Travel Insurance for Working Holidays from $1.11 per day↟ | Fast Cover

Working Holiday Travel Insurance

Travelling internationally means leaving behind Australian Medicare benefits, so it's essential to take out working holiday travel insurance before you head off overseas.

Whether you're headed to Canada on the IEC program to work the snow season, teaching English in Southeast Asia, volunteering in Africa, or working at a summer camp in the United States, a working holiday is a fantastic way of sustaining your travels or topping up your bank account for your next overseas adventure. 

Fast Cover’s working holiday travel insurance provides cover from one day up to one year initially, with the option of extending your policy up to two years if you're having too much fun overseas or want to keep working and travelling!

Who should get working holiday travel insurance?

If you're a digital nomad or business traveller, working internationally is probably a regular part of your job. Otherwise, perhaps you just want to experience living and working in a different country, or add impressive skills to your resume by getting a job, internship, or volunteering overseas.

Travellers of any age who plan to go overseas for a week, month, or up to two years can get working holiday travel insurance with Fast Cover. 

Regardless of the type of work you’ll be doing, you can be covered. This includes office work, teaching, nursing, trades, hospitality, retail, conservation, farm work and also volunteering.

You’ll be covered for both the times that you’re working as well as your days off and any travel in between!

Fast Cover's working holiday travel insurance is ideal if you're:

  • Working the snow season at a ski resort on the International Experience Canada program
  • Working as a camp counselor or guide at an American summer camp
  • Taking advantage of the Youth Mobility Scheme in the United Kingdom for up to two years
  • A backpacker who plans to pick up odd jobs here and there while travelling
  • Working remotely on your own business while travelling
  • A student taking an internship or overseas work placement opportunity
  • Going on a business trip or attending a conference overseas
  • Taking advantage of an ancestry visa
  • A dual passport holder visiting another country
  • Volunteering overseas

No matter where you're headed or what kind of work you're doing, we've made buying travel insurance for your working holiday as fast and simple as possible.

Why do I need working holiday travel insurance?

There are a few steps involved in finding the travel insurance you need for your working holiday.

We've put together a list you can follow to understand how travel insurance will assist you on your trip:

1) Read the Consular Services Charter before you leave

The Consular Services Charter explains the way in which the Australian Government can assist you while you’re overseas, as well as the areas where their assistance is limited.

They recommend you travel with comprehensive travel insurance including emergency medical and hospital cover, as medical costs overseas can be extremely high.

2) Check whether you’re covered by your employer

If you’ve already organised employment overseas, check if your employer provides insurance and what this insurance covers. You may still require your own insurance for medical expenses, theft and damage to belongings and cancellations to travel plans.

You may also find that your employer's insurance only covers you while you're on the clock. They may not cover you if you get injured or something happens during your days off.

3) Know what activities you might do overseas

There are so many activities you can do overseas, but some of these may not automatically be covered by travel insurance.

For example, if you’re injured in a motorcycle accident or fall and break a bone while horse riding, you must have these activities covered by your insurance to be able to make a claim. If they’re not covered, you’ll have to personally foot the bill for any medical costs which can be in the hundreds of thousands of dollars.

To make it fast and simple for you, Fast Cover automatically covers a huge list of activities including bungee jumping, snorkelling, hiking and horse riding.

If you want to do more adventurous activities like quad biking, trekking above 3,000 metres or walking the Kokoda Trail, our Adventure Pack add-on will make sure that you don’t miss out.

What are the benefits of working holiday travel insurance?

Every working traveller has different priorities, but some of the main benefits you might want to look for in a travel insurance policy for your working holiday include:

  • 24 Hour Emergency Medical Assistance
  • Overseas Emergency Medical and Hospital Expenses
  • Emergency Evacuation and Repatriation Expenses
  • Cover for Luggage and Personal Belongings
  • Cover for 43 Pre-Existing Medical Conditions

Remember that it's important to compare the different benefits and exclusions when shopping around for a travel insurance policy for your working holiday, not just the price.

Fast Cover offers several different levels of cover for you to choose from so you can cover all the things that are most important to you without blowing your travel budget:

  • Basics
  • Standard Saver
  • Comprehensive
  • Snow Sports Plus

See the benefits tables below for more details about what each policy offers:

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 24/7 Emergency Medical Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

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 Medical & Hospital Expenses^

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Overseas Emergency Medical & Hospital Expenses^

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Overseas Emergency Medical & Hospital Expenses^


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Evacuation

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Overseas Emergency Evacuation

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Overseas Emergency Evacuation

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Overseas Emergency Evacuation

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Overseas Emergency Evacuation


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

––– $25,000 ––– $25,000 $25,000 $25,000

Accidental Death

––– $20,000 ––– $20,000 $20,000 $20,000

Accidental Death

––– $15,000 ––– $15,000 $15,000 $15,000

Accidental Death

––– $25,000
$20,000
––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Accidental Death

––– $25,000
$15,000
––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Accidental Death

