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, limits 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 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 and Hospital Expenses (includes emergency dental expenses from an overseas) |
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 |
|
Overseas Emergency Dental Expenses [per person] (for relief of sudden and acute pain to sound and natural teeth) |
$1,000 | $1,000 | $1,000 | 1.2 |
| *Accidental Death | $25,000 | $25,000 | $50,000 | 1.3 |
| *Permanent Disability | $25,000 | $25,000 | $50,000 | 1.4 |
| *Loss of income | $10,400 | $10,400 | $10,400 | 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 |
This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ~Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. If you are hospitalised you must contact Allianz Global Assistance as soon as possible.All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while traveling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section.
Additional options
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Snow pack
If you are heading to the snow, these optional benefits may be relevant to you.
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Cruise pack
For those of you planning on getting on a cruise.
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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.
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?
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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.
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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 .
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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.
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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 a summary of the benefits of the additional options for a Comprehensive travel insurance plan. 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 |
An excess is payable in addition to any standard excess, applies for all claims under the Overseas Emergency Medical and Hospital Expenses section and the Cancellation section if you purchase this option and your claim arises directly or indirectly from your participation in snow sport activities. You cannot pay to remove this excess. This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ^You do not have cover under this section while travelling in Australia. Please refer to the Product Disclosure Statement for full details. NOTE: All benefits and premiums are in Australian Dollars. All limits include GST.
Cruise Pack
This is a summary of the benefits of the additional options options for a Comprehensive travel insurance plan. 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 |
This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ~ Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. If you are hospitalised you must contact Allianz Global Assistance as soon as possible. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. Please refer to the Product Disclosure Statement [hyperlink] for full details. Please refer to the Product Disclosure Statement for full details.
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?
- I am currently overseas and have no insurance - can I still purchase a policy?
- Am I covered if I work overseas?
- If I return home early, do I get a refund?
- What do I do if I think I have a pre-existing medical condition?
- How much does it cost to add cover for my pre-existing medical condition(s) to my travel insurance policy?
- What happens if I purchase my travel insurance policy and a new medical condition develops? Would I need to pay an additional premium?