sub-limits:
Activities
Motorcycles & Mopeds
Need cover for riding a motorcycle, moped or scooter? Add the Motorcycle Pack to your policy.
For motorcycles, you’ll need a current Australian motorcycle licence, but there’s no limit on the engine size. If you’re riding mopeds and scooters, provided the engine capacity is 50cc or under, a current Australian drivers licence will be fine.
Whatever you’re riding, you also still need to adhere to the licensing requirements for the country you're travelling in.
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Frequent Traveller Saver
Cruising the Oceans
It’s one of our most popular holiday options, but can also be one of our most expensive if you get sick or injured. Whether you’re just cruising our local waters or checking out the polar bears in Alaska, if you have a cruise policy and have a life threatening emergency, we’ll help you get back to shore ASAP.
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Frequent Traveller Saver
Adventure Pack & Included Sports & Activities
We provide cover for the activities listed below, some are covered, some require the Adventure or Motorcycle Pack to be added. If the activity you are doing is not listed, or you have not purchased the appropriate pack, there is no cover.
Cover is included
Activity Requires the Adventure Pack
Activity Requires the Motorcycle Pack
Abseiling
Animal conservation and handling
Under appropriate supervision
Under appropriate supervision
Aqua zorbing
Archery
Ballooning (with a regulated and licensed operator)
Battle Re-enactment
Not with firearms
Not with firearms
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator
But not racing, motor cross, BMX, cross country or downhill mountain biking
But not racing, motor cross, BMX, cross country or downhill mountain biking
Boxing
Basic training only, no sparring, no competition
Basic training only, no sparring, no competition
Bungee jumping or canyon swinging
Camel, donkey or elephant riding
Under appropriate supervision
Under appropriate supervision
Cave/river tubing
Caving/potholing
Contact sports
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
Dancing
Deep sea fishing
Diving underwater
Using an artificial breathing apparatus at a depth no greater than 30 metres.You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.
Using an artificial breathing apparatus at a depth no greater than 30 metres.You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.
Diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres
You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.
You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.
Dog sledding
Expeditions to or on the Kokoda Track/Trail
Fishing
On land or within 2 nautical miles of a land mass.
On land or within 2 nautical miles of a land mass.
Flying fox/zip lining
Golf
Go-karting
Gym activities
But not powerlifting.
But not powerlifting.
Gymnastics
But not competitions.
But not competitions.
Hiking, trekking or tramping
Peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. Expeditions to or on the Kokoda Track/Trail are not covered. Choose the Adventure Pack option for higher altitudes and Kokoda expeditions.
Peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. Expeditions to or on the Kokoda Track/Trail are not covered. Choose the Adventure Pack option for higher altitudes and Kokoda expeditions.
Hiking, trekking or tramping
Peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required.
Peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required.
Horse riding
But not competitions, equestrian events, steeple chasing, jumping, or polo.
But not competitions, equestrian events, steeple chasing, jumping, or polo.
Ice skating on a rink
But not including competitive skating, racing, speed skating, and tour skating.
But not including competitive skating, racing, speed skating, and tour skating.
Indoor rock climbing
Under appropriate supervision.
Under appropriate supervision.
Jet boating
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Leisure activities
Meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits.
Meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits.
Martial arts
Basic training only, no sparring, no competition.
Basic training only, no sparring, no competition.
Moped or scooter riding
You must wear a helmet; you must hold a current Australian drivers licence and a licence valid for the country you are riding in and the engine displacement must be no greater than 50cc.
You must wear a helmet; you must hold a current Australian drivers licence and a licence valid for the country you are riding in and the engine displacement must be no greater than 50cc.
Motorcycle riding
You must wear a helmet; you must hold a current Australian motorcycle licence and a licence valid for the country you are riding in. There is no restriction on engine displacement.
You must wear a helmet; you must hold a current Australian motorcycle licence and a licence valid for the country you are riding in. There is no restriction on engine displacement.
Orienteering
Outdoor rock climbing
With ropes and appropriate safety gear; but not free climbing.
With ropes and appropriate safety gear; but not free climbing.
Paintball
With eye protection.
With eye protection.
Quad biking & recreational all-terrain vehicles
Only single rider and no jumping, racing or competition.
Only single rider and no jumping, racing or competition.
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Racquet and ball sports
Not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, oz tag, snooker, soccer, softball, table tennis, tennis, touch football, volleyball.
