death, or sudden Serious Injury or Illness, of you, your Travelling Companion or a Relative or close business associate. Does not apply to one way tickets. (Not applicable to Plans PH12, PL12 or Q12.)
Home Help
If you have been hospitalised overseas for more than 10 days and we have repatriated you back to Australia we will provide assistance (up to $1,500 for single cover and $3,000 for family cover) provided by a company providing housekeeping or similar services registered for GST in Australia. This benefit does not extend to home nursing. (Not applicable to Plans PH12, PL12 & Q12.)
Accidental Death
Occuring as a result of an accident - includes in-flight cover. Note that Accidental Death cover is not provided under plans PH12 & PL12.
Your liability for causing loss or damage to property, injury or death
Protection for you being liable for injuring other persons or causing damage to their property and, most importantly, your legal expenses are included. Note that Liability cover is not provided under plans PH12 & PL12.
Rental vehicle collision damage and theft excess cover
Rental car companies apply an excess in case of accident, damage or theft to the rental vehicle during the rental period. Your policy provides cover for this up to an amount of $4,000.
Please note that conditions and exclusions apply to this cover. The hiring agreement must incorporate comprehensive motor insurance against loss or damage to the rental vehicle.
You also have the option to increase the level of excess cover up to a maximum of $6,000. An extra premium of $15 is payable for each $500 of additional excess cover required. Note that Rental Vehicle Excess cover is not provided under plans PH12 & PL12.
Loss of Income
Provides compensation if you are unable to resume work upon your return. Note that Loss of Income cover is not provided under plans PH12 & PL12 & Q12 .
General Exclusions
In addition to the specific exclusions which appear in the Sections referred to above, your Policy Wording also contains general exclusions. Please refer to Section C (available on application) of your Policy Wording titled ‘Losses not insured under any Section of the policy’.
24 HOUR WORLD-WIDE EMERGENCY ASSISTANCE IS AVAILABLE
Contact us to receive a copy of Toursafe Travel Insurance policy wording and Product Disclosure Statement that includes Schedule of Benefits and Premiums with Financial Services Guide. By choosing Toursafe Travel Insurance, you have direct access to vital services before and during your journey.
