Delayed baggage is an inclusion in our Silver and Gold policies. If your baggage is delayed for more than 24 hours, we will provide cover for the reasonable cost of essential items. The amount you can claim is up to $500 on Silver and $750 on Gold.

Please note there is no cover under this section if your baggage is delayed on your final inward journey returning home.

We will pay up to the amount shown in the Table of benefits for the reasonable cost of buying essential items whilst your baggage is not in your possession if your baggage is delayed by an airline or transport company during your trip for more than 8 hours

Sub-limits are applicable depending on your level of cover and the length of time that your luggage is delayed. The sub-limits are specified in the Table of Benefits in PDS.

Under our Silver and Gold policies, we cover iPads as an electronic device up to $2,000 for Silver and $3,000 for Gold.

We cover you for loss, theft or damage to your items, accompanying you from Australia, provided you have taken reasonable precautions to avoid the situation and have not left the item unattended.

We cover terrorism for medical expenses ONLY. This means you will not be able to claim for cancellation, emergency expenses or cutting your trip short in the event of a terrorist event. However, we will cover you for unlimited hospital, medical and surgical expenses in the event of terrorism whilst you are overseas.

You may be eligible under Section A (Cancelling your trip before departure) if you need to cancel or curtail your trip because a location in your planned itinerary is added/updated on the Smartraveller website to "Do not travel" or "Reconsider your need to travel", after the policy issue date and before your departure date on the Policy Schedule.

Our policies provide cycling cover for unlimited hospital, medical and surgical expenses, personal accident and personal liability due to an unforeseen accident, illness or injury.

We do not provide coverage for Competitive Cycling, mountain biking, downhill racing and/or extreme stunts or ground conditions.

Your potential coverage for claims relating to Mount Agung will depend on the date and time at which you purchased your policy, and whether you purchased natural disaster cover as an add-on to your policy.

Please note: medical expenses incurred due to natural disasters are automatically covered in all international policies, without having to purchase the natural disaster cover option. 

Medical evacuation is covered as long as medically necessary and emergency. The decision is taken by the claims/assistance team, based on the medical situation and other facts/circumstances.

Cancellation cover starts on the date of purchase on Silver and Gold policies.

Cancellation is covered if the insured cannot travel due to medical reasons, the death of a relative, an unknown natural disaster (if you have included this option in your policy), serious damage to the home in Australia and so on. In any such event, the insured can cancel and claim for the non-recoverable pre-booked expenses lost on the trip.

Depending on your specific needs, we can provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination (Page 7 of our PDS).

For prescribed medications and maintenance and in case they get lost during a trip, this can be covered for as long as the medical condition related to these medications are declared.

As for preventive vaccination, we primarily advise to visit your GP and ask for options. Also, look out for the health section in Smarttravelers.gov.au to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.

Depends on the reason. We cover curtailment of the trip for the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs OR if there is a serious damage to your home or business premises in Australia.

Read the PDS for more info.