Comprehensive Travel Insurance
An overseas trip can be a major investment, and you want to be sure you’ll enjoy it to the full. Whether you’re planning the vacation of a lifetime or a business trip, the last thing you want is to be worrying about what might go wrong. With our Comprehensive Plan you’ll have extensive coverage to assist you with increased peace of mind.
Comprehensive Plan in brief*
With our Comprehensive Plan you’ll have our top cover for many things that could happen on your trip. Because the cost of getting medical treatment overseas could run to thousands of dollars we provide unlimited cover for medical assistance and hospital expenses. Other great benefits include cover for lost or stolen luggage and up to $10,000 for other additional expenses. We’ve even included up to $1m cover for personal liability, in case you cause an accident or injury to someone else.
If you apply online you can have your travel insurance cover within minutes. As soon as your policy is in place you’ll have instant cover for cancellation fees and lost deposits if you have to cancel your trip because of an illness or incident. The rest of your cover will automatically take effect from the start date of your trip, as shown on your policy document, and you’ll have full coverage until you’re safely back home.
When you’re travelling with your family you shouldn’t compromise on the quality of your insurance cover. We believe that peace of mind shouldn’t cost the earth, so we’ve tried to make sure even our top level of travel insurance cover is accessible, with an affordable family bundle. Most of the benefit limits under your Comprehensive Plan will be doubled if you buy family cover.
If the worst happens while you’re travelling and you need help, we’re here. Simply call our 24-hour global assistance line - at any time, from anywhere in the world - and our expert team will help you locate medical facilities, embassies or consulates; get in touch with your family; or organise an evacuation home.
All our travel insurance products have a 14-day cooling off period, so if you change your mind you can simply cancel your policy and get a full refund, provided you haven’t made a claim.
* See PDS for full details of terms and conditions and limits, sub-limits and exclusions that apply
Our comprehensive policy is our top level of travel insurance cover, at an affordable price, with coverage for the entire family for many situations.
With our Comprehensive Plan you’ll have the most extensive level of cover that we provide. If you fall ill or are injured while you’re travelling we’ll help you access medical help and pay the costs of any treatment you need (although pre-existing conditions will be excluded), subject to the terms and conditions of the policy.
Cover is also provided subject to the policy’s terms and conditions for costs caused by cancelled or delayed flights, and for the cost of replacing lost or stolen luggage.
All our travel insurance policies are accessible and affordable. We know you don’t want to compromise on cover, so we offer the option to lower your premiums by increasing the amount of excess you’ll pay if you need to make a claim.
If you’re heading to the snow or off on a cruise, you can easily get the extra cover you might need for setbacks like bad weather or cabin confinement, by purchasing the additional Snow Pack or Cruise Pack for a small extra premium.
Even if you have a medical condition that means we are unable to offer you cover for medical or hospital expenses, you may still be able to take out a Non-Medical Plan to provide you with cover for eventualities like trip cancellation or lost luggage.
Most trips go without a hitch and we hope that yours does too. But if something does go wrong you may need an insurance company who will act fast to provide assistance, which is why we offer a straightforward claims process and 24-hour emergency assistance line.
This table gives you a broad overview of the awesome benefits built into your comprehensive travel insurance policy. Check out the Product Disclosure Statement for full terms and conditions, and exclusions and limits that apply.
|Cancellation Fees and Lost Deposits*||$5,000||$10,000|
|Overseas Emergency Medical Assistance*||Unlimited||Unlimited|
|Overseas Emergency Medical and Hospital Expenses||Unlimited||Unlimited|
|Emergency Dental Expenses||$1,000||$1,000|
|Luggage and Personal Effects*||$5,000||$10,000|
|Travel Delay Expenses*||$1,000||$2,000|
|Alternative Transport Expenses||$2,000||$4,000|
|Rental Vehicle Insurance Excess*||As selected||As selected|
* Sub-limits apply. Please refer to the 'Your Policy Cover' section of the Combined Financial Services Guide and Product Disclosure Statement for further information.
How to Apply For Cover
It's quick and easy to apply for travel insurance from 1300 Insurance. Simply call us on 1300 Insurance (1300 467 872) or click here to get an instant online quote. Your insurance cover will start as soon as we accept your application and send you your policy document, subject to the policy's terms and conditions.
Important Policy Information
Terms, conditions, excesses limits and exclusions apply to this policy. Please refer to the Product Disclosure Statement for full details of the cover provided.
Our travel insurance offers cover against many of the risks you face when you travel. However it does not cover every circumstance or expense and we have some exclusions, such as for pre-existing medical conditions. See the Product Disclosure Statement for full details.
- Why do I need travel insurance?
- If I return home earlier than planned, can I get a partial refund on my travel insurance?
- Does your travel insurance cover my luggage?
- Can I get travel insurance if I have a pre-existing condition?
- How do I make a travel insurance claim?
- What do I do if I have an emergency while I'm travelling?
- I've downloaded a travel insurance claim form - do I have to complete the medical certificate on the back?
- What happens if I'm injured and have to be evacuated back to Australia?
- What kind of documentation is required to asess my travel insurance claim?
- Will my travel insurance claim be processed fairly?
- Do I have to pay an excess if a claim is payable under my travel insurance policy?
- When will my travel insurance policy commence?
Thanks for your question.
We try very hard to respond to every question we get in a timely manner, but if your question is urgent you might want to call us on 1300 467 872.
1300 Insurance Pty Ltd ABN 50 124 845 727 AR 327609 is an authorised representative of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Travel Insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 and issued and managed by Allianz Global Assistance. Terms, conditions, limits and exclusions apply. Any advice provided is general advice only and has not taken into consideration your individual objectives, financial situation or needs. You should consider the Combined Financial Services Guide and Product Disclosure Statement before making any decisions about the product. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details.