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        Summary of Benefits

        What are the benefits of Smart Traveller Insurance policies? View our easy to read summary of benefits table below to compare all our plan types. 

        The below tables summarise the benefits for International and Domestic Travel Insurance and Cancellation Cover and can be used as a quick reference tool. The destinations covered and benefit limits vary according to the geographical region, coverage type and plan you select. The cover provided is subject to the terms, conditions and exclusions contained in the Combined Policy wording and Product Disclosure Statement.

         

        Summary of Benefits

        Maximum Benefit limits

        International One Trip Policy

        International One Trip & Annual Mutli-Trip Policies

        Domestic One Trip Policy

        Domestic One Trip & Annual Multi-Trip Policies

         

        Essential Traveller

        Smart Traveller

        Essential Traveller

        Smart Traveller

        Medical Benefits

        1) Overseas Emergency Medical, Hospital and Dental Expenses

        Unlimited

        Unlimited

        N/A

        N/A

        Emergency Assistance

        Included

        Included

        N/A

        N/A

        2) Cash in Hospital

         

        (a) Daily Amount

        N/A

        $100

        N/A

        N/A

        (b) Maximum Amount

        N/A

        $10,000

        N/A

        N/A

        Cancellation Benefits

        3) Loss of Deposits and Cancellation Charges

        $5,000

        $10,000

        $2,500

        $7,000

        Travel Agent’s Cancellation Fee (sub limit)

        Lesser of $750 or 15% of the refundable amount

        4) Additional Hotel Accommodation and Transport Expenses

        $25,000

        Unlimited

        $10,000

        $15,000

        5) Resumption of Journey (sub limit)

        $3,000

        $3,000

        $3,000

        $3,000

        6) Special Events(sub limit)

        $2,000

        $2,000

        $2,000

        $2,000

        Luggage, Travel Documents and Money Benefits

        7) Luggage, Personal Effects and Travel Documents

        $3,000

        $7,000

        $1,000

        $5,000

        a) Item Limit (each item)

        $500

        $1,000

        $500

        $1,000

        b) Electronic Equipment (sub limit)

        $1,000

        $3,500

        $1,000

        $3,500

        8) Money

        N/A

        $200

        N/A

        N/A

        Delay Benefits

        9) Delayed Luggage Allowance

         

        a) More than 24 hours (sub limit)

        N/A

        $500

        N/A

        $500

        b) More than 72 hours (sub limit)

        N/A

        $1,000

        N/A

        $1,000

        10) Travel Delay Accommodation

        N/A

        $500

        N/A

        $500

        11) Flight Delay

         

        a) More than 4 hour

        N/A

        $100

        N/A

        $100

        b) More than 12 hour

        N/A

        $200

        N/A

        $200

        Accidental Death Benefits

        12) Accidental Loss of Life and Permanent Loss

        N/A

        $25,000

        N/A

        $25,000

        Maximum amount for Children:

         

        (a) Accidental Loss of Life- Children

        N/A

        $1,000

        N/A

        $1,000

        (b) Permanent Loss

        N/A

        $10,000

        N/A

        $10,000

        Additional Benefits

        13) Personal Liability

        $2,000,000

        $3,000,000

        $200,000

        $200,000

        14) Public Transport Hijacking and Kidnapping

         

        (a) Daily Amount

        N/A

        $1,000

        N/A

        N/A

        (b) Maximum Amount

        N/A

        $15,000

        N/A

        N/A

        15) Additional expenses following Accidental Injury or Sickness or Disease

        Unlimited

        Unlimited

        $15,000

        $15,000

        16) Mortal Remains Repatriation

        $10,000

        $10,000

        $10,000

        $10,000

        17) Rental Vehicle Excess

        $3,500

        $3,500

        $3,500

        $3,500