Not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, oz tag, snooker, soccer, softball, table tennis, tennis, touch football, volleyball.
Rafting, or kayaking or canoeing in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals
Choose the Adventure Pack option for rivers or rapids graded IV or V under the International Scale of River Difficulty.
Choose the Adventure Pack option for rivers or rapids graded IV or V under the International Scale of River Difficulty.
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty
But no competition or racing.
But no competition or racing.
Safari
Under appropriate supervision, but not hunting.
Under appropriate supervision, but not hunting.
Sailing
Up to 10 nautical miles off any land mass.
Up to 10 nautical miles off any land mass.
Sailing from 11 to 15 nautical miles off any land mass
But not competition or racing.
But not competition or racing.
Sandboarding
Scuba Diving
Up to 10 nautical miles off any land mass.
Up to 10 nautical miles off any land mass.
Segway tours
Shark cage diving
Subject to diving restrictions listed above.
Subject to diving restrictions listed above.
Shooting
Fixed target only - Choose the Adventure Pack option for shooting moving targets.
Fixed target only - Choose the Adventure Pack option for shooting moving targets.
Shooting moving targets
E.g. clay pigeons.
E.g. clay pigeons.
Skateboarding, roller skating, inline skating
But not including vert skating or acrobatics.
But not including vert skating or acrobatics.
Snorkelling
Surface water activities
Other than sailing - Up to 2 nautical miles off any land mass.
Other than sailing - Up to 2 nautical miles off any land mass.
Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding
You must be in tandem with an instructor licensed for these activities.
You must be in tandem with an instructor licensed for these activities.
Track and field athletics
Ultimate frisbee
Water polo
Water skiing, wakeboarding & tubing
Must be with a licensed operator; no competition or racing; no stunts or jumping off ramps.
Must be with a licensed operator; no competition or racing; no stunts or jumping off ramps.
Weight lifting and body building
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Skiing & Snowboarding Overseas
Snow sports are exciting and fun, but come with their own risks. So if you’re planning on going overseas to ski, choosing our Snow Sports Plus policy will provide additional cover for:
- Snow specific Emergency Medical Assistance
- Snow specific Emergency Medical and Hospital Expenses
- Your Snow sport equipment
- The cost of your prepaid passes, equipment hire and lessons if you get injured or sick
- Snow resort closure, bad weather or avalanche
Applies to:
Snow Sports Plus
Skiing & Snowboarding in Australia
Go skiing in Australia and our Domestic travel insurance policy includes cover for:
- Your Snow sport equipment
- The cost of your prepaid passes, equipment hire and lessons pack if you get injured or sick
- Snow resort closure, bad weather or avalanche
Applies to:
Domestic Plus
Trekking to 3,000 metres
If you’re going walking, hiking, trekking or tramping and don’t need specialist climbing equipment, our policies will cover you for those activities.
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Trekking to 6,000 metres
Get our Adventure pack if you’re doing a more specialised trek up to a maximum of 6,000 m and don’t need specialist climbing equipment, or going on the Kokoda trail.
Applies to:
Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Running & Playing sport
As long as you’re not playing and competing professionally, you’re covered under our policies.
You are covered for:
- Racing on foot for distances up to and including full marathon (42.2 km)
- Track and Field athletics
- Racquet and ball sports not involving physical contact
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Contact Sports
If you're doing contact sports (including any form of rugby, Australian Rules football or American football), just get our special Adventure pack added onto your policy, and you'll be right to go.
Applies to:
Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Scuba Diving to 10 metres
As long as you dive to a depth no greater than 10 metres and you have an open water diving licence recognised in Australia or dive with a licensed instructor, you’re good to go.
Applies to:
Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Scuba Diving to 30 metres
If you plan to dive up to a maximum depth of 30 metres, our Adventure pack will make sure that if you get in a bit of trouble, you can get the help you need.
Applies to:
Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains home (per person) |
$15,000 | $15,000 | $15,000 | $15,000 | $15,000 | |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional | $7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Personal computers,video recorders or cameras (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess sub-limits: |
––– | $5,000 | Optional | Optional | Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ sub-limits: |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains home (per person) |
$15,000 | $15,000 | $15,000 | $15,000 | $15,000 | |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional | $7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Personal computers,video recorders or cameras (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess sub-limits: |
––– | $5,000 | Optional | Optional | Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.
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Things you need to know
* See Product Disclosure Statement and the COVID-19 Pack Document for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.