Travel Insurance - Comprehensive (International)

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Travel Insurance is available today with our Comprehensive (International) Plan for Australian residents 65 years of age or under. This travel insurance policy is ideal for those travellers, holiday makers, or even backpackers who want a higher level of cover then our Backpakers (International) Plan.

The Comprehensive (International) Plan offers you extensive cover: Medical and Repatriation (unlimited), Hospital Cash Allowance, Accidental Death (max benefit $30,000), Travel Delay Allowance and Alternative Transport Expenses, Permanent Disability, Personal effects and Luggage, Cancellation and Curtailment, Personal liability ($5,000,000), Theft of Cash. If you are an Australian or a permanant resident of Australia, and want travel insurance, we may have the policy for you.

This Comprehensive (International) Plan is underpinned by a 24 hour, 365 days a year emergency phone line and is underwritten by Allianz Australia Insurance Limited (Allianz). It provides cover, like all of our policies, for many different types of sporting or leisure activities at no additional premium.

Following is a Table of the benefits and their maximum limits. All benefit limits and Excesses are in Australian Dollars (AUD). Refer to "Your Policy Cover" pages 32 to 51 for details of what "We Will Pay" and what "We Will Not Pay" and which types of cover are provided under each Plan.		Maximum Benefit Limits
		PLAN A - Comprehensive (International)
Policy Sections & Benefits		Single / Duo**	Family
1*	Cancellation Fees and Lost Deposits	$10,000	$20,000
2*	Overseas Emergency Medical Assistance	unlimited	unlimited
3	Overseas Emergency Medical and Hospital Expenses	unlimited	unlimited
	Dental Expenses (per person, per Journey)	$750	$750
4*	Additional Expenses	$10,000	$20,000
5*	Hospital Cash Allowance	$2,000	$4,000
6*	Accidental Death	$30,000	$60,000
7*	Permanent Disability	$50,000	$100,000
8*	Loss of Income#	-	-
9	Travel Documents, Credit Cards and Travellers Cheques	$1,000	$2,000
10	Theft of Cash, Bank Notes, Currency Notes, Postal Orders or Money Orders	$500	$500
11*	Luggage and Personal Effects++	$5,000	$10,000
12	Luggage and Personal Effects Delay Allowance	$250	$500
13*	Travel Delay Allowance	$1,000	$2,000
14	Alternative Transport Expenses	$3,000	$6,000
15	Personal Liability	$5,000,000	$5,000,000
sub-limits apply - refer "Policy Cover" pages 32 to 51 of your policy wording. *Duo cover - Single cover Benefits apply per insured person. #These Sections are available under separate cover packages - see "Additional Options" pages 14 to 15. ++The Maximum Benefit Limit for this Section can be increased by paying an additional premium.

The following "Additional Options " can be purchased

Business Cover - Upon payment of an additional premium, the following cover can be added to your policy if you have taken out Plans A or B:

		Maximum Benefit Limits
		PLAN A - Comprehensive (International)		PLAN B - (Australia Only)
Policy Sections & Benefits		Single / Duo**	Family	Single / Duo**	Family
8*	Loss of Income	$10,400	$20,800	$5,200	$10,400
17	Alternative Staff	$2,500	$2,500	$1,000	$1,000
18	Business Equipment	$5,000	$5,000	$2,500	$2,500
19*	Hire Business Equipment	$1,000	$1,000	$500	$500
20	Recreate Business Documents	$1,000	$1,000	$500	$500
sub-limits apply - refer "Policy Cover" pages 32 to 51 of your policy wording. *Duo cover - Single cover Benefits apply per insured person.

Snow Cover - Upon payment of an additional premium, the following cover can be added to your policy if you have taken out Plans A or B:

		Maximum Benefit Limits
Policy Sections & Benefits		Single / Duo**	Family
21	Emergency Rescue	unlimited	unlimited
22	Theft of/Damage to Own Ski Equipment	$1,500	$3,000
23	Snow Ski Hire Equipment	$1,500	$3,000
24	Ski Pack	$750	$1,500
25*	Piste Closure	$1,000	$1,000
26	Bad Weather and Avalanche Closure	$750	$1,500
sub-limits apply - refer "Policy Cover" pages 32 to 51 of your policy wording. *Duo cover - Single cover Benefits apply per insured person.

Increased Luggage & Personal Effects cover - Up to an additional $5,000 cover can be purchased for specified items (excluding jewellery) by paying an additional premium - receipts and/or valuations need to be provided. There is a $3,000 item limit for personal computers, video cameras and cameras, $1,000 each item for mobile phones (including PDAs and any items with phone capabilities) and a $750 item limit for all other items up to a total value of $5,000.
Removal of Standard Excess - You can remove the standard $100 Excess on Plans A, C, D, E, F & G by paying an additional premium.
Rental Vehicle Excess Cover - Cover for reimbursement of the Rental Vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody.
Rental Vehicle Excess Cover is covered as standard under Plans D & E. You can purchase $3,000 Rental Vehicle Excess Cover under Plans A, B, C, F or G by paying an additional premium.

INSTANT QUOTE

Price List ($)
Period	Region 1 South West Pacific, New Zealand, Papua New Guinea, Bali, Lord Howe Island & Norfolk Island	Region 2 Europe, United Kingdom, Africa, Middle East & Asia excluding Japan	Region 3 USA, Hawaii, Canada, South America and Japan	Domestic
5 Days	38.02	52.75	59.91	28.09
10 Days	42.05	62.09	73.74	35.12
17 Days	56.46	84.07	100.24	46.36
24 Days	73.74	101.10	119.25	56.19
35 Days	96.78	135.17	179.74	77.26
45 Days	117.52	173.08	228.13	98.33
2 Months	143.45	206.60	267.30	115.19
3 Months	197.02	245.62	346.23	143.28
4 Months	224.67	284.63	407.87
5 Months	262.12	332.98	468.93
6 Months	294.38	370.98	530.58
7 Months	338.81	431.34	610.65
8 Months	374.29	475.30	674.60
9 Months	409.45	513.76	737.97
10 Months	443.65	563.76	799.61
11 Months	481.68	614.31	868.16
12 Months	509.81	639.04	918.86

If you are travelling to multiple destinations that are in different Geographical Regions you must select the Geographical Region with the greatest number. This will cover travel in each of the Geographical Regions with a smaller number.

All Prices are in Australian Dollars and Government and State Taxes.

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