What TID Covers

Medical Expenses Overseas

Cover if you need medical help overseas for illness (including coronavirus) or injury, for costs such as hospitals, ambulance and doctors for up to a year after the illness or injury first occurred. If you're travelling with existing medical conditions, click here. Sub-limits apply.

Additional Expenses / Medical Evacuation

Medical evacuation by road or air to the nearest appropriate medical facility, including repatriation to Australia.

Cancellation Costs

Cover if you have to cancel your trip due to one of the events listed (e.g. illness or injury). For more information on trip cancellation coverage click here. Sub-limits apply.

Personal Liability

Protection for you being legally liable for injuring other people or causing damage to their property, including pre-approved, reasonable legal defence costs. Sub-limits apply.

Luggage & Personal Effects

Cover if your luggage and personal effects are stolen, permanently lost or accidentally damageddue to circumstances outside of your control. Depreciation and sub-limits apply. Additional cover is available by specifying your valuable items and paying an additional premium.

Coronavirus Travel Costs

Covers you for eight specific events related to Coronavirus (COVID-19), such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. This is a separate benefit to the cover offered for coronavirus for Medical expenses incurred overseas.

Rental Vehicle Insurance Excess

If you hire a car on your trip and have an accident our insurance pays up to $6,000 of any excess you may be liable for from the hire company. 

Loss of Income

Cover if you cannot return to your usual full-time employment in Australia after 30 days due to an accidental injury suffered during your trip. Sub-limits apply. ;

Out of Pocket Expenses

Cover for out of pocket expenses if you are hospitalised overseas for more than 48 hours due to an sudden illness or serious injury sustained during your trip. Sub-limits apply.

Travel Delay

Cover if your pre-paid scheduled transport is delayed at least 6 hours for operational reasons due to unforseen reasons outside your control; for reasonable additional meals and accommodation; and your unusable, non-recoverable accommodation, events and attractions. Sub-limits apply. 

Special Events

Additional public transport expenses to get to a pre-arranged wedding, funeral, conference or prepaid sporting event, concert or music festival.

Accidental Death

Cover if you die as a direct result of an accidental injury on your trip. Sub-limits apply.

Total Permanent Disability

Cover if you suffer an injury resulting in total permanent disability

Snow Sports Cover Option

If you are participating in snow sports that we can provide cover for, you must add this option to be covered for for overseas medical, cancellation and additional expenses. Learn more about Insurance for Snow Sports Sub-limits apply, including:

Piste Closure

Cover for when the skiing facilities at the resort you have pre-booked before your trip commences and that you are staying in, are totally closed due to adverse snow conditions. 

Ski Lift Closure

Cover for pre-paid ski equipment hire, lift passes, and if, during your trip, you are prevented from skiing due to your illness or injury sustained during your trip

Hiring Replacemet Ski Equipment

Cover for the cost of hiring alternative ski equipment when your snow ski equipment is accidentally damaged, stolen, permanently lost, or misdirected.