–––
$20,000
$15,000
–––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

––– ––– ––– $25,000 $25,000 $25,000

Permanent Disability^

––– ––– ––– $20,000 $20,000 $20,000

Permanent Disability^

––– ––– ––– $15,000 $15,000 $15,000

Permanent Disability^

––– ––– ––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Permanent Disability^

––– ––– ––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Permanent Disability^

––– ––– –––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

––– $10,000 ––– $10,000 $10,000 $10,000

Weekly Limit (per person) - up to 25 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

––– Unlimited $15,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Cancellation Expenses

sub-limits:

––– $40,000 $15,000 $40,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

sub-limits:

––– $30,000 $15,000 $30,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$15,000
Unlimited
$40,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$15,000
Unlimited
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$15,000
$15,000

$40,000
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

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

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 $10,000 $10,000 $10,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones and 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

Alternative 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^

––– ––– ––– $500 $500 $500

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. 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.

Travelling together on a working holiday?

If you’re travelling with a partner, spouse, friend or relative, you can save by getting a working holiday travel insurance policy together.

Travellers on a Duo policy get a 5% discount and 50% off your excess reduction.

Optional extras for travel insurance

Rental Vehicle Excess Insurance

If you’re planning on hiring a car or campervan so you’re more mobile while you’re overseas, you can choose Rental Vehicle Excess Insurance of $5,000 or $8,000.

This provides cover for the excess the rental company would charge you in the event of an accident or damage to the vehicle, up to the specified amount.

If you're hiring a car within Australia we've already included Rental Vehicle Excess up to $5,000.

Adventure Pack

We automatically cover a huge list of sports and activities like horse riding, snorkelling, safari and motorcycle ridingBut if you plan on more adventurous activities such as abseiling, quad biking, skydiving, or trekking above 3,000 metres, make sure you add on our Adventure Pack so you’ll be ready for action!

Increased cover for High Value Items:

If you’re going to be working overseas for a long period of time, you're probably taking more valuable items than the average backpacker or holidaymaker. These may include things like laptop computers, tablets, GoPro cameras or video recording equipment.

Our policies provide generous limits on the things that you take on your travels.

If you've got a valuable item and want to make sure you have extra cover for it, you can specify it as a High Value Item on your insurance certificate by paying an additional amount when you purchase the policy.

Specifying High Value Items on your travel insurance policy also 'locks in' their current value, so there's no depreciation applied if you need to make a claim for a lost, stolen or damaged item.

Optional cover for skiing, snowboarding and snow sports:

If you’re going to be skiing, snowboarding, or working at a ski resort, choose our Snow Sports Plus policy.

It has all the top benefits of our Comprehensive policy, as well as cover for emergency medical evacuation and hospital expenses if you're injured on the slopes, plus cover for your snow gear and equipment and reimbursement for piste closure due to bad weather.

There's also cover for prepaid lift passes or the unused portion of your ski package if you get sick or injured and can't continue skiing.

 

Why choose Fast Cover travel insurance for your next working holiday?

Fast Cover’s working holiday travel insurance is designed to cover you in many of the different situations and emergencies you might experience while working overseas.

You can travel with confidence knowing that you’re covered for the whole time you’re away and if an emergency does occur, you have access to prompt and professional help from our 24 hour Emergency Assistance team.

They’re available 24 hours a day, 7 days a week, 365 days a year, anywhere in the world.

Compare our working holiday travel insurance and you’ll find that we provide a competitive price for great cover.

It’s affordable travel insurance made fast and simple!

Buy with confidence! Get a full refund if you cancel for any reason within 14 days from when you buy your policy and you haven't travelled.

The price on your quote is 'Locked In' for 48 hours.

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

Example Incidents~

Hannah's Hospital Shock

Hannah, an 18-year-old snowboarder from Coffs Harbour, was on a two-year working holiday in Canada when she was admitted to hospital with severe abdominal pain. Tests found she had an inflammatory bowel disease which required immediate treatment. The Fast Cover emergency assistance team liaised with hospital staff to manage Hannah's medical care and acted as a guarantor for the costs of her treatment. Hannah's travel insurance policy, which also provided cover for skiing and snowboarding, set her back just over $1,000 but covered $48,000 AUD worth of medical treatment and her recovery in hospital.

 

Penny's Policy Pays Off Twice!

Penny and her boyfriend took out a Duo policy with snow sports cover for a working holiday in Canada. However, just a few weeks into their trip, Penny woke up with severe pain in her jaw. A dentist confirmed that she required surgery to extract a wisdom tooth at a cost of around $500 USD. Penny contacted the emergency assistance team and followed their advice, sending off her receipts and documentation for the dental surgery which was fully reimbursed. Unfortunately that was not the end of their troubles overseas, as Penny's boyfriend's mother also unexpectedly passed away. Fast Cover covered their flights to Australia for the funeral, as well as return flights to Canada at around $2,200 AUD each.

