Travel Insurance Benefits with Travel Insurance Direct

This is a Summary of Benefits - exclusions and conditions apply as detailed in the policy wording. Not all Plans have all these benefits - the Schedule of Benefits identifies the benefits for each Plan. Please read the policy wording carefully and in full.

^MEDICAL EXPENSES INCURRED OVERSEAS

Medical, emergency dental, hospital and ambulance costs and when agreed by us, medical evacuation home or to the nearest appropriate medical facility. Includes funeral and repatriation of mortal remains.

^CANCELLATION COSTS

Financial loss due to unforeseen cancellation of pre-paid travel and accommodation arrangements. Includes conference/course fees not refunded as well as travel agency cancellation fees charged.

^FREQUENT FLYER POINTS

Cover extends to pay the equivalent if you lose frequent flyer or equivalent points which you used to purchase your travel.

^ADDITIONAL EXPENSES

Expenses you incur due to you not being able to continue your travel due to the injury or illness of you or one of your travelling companions. Also expenses you incur if your transport is delayed due to severe weather or accident.

^LOSS OF INCOME

If you cannot return to your usual employment when your travel is completed due to an accidental injury suffered whilst you were away.

^OUT OF POCKET EXPENSES

Cash payments if you are hospitalised.

^TRAVEL DELAY

Meals and accommodation expenses due to transport delay.

^RETURN AIRFARE

If the major part of your travel has been interrupted by you being hospitalised and you need to be escorted home, reimbursement of your return airfare.

^RESUMPTION OF TRIP

Transport costs to resume your travel if you had to return to Australia due to the hospitalisation of a relative.

^SPECIAL EVENTS

If your travel is interrupted and you will not get to a specified event in time, reasonable additional cost of using alternative public transport to arrive at the destination on time.

^RENTAL VEHICLE

Cover for the rental vehicle excess if you have an accident or your vehicle is stolen, including costs to return a vehicle if you are unfit to do so.

^DOMESTIC PETS

Additional boarding fees if you are delayed from returning home due to something happening to you that is covered by this insurance, including veterinary fees if your pet is injured whilst you are away.

^TRIP DISRUPTION

Additional transport and accommodation expenses if disaster strikes your home whilst you are away.

^HIJACKING

Loss of prepaid travel if you decide to end your travel following a hijacking incident.

^ALTERNATIVE STAFF

If you are travelling on business and due to injury or illness you cannot complete your business commitments, costs to replace you with an alternative employee.

^WITHDRAWAL OF SERVICES

Additional costs you incur if the accommodation you are staying at is affected by industrial action or extended water and electricity supply failures.

^SNOW SKIING COVER

Cover for loss, theft or damage to ski equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your ski equipment and if the resort you are staying at is closed, payment for alternative activities. Includes loss of prepaid lift passes, hire expenses and tuition fees if you cannot ski due to Sudden Illness or Serious Injury.

^GOLFING COVER

Cover for loss, theft or damage of golfing equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your golf equipment. Includes loss of prepaid green fees, hire expenses and tuition fees if you cannot play golf due to Sudden Illness or Serious Injury.

^ACCIDENTAL DEATH

Payment to your estate for accidental death.

^LUGGAGE AND PERSONAL EFFECTS

Accidental loss, damage or theft of your possessions. Includes emergency expenses if your luggage is delayed and losses due to fraudulent use of lost or stolen credit cards, travellers cheques. Note: exclusions in relation to Luggage stolen from a vehicle.

^REPLACEMENT PASSPORT

Additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.

^PERSONAL LIABILITY

Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.

^TOTAL PERMANENT DISABILITY

Insurance Cover if you suffer injury resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more limbs.

^BUSINESS COVER

Additional insurance cover for your laptop, mobile phone, palm top and other business equipment including hiring replacement items. Includes costs to recreate business documents and presentations lost or damaged during your travel.