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What does my travel insurance cover?

If you’re booking a holiday, in Australia or overseas, you have a choice of plans and travel insurance options.

Basic
(Per person)
Essentials
(Per person)
Comprehensive
(Per person)
Annual Multi-Trip
(Per person)
Cancellation fees, lost deposits & curtailment
Nil $5,000 $20,000 $20,000

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Overseas medical expenses
Unlimited Unlimited Unlimited Unlimited

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth.
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home.
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Medical Cover
Included Included Included Included

Available for domestic and international travel, Boomers Travel Insurance Plans include unlimited cover for medical costs incurred onboard as well as unlimited evacuation cover.

Emergency dental treatment
$500 $500 $500 $500

Necessary and reasonable costs incurred following an infection or broken tooth and which treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional expenses
$25,000 $50,000 $75,000 $100,000

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:

  1. a travelling companion to stay with you and accompany you home; or
  2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional expenses (domestic travel within Australia)
$25,000 $25,000 $25,000

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:

  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Personal liability
Nil $2,500,000 $7,500,000 $7,500,000

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else and/or
  • accidental loss or damage to someone else’s property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed departure/connection
Nil $500 $1,000 $1,000

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage and personal effects
Nil $2,500 $5,000 $5,000

Cover for loss, theft or damage to:

  • your personal effects
  • your valuables

Valuables includes such items as mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Total limit for valuables
Nil $250 $750** $750**
Maximum per item, pair or set
Nil $250 $500 $500
Emergency purchases
Nil Nil $350 $350

We will reimburse you up to the amount shown in respect of emergency purchases for the reasonable cost of buying immediate necessities if your baggage is lost, misdirected or misplaced by a travel carrier for at least 24 hours on an outward leg of your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Personal money, travel tickets & passports
Nil Nil $1,000 $1,000

Cover for:

  • loss or theft of personal money.
  • loss, theft or damage to passport or visas in respect of the cost of emergency replacement or temporary passport or visas obtained while overseas including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cash
Nil Nil $500 $500

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Loss of passport
Nil Nil $500 $500
Travel delay
Nil Nil $100/$50/$500 $100/$50/$500

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the Cancellation & Curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Abandonment of trip
Nil Nil $5,000 $5,000

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the Cancellation & Curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Accidental death/disability
Nil Nil $20,000 $20,000

Cover if you have an accident while you are on your trip and which is the sole and independent cause of your death, permanent total disability, loss of sight or loss of limb(s) within twelve months of the accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Hospital cash allowance (per day)
Nil Nil $2,000($75) $2,000($75)

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence.

This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Highjack
Nil Nil $5,000($75) $5,000($75)

Cover for each 24-hour period that the aircraft or sea vessel in which you are travelling is highjacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Catastrophe cover
Nil Nil $700 $700

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Car rental excess waiver
Nil Nil $3,000 $3,000

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident while you are the driver or if it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Search and rescue expenses
Nil Nil $5,000 $5,000

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their:

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Resumption of trip
Nil Nil $2,000 $2,000

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Mugging
Nil Nil $250 $250
Travel carrier insolvency
Nil Nil $5,000 $5,000

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a travel carrier with which you booked to travel:

  • the value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed travel carrier or at the choice of the underwriters.
  • the reasonable cost of rearranging your trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the trip been cancelled.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Excess
$200 $200 $200 $200

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and therefore the uninsured portion of your loss.

* For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement and our Target Market Determination before purchasing this insurance product.

Stay safe, travel smart

Consider the Product Disclosure Statement and Target Market Determination to decide if Boomers Travel Insurance is right for you.