 

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Traveller Testimonials

Hassle free insurance

Had a damaged suitcase which was only a few months old. Fast payment following lodgement of the claim. Would have no hesitation in recommending them.

Kim – Productreview.com.au

 

Terrific cover

The policy was great value and really easy to set up, no hassles. Claiming for medical expenses after an altercation with a bus was dealt with quickly and easily, being able to submit online.

Chris – Productreview.com.au

 

Fast Cover great value and price

Have used Fast Cover many times and always have found them easy and efficient with no hassles. Great communication. Great value on cover, easy to understand and to apply and pay.

Brenda – Productreview.com.au

 

Ready to get a quote?

↟Based on 365 day Basics policy to New Zealand region for a single traveller 50 years old or younger with $200 excess.

Frequently Asked Questions about Working Holiday Travel Insurance

  1. Can I buy a policy?

    Cover is only available if:

    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however, only if:

    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under. 

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  2. What type of cover can I choose from?

    You can choose from the  following Policies:

    • Comprehensive
    • Standard Saver
    • Basics
    • Domestic Plus*#
    • Frequent Traveller Saver
    • Snow Sports Plus#

    Further detail about the Policies can be found in the Product Disclosure Statement (PDS).

    *you will not have cover under certain Policy Sections while travelling in Australia - see the 'Geographical Regions' page of the PDS for more detail.

    #unless you purchase the Domestic Plus or Snow Sports Plus policies, you will not have cover for any claims arising from snow sport activities - see the General Exclusions of the PDS for more detail.

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  3. Am I covered if I go on a Working Holiday?

    Yes, you are covered for both your working and non-working hours. You would NOT be covered for Loss of Income or any loss which is recoverable by compensation under any workers for an overseas job.

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  4. Am I covered if I am doing Volunteer Work overseas?

    Yes, as long as you are not performing any dangerous activities. You should always follow the Australia Governments warning regarding traveling to unsafe places.

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  5. If I am overseas and need medical assistance, who do I call?

    If you have an emergency while you are travelling, contact our Worldwide 24/7 Emergency Assistance team.

     

     

     

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  6. If I need medical assistance, would I have to pay this amount up-front and put a claim in later? If I do need to pay upfront, what if I don't have the money to pay?

    Contact the Worldwide 24/7 Emergency Assistance team straight away and provide the details as to why you need medical assistance. The Worldwide 24/7 Emergency Assistance team can assess the situation and work out what would need to be done and assist you to find ways to pay any amount.

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  7. Can I choose my own doctor if I get sick or injured?

    You are free to choose your own medical practitioner or we can appoint an approved medical practitioner to see you, unless you are treated under a Reciprocal Health Agreement. you must, however, advise us of your admittance to hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, we can assist you, however we (the Insurer) and the agents of the insurer, are not liable for any problems that result from you choosing your own medical practitioner.

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  8. What is covered under 'Overseas 24/7 Emergency Medical Assistance'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver policies.

    The Worldwide 24/7 Emergency Assistance team will help you with any overseas medical emergency. You may contact them at any time 7 days a week.

    We will pay:

    If, while on a trip overseas, you injure yourself or become sick we will arrange for:

    • Access to a medical practitioner for emergency medical treatment while overseas.
    • Any messages which need to be passed on to your family or employer in the case of an emergency.
    • The provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.
    • Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision.
    • The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.
    • If you die as a result of an injury or a sickness during your trip, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home in Australia. The maximum amount we will pay is $15,000 in total for each insured person named in the policy.

    We will not pay:

    • For claims arising from Pre-existing Medical Conditions except as specified under the “Automatically Covered Pre-existing Medical Conditions” section of the PDS.
    • For medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us.
    • If you decline to promptly follow our medical advice (and we also will not be responsible for subsequent medical, hospital or evacuation expenses).
    • For medical evacuation or the transportation of your remains from Australia to an overseas country.
    • For any medical costs incurred in Australia.
    • For any claim under a Domestic Plus Policy.

    Please also read the General exclusions that apply to all benefits in the PDS.

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  9. If we are unsure whether we are going skiing or snowboarding, can we upgrade to a ski policy whilst we are travelling?

    Yes, you can upgrade to the Snow Sports Plus policy while you are travelling by paying the difference in price.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. ^ For travellers aged 80 and over, additional terms and conditions apply. #Available with our Comprehensive policies only. **No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

+Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers

1Price Match only applies to valid Australian quotes that covers unlimited overseas emergency medical expenses, unlimited overseas emergency medical assistance, unlimited Trip cancellation expenses and $10000 or more in luggage cover under a Comprehensive policy or Trip Cancellation expense cover of $15000 or more and $5000 or more in luggage cover under a standard policy. Excludes sales coupons. Only available if quote is genuine, written proof of quote may be required. 25% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children. 3Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies. 4Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess. 5Additional terms and conditions, limits and excesses apply to travellers over the age of 79. 6Must be accompanied by a professional instructor or guide.

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