Compare Benefits and Features

For an additional premium, you can add one or more of the following optional benefits to your policy:

When claiming certain benefits, you are required to pay the first part of the claim – the ‘excess’.

The excess applies to each person claiming and each insured event their claim relates to.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, upon acceptance of their claim we’ll pay them up to $7,500 each – minus their excesses of $200 each (assuming they did not opt to get the excess reduced or removed).

If you get injured or you injure someone else while participating in one of our covered sports or activities and you claim the ‘Personal accident’ and/or ‘Personal liability’ benefit (assuming the benefit applies to the particular sport or activity), you’ll be asked to pay an excess of between $200 (in most cases) and $500.

For more information, please see Part 9 of the product disclosure statement.

In most cases, we’ll deduct the excess from the benefit payable to you – you won’t need to do a thing.

For example, if you have Comprehensive cover with a standard $200 excess and you make a $5,000 claim for cancellation of your trip, we’ll pay you $4,800 ($5,000 minus the $200 excess).

For an additional premium, you can halve the standard excess to $100; or choose to have no excess.

You can add this optional extra to your policy when you get a quote and buy travel insurance (after purchasing your policy, you won’t be able to change your excess).

Note that, even if you opt to have your excess reduced or removed, the standard excess will still apply to medical expenses stemming from covered pre-existing medical conditions or covered sports or leisure activities.