These are unprecedented times and many industries are feeling the impact of COVID-19 - especially the Travel Industry. Following the advice of the Australian Government for Australians not to travel overseas, and the decisions of a number of Australian State and Territory Governments to impose travel and other restrictions, Allianz Global Assistance is temporarily ceasing the sale of new domestic and international Travel Insurance policies effective from Friday 27 March 2020.
There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia website for a list of alternative providers.
Our Travel Insurance policies do not cover claims related to COVID-19. In addition, if you travel to a country where the Australian Government has issued an advice or warning of “Reconsider your need to travel” or “Do not travel”, then your claim may not be covered, even if it arises from an event unrelated to COVID-19. Please check travel advisories on Smartraveller for up to date information.
If you are looking for information about the impact of COVID-19 on travel insurance, read our FAQs. Refer to your Product Disclosure Statement for cover details.
All claims will still be assessed. Our Travel team is currently experiencing high call volumes and waiting times. If you need to make a travel claim, we encourage you to do so online.
TIO Comprehensive travel insurance offers cover for:*
*Terms, conditions, exclusions and limitations apply. Please refer to the Product Disclosure Statement for full details.
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.
| Benefits | Single |
Duo (two person) |
Family | Section |
|---|---|---|---|---|
|
^Overseas Emergency Assistance
Funeral expenses incurred overseas or the
cost of
bringing your remains back to your home [per person] $15,000
|
Unlimited~
$15,000 (per person)
|
Unlimited~
$15,000 (per person)
|
Unlimited~
$15,000 (per person)
|
1.1 |
|
^Overseas Emergency Medical and
Hospital
Expenses
Overseas Emergency Dental Expenses [per
person]
for the relief of sudden and acute pain to sound and natural teeth (not resulting from an
injury
overseas). For detailed information please refer to the Product Disclosure Statement.
|
Unlimited~
($1,000 per person)
|
Unlimited~
($1,000 per person)
|
Unlimited~
($1,000 per person)
|
1.2 |
|
^Accidental Death
|
$25,000
|
$25,000
|
$50,000
|
1.3 |
|
^Permanent Disability
|
$25,000
|
$25,000
|
$50,000
|
1.4 |
|
^Hospital Cash Allowance
|
$5,000
($50 per day)
|
$5,000
($50 per day)
|
$10,000
($50 per day)
|
1.5 |
|
^Loss of Income
|
$10,400
(up to $400 per week)
|
$10,400
(up to $400 per week)
|
$20,800
(up to $400 per week)
|
1.6 |
|
^Cancellation
|
Unlimited ~ | Unlimited ~ | Unlimited ~ | 2.1 |
|
^Additional Expenses
|
$50,000 | $50,000 | $100,000 | 3.1 |
|
^Travel Delay Expenses
|
$2,000 (up to $200 per day) | $2,000 (up to $200 per day) | $4,000 (up to $200 per day) | 3.2 |
|
Alternative Transport Expenses
|
$5,000 | $5,000 | $10,000 | 3.3 |
|
Return Airfare
|
$3,000 | $3,000 | $6,000 | 3.4 |
|
^Luggage and Personal Effects
|
$10,000 | $10,000 | $20,000 | 4.1 |
|
^Luggage and Personal Effects Delay
Expense
|
$500 | $500 | $1000 | 4.2 |
|
Travel Documents, Credit Cards &
Travellers Cheques
|
$5,000 | $5,000 | $10,000 | 4.3 |
|
Theft of Cash
|
$250 | $250 | $500 | 4.4 |
|
^Rental Vehicle Excess
|
$3,000 | $3,000 | $6,000 | 5.1 |
|
Personal Liability
|
$2.5 million | $2.5 million | $2.5 million | 6.1 |
NOTE: All benefits and premiums are in Australian dollars. All limits include GST.
^Sub-Limits apply.
~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. 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 travelling in Australia. Please refer to the Product Disclosure Statement for full details.
You can choose from the following add-on options to increase your cover for particular holiday activities. For full details, terms and conditions, please read the Product Disclosure Statement.
If you are heading to the snow, these optional benefits may be relevant to you.
For those of you planning on getting on a cruise.
If you are hiring a rental vehicle you can increase the excess limit that applies to Section 5.1 Rental Vehicle Excess for the plan you select.†
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.
†Increased Rental Vehicle Excess Cover can be applied to Section 5.1 Rental Vehicle Excess for the Comprehensive, Domestic, Multi-Trip or Non-Medical Plans only.
Terms, conditions, limits and exclusions apply. Please see relevant PDS for details.
Any online discounts offered are applied to our standard premiums only and no discount will be applied to other premium components such as pre-existing medical condition cover. Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.