comprehensive
Plan A comprehensive provides insurance for persons travelling internationally, including substantial cancellation, luggage, medical & repatriation cover. Cover applies 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 that there is no cover for medical cost incurred within Australia)
The cover for cancellation fees and lost deposits begins from the time the policy is issued.
| Section | Benefit | Single | Duo (per person) | Family |
|---|---|---|---|---|
| *1 | Cancellation Fees and Lost Deposits | unlimited | unlimited | unlimited |
| *2 | Overseas Emergency Medical Assistance | unlimited | unlimited | unlimited |
| 3 | Overseas Emergency Medical/Hospital Expenses | unlimited | unlimited | unlimited |
| - Dental Expenses (Per Person) | $500 | $500 | $500 | |
| *4 | Additional Expenses | $50,000 | $50,000 | $100,000 |
| *5 | Hospital Cash Allowance | $5,000 | $5,000 | $10,000 |
| *6 | Accidental Death | $25,000 | $25,000 | $50,000 |
| *7 | Permanent Disability | $25,000 | $25,000 | $50,000 |
| *8 | Loss of Income | $10,400 | $10,400 | $20,800 |
| 9 | Travel Documents, Credit Cards & Travellers Cheques | $5,000 | $5,000 | $10,000 |
| 10 | Theft of Cash | $250 | $250 | $250 |
| *11 | Luggage and Personal Effects | $12,000 | $12,000 | $24,000 |
| *12 | Luggage and Personal Effects Delay Expenses | $500 | $500 | $1,000 |
| *13 | Travel Delay Expenses | $1,000 | $1,000 | $2,000 |
| 14 | Alternative Transport Expenses | $5,000 | $5,000 | $10,000 |
| 15 | Personal Liability | $5 million | $5 million | $5 million |
| *16 | Rental Vehicle | $3,000 | $3,000 | $3,000 |
| *17 | Domestic Pets | $200 | $200 | $400 |
| *18 | Domestic Services | $200 | $200 | $400 |
| 19 | Snow Skiing/Golf Equipment Replacement | $200 | $200 | $400 |
*Sub-limits apply
Note: all benefits and premiums are in Australian dollars.
summary of benefits
This is only a Summary of Benefits. Please read the Combined FSG and PDS including policy wording (PDF 897KB) carefully for the complete details of "We Will Pay" and "We Will Not Pay" and which types of cover are provided under each plan. Importantly, please note that exclusions and limits apply to the cover and these are set out in the policy wording.
1. Cancellation Fees & Lost Deposits (pg. 29 to 30)
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
Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit
2. Overseas Emergency Medical Assistance (pg. 31)
Cover for emergency medical assistance including:
- 24 Hour Emergency Medical Assistance
- Ambulance - Medical Evacuations
- Funeral Arrangements - Messages to family
- Hospital Guarantees
- Dental Expenses - $500 limit per person
Single/Duo Plan: Unlimited Benefit - sublimits apply
Family Plan: Unlimited Benefit - sublimits apply
3. Overseas Emergency Medical/Hospital Expenses (pg. 32 to 33)
Cover for overseas medical treatment if you are injured or become sick overseas, including:
- Medical
- Hospital
- Surgical
- Nursing
Emergency dental treament for the relief of sudden and acute pain.
Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit
4. Additional Expenses (pg. 33 to 34)
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
Single/Duo Plan: $50,000
Family Plan: $100,000
5. Hospital Cash Allowance (pg. 35)
An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours
Single/Duo Plan: $5,000
Family Plan: $10,000
6. Accidental Death (pg. 35 to 36)
A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury
Single/Duo Plan: $25,000
Family Plan: $50,000
7. Permanent Disability (pg. 36)
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
Single/Duo Plan: $25,000
Family Plan: $50,000
8. Loss of Income (pg. 36 to 37)
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
Single/Duo Plan: $10,400
Family Plan: $20,800
9. Travel Documents, Credit Cards & Travellers Cheques (pg. 37)
Cover to replace costs of travel documents lost or stolen from you during your journey, such as:
- Passports
- Credit Cards
- Travel Documents
- Travellers Cheques
Single/Duo Plan: $5,000
Family Plan: $10,000
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
Single/Duo Plan: $250
Family Plan: $250
11. Luggage and Personal Effects (Additional Cover Options Available) (pg. 38 to 40)
Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:
- Luggage
- Spectacles
- Personal Effects
- Personal Computers
- Cameras
Single/Duo Plan: $12,000
Family Plan: $24,000
12. Luggage and Personal Effects Delay Expenses (pg. 40 to 41)
An allowance to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours
Single/Duo Plan: $500
Family Plan: $1,000
13. Travel Delay Expenses (pg. 41)
Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hours delay.
Single/Duo Plan: $1,000
Family Plan: $2,000
14. Alternative Transport Expenses (pg. 42)
Cover for additional travel expenses following transport delays to reach events such as:
- Wedding
- Funeral
- Conference
- Sporting Event
- Pre-paid travel/tour arrangements
Single/Duo Plan: $5,000
Family Plan: $10,000
15. Personal Liability (pg. 42 to 43)
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
Single/Duo Plan: $5 million
Family Plan: $5 million
16. Rental Vehicle (Additional Cover Options Available) (pg. 43 to 44)
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
Single/Duo Plan: $3,000
Family Plan: $3,000
Cover for additional boarding kennel or cattery fees resulting from your delayed return home. Also veterinary fees if your pet is injured whilst you are away.
Single/Duo Plan: $200
Family Plan: $400
18. Domestic Services (pg. 45)
Cover for house keeping services following injury disablement continuing upon your return home.
Single/Duo Plan: $200
Family Plan: $400
19. Snow Skiing and Golf Equipment Replacement (pg. 45)
Cover for hire of alternative Snow Skiing and Golf Equipment following accidental loss, theft or breakage of Snow Skiing and Golf Equipment.
Single/Duo Plan: $200
Family Plan: $400
*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST
RACV Sales and Marketing Pty Ltd ABN 11 005 258 702 Authorised Representative 270432 is an authorised representative of ETI Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz), ABN 15 000 122 850, AFSL 234708 and is arranged and managed by ETI Australia Pty Ltd. You should consider the Product Disclosure Statement before making any decisions about this product.
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