comprehensive travel insurance
Plan A comprehensive travel insurance provides travel 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 | $25,000 | $25,000 | $50,000 |
| *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 | $4,000 | $4,000 | $4,000 |
| *17 | 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 the benefits. Please read the Combined FSG and PDS including policy wording (PDF 673KB) carefully for complete details of what We will pay and We will not pay and which of the benefits are provided under each plan (see pages 31 to 47). Importantly, please note that exclusions do apply as well as limits to cover.
1. Cancellation Fees & Lost Deposits (pg. 31 to 33)
Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you and which are outside your control, such as:
- Sickness
- Injuries
- Strikes
- Collisions
- Retrenchment
- Natural Disasters
Single/Duo Plan: Unlimited Benefit*
Family Plan: Unlimited Benefit*
2. Overseas Emergency Medical Assistance (pg. 33 and 34)
Cover for emergency medical assistance while you are Overseas including:
- 24 Hour Emergency Medical Assistance
- Ambulance
- Medical Evacuations
- Funeral Arrangements
- Messages to family
- Hospital Guarantees
Single/Duo Plan: Unlimited Benefit*
Family Plan: Unlimited Benefit*
3. Overseas Emergency Medical/Hospital Expenses (pg. 34 and 35)
Cover for Overseas emergency 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
Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit
4. Additional Expenses (pg. 35 to 37)
Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:
- Sickness
- Injury
- Death
Also cover for your Travelling Companion’s or Relative’s accommodation and travel expenses to travel to, stay near or escort you resulting from:
- Hospitalisation
- Medical Evacuation
Single/Duo Plan: $25,000*
Family Plan: $50,000*
5. Hospital Cash Allowance (pg. 37 and 38)
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while Overseas.
Single/Duo Plan: $5,000*
Family Plan: $10,000*
A death benefit is payable to your estate if you die because of an Injury you sustained during your Journey within 12 months of that Injury.
Single/Duo Plan: $25,000*
Family Plan: $50,000*
7. Permanent Disability (pg. 38 and 39)
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 (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an Injury you sustained during your Journey.
Single/Duo Plan: $25,000*
Family Plan: $50,000*
A weekly loss of income benefit is payable if you become disabled within 30 days of an Injury you sustained during your Journey, and you are still unable to work for more than 30 days after returning to Australia.
Single/Duo Plan: $10,400*
Family Plan: $20,800*
9. Travel Documents, Credit Cards & Travellers Cheques (pg. 40)
Cover for the replacement 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
10. Theft Of Cash (pg. 40 and 41)
Cover for the following items stolen from your person:
- 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. 41 to 43)
Cover for replacing stolen Luggage and Personal Effects 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. 43 and 44)
Cover to purchase essential items of clothing and other personal items following your Luggage and Personal Effects being 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. 44)
Cover for additional meals and accommodation expenses, after an initial 6 hour delay, if your Journey is disrupted due to circumstances beyond your control.
Single/Duo Plan: $1,000*
Family Plan: $2,000*
14. Alternative Transport Expenses (pg. 45)
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. 45 and 46)
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. Reimbursement of Rental Vehicle Excess (Additional Cover Options Available) (pg. 46 and 47)
Cover for the excess payable on your Rental Vehicle’s motor vehicle insurance resulting from the Rental Vehicle being:
- Stolen
- Crashed
- Damaged
And/or the cost of returning the Rental Vehicle due to you being unfit to do so.
Single/Duo Plan: $4,000*
Family Plan: $4,000*
17. Snow Skiing and Golf Equipment Replacement (pg. 47)
Cover for the hire of alternative snow skiing and golfing equipment following the accidental loss, theft of or damage to snow skiing and golfing equipment owned by you.
Single/Duo Plan: $200*
Family Plan: $400*
*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST
*Sub- limits apply - refer to "your policy cover" pages 31 - 47 for details of what We will pay and what We will not pay, and which types of cover are provided under each plan. Importantly, please note that exclusions do apply as well as limits to the cover.
RACV Sales and Marketing Pty Ltd ABN 11 005 258 702 Authorised Representative 270432 is an authorised representative of AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFSL 234708. This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 and arranged and managed by AGA Assistance Australia Pty Ltd. You should consider the Product Disclosure Statement before making any decisions about this product.
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