Plans
Depending on your age, where you are travelling to, the length of your trip, you may be offered one, two or three different plans. The below is only a summary.
This Domestic plan offers cover for a single trip within Australia. It is designed to cover personal liability, luggage, unexpected trip cancellation, and more. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.*
This Essentials Plan offers budget-friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, and unexpected trip cancellation.*
This Comprehensive Plan offers cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, unexpected trip cancellation, and much more. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.*
This Multi-Trip Plan offers cover for multiple trips within a 12-month period. Each individual trip can be up to 15, 30 or 45 days in duration. For overseas trips, it offers all the benefits of the Comprehensive Plan; and for domestic trips, it offers all the benefits of the Domestic Plan. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details. The Target Market Determination is available here.
Cover types
Depending on the plan you choose, Allianz Global Assistance will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you.
These are summaries only. *Terms, conditions, exclusions limits and applicable sub-limits apply; refer to the Product Disclosure Statement to learn more about the cover types.
Single
Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.*
Duo
Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.*
Family
Covers you, your spouse or partner, and your dependents named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.*
Epidemics and pandemics
Always consult the Smartraveller website prior to any travel.
Travel has changed dramatically since COVID-19 became a worldwide pandemic. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means the insurer does not cover claims that arise from, or are related to, an epidemic or pandemic.
However, Allianz Global Assistance offers cover under selected benefits if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
If a COVID-19 border closure or mandatory quarantine period prevents you from travelling or requires you to shorten your journey while travelling, you may be entitled to cancel your policy and receive a partial or full premium refund; refer to the Product Disclosure Statement for terms and conditions.
Make sure you stay up to date and comply with travel information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT) Smartraveller website, World Health Organisation (WHO), and Department of Home Affairs.
In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Prior to travelling, check with the nearest embassy, consulate or immigration department of your destination.
