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Comprehensive travel insurance

Worldwide insurance with 14 travel benefits for our highest level of cover for travel outside Australia

  • Local knowledge in 28 countries
  • Our travel cover is backed by Allianz Global Assistance

Comprehensive international travel insurance cover

Over Fifty comprehensive travel insurance offers cover for*:

  • Overseas emergency medical assistance
  • Overseas emergency medical and hospital expenses
  • Cover for travel documents, transaction cards and travellers cheques
  • Cover for travel delays (meals, accommodation, luggage and personal effects)
  • Cover for alternative transport expenses if your scheduled transport is cancelled, delayed, shortened or diverted
  • Cover for permanent disability
  • Cover for cancellation fees and lost deposits

*Subject to terms, conditions and exclusions. Please see the Travel Insurance Product Disclosure Statement for more information.

And our cancellation benefit applies from the moment you buy your policy, so if your trip is cancelled or delayed before you go, you may be covered subject to the terms and conditions of the policy.

 

Key Comprehensive travel insurance benefits

This is simply a summary of the benefits of a Comprehensive travel insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Benefit Single Duo (per person) Family Section
Overseas Emergency

Medical Assistance
unlimited unlimited unlimited 1.1
Overseas Emergency

Medical and Hospital

Expenses - Emergency Dental

Expenses (per person)
unlimited -

$1,000 (Dental)
unlimited - 

$1,000 (Dental)
unlimited -

$1,000 (Dental)
1.2
Accidental Death $25,000 $25,000 $50,000 1.3
Permanent Disability $25,000 $25,000 $50,000 1.4
Cancellation Fees

and Lost Deposits
Up to

$25,000
Up to

$25,000
Up to

$50,000
2.1
Additional Expenses $50,000 $50,000 $100,000 3.1
Travel Delay

Expenses
$2,000 $2,000 $4,000 3.2
Alternative Transport

Expenses
$5,000 $5,000 $10,000 3.3
Luggage and

Personal Effects
$5,000 $5,000 $10,000 4.1
Luggage and Personal

Effects Delay

Expenses
$250 $250 $500 4.2
Travel Documents,

Transaction Cards &

Travellers Cheques
$2,000 $2,000 $4,000 4.3
Theft of Cash $250 $250 $500 4.4
Rental Vehicle

Insurance Excess
$3,000 $3,000 $6,000 5.1
Personal Liability $2.5

million
$2.5

million
$2.5

million
6.1

 

Additional options

  • Snow pack

    If you are heading to the snow, these optional benefits may be relevant to you. 

  • Cruise pack

    For those of you planning on getting on a cruise. 

  • Increased item limits

    If you're planning on taking higher value items with you on your trip and want to cover them for loss, theft or damage, this may be for you.

  • Rental Vehicle Insurance Excess cover

    If you're renting a car on your holiday, you can choose to increase the Rental Vehicle Insurance Excess cover.

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the PDS .

Why choose Over Fifty Insurance?

  • Over 50 insurance specialists

    As a specialist insurance provider for Australians over 50, we understand what it takes to deliver high quality service and insurance products.

  • Assistance 24 hours a day, 365 days a year

    Overseas travel medical emergencies won't wait until the next business day. Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. Just phone us as soon as you need help .

  • Global reach and expertise

    We’re backed by Allianz Global Assistance. Supporting them is a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.

  • We've got you covered

    If you need emergency help, the last thing you want is to make phone call after phone call. With Over Fifty Insurance, one call takes care of everything - claiming, emergency assistance, medical care and translators.

 

 

Snow Pack

This is simply a summary of the benefits of the additional options. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Benefit Single Duo (per person) Family Section
Emergency
Rescue
$100,000 $100,000 $200,000 7.1
Own snow
sport
equipment
$2,000 $2,000 $4,000 7.2
Snow sport
equipment
hire
$2,000 $2,000 $4,000 7.3
Snow sport
pack
$1,000 $1,000 $2,000 7.4
Piste
closure
$1,000 $1,000 $2,000 7.5
Bad weather
and avalanche
$1,000 $1,000 $2,000 7.6

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

 

 

Cruise Pack

This is simply a summary of the benefits of the additional options. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Benefit Single Duo (per person) Family Section
Medical cover
while cruising
Unlimited Unlimited Unlimited 7.7
Emergency Dental expenses (per person) $1,000 $1,000 $1,000 7.7
Evacuation cover
- Ship to shore
Unlimited Unlimited Unlimited 7.8
Cabin
confinement
$500 $500 $1,000 7.9
Pre-paid
Shore Excursion
Cancellation
$1,000 $1,000 $2,000 7.10
Formal Cruise
Attire Lost
or Damaged
$1,000 $1,000 $2,000 7.11
Formal Cruise
Attire Delayed
$250 $250 $500 7.12
Marine Rescue
Diversion
$500 $500 $1,000 7.13
 

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

 

 

Increased items limits

This option allows you to increase item type cover limits on your selected plan. It can be used if you're planning on taking higher value items with you on your trip and want to cover them for loss, theft or damage.

Cover is provided in your policy for the loss or theft or, or accidental damage to, luggage and personal effects up to the item limits shown in the PDS. If you need a higher limit, you can purchase our Increased Item Limit Cover by paying an additional premium when you purchase your policy.

Overseas Travel Medical Assistance

Our travel cover is backed by the world’s leading medical assistance provider, Allianz Global Assistance because we understand that if you have a medical emergency when you're travelling, you want to be certain you receive the best care possible.

The emergency assistance helpline is available 24 hours a day, 365 days a year. All you need to do is call as soon as you need help.

Pre-existing medical conditions and purchasing a policy

  • How far in advance can I buy my travel insurance policy?

    You may purchase a travel insurance policy up to 12 months prior to your departure date.

     

    For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

     

    For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

     

    Please note: There is a maximum period for any one journey under the Multi-Trip Plan. Please refer to the Travel Insurance Product Disclosure Statement for full details. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.

  • I am currently overseas and have no insurance - can I still purchase a policy?

    No. Our policies can only be purchased before you commence your journey, while you are still in Australia.

  • Am I covered if I work overseas?

    Our travel insurance can be used for the leisure traveller and also business people travelling overseas for business purposes. It cannot be used to cover events linked to employment overseas. Please refer to the GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS contained in the PDS. In particular General Exclusions A.7 which excludes claims arising directly or indirectly from, or in any way connected with, you engaging in manual work in conjunction with any profession, business or trade during your journey.

  • If I return home early, do I get a refund?

    If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the EXTENSION OF COVER section in your PDS.

  • What do I do if I think I have a pre-existing medical condition?

    If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 13 1000.

  • How much does it cost to add cover for my pre-existing medical condition(s) to my travel insurance policy?

    It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us to find out the applicable premium.

  • What happens if I purchase my travel insurance policy and a new medical condition develops? Would I need to pay an additional premium?

    If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.

Next steps

Claims

Click here to submit a claim online. To submit a claim online over the phone, call the 24/7 claims hotline on 1800 077 522 and one of our friendly consultants will assist you.