Travel Insurance

International travel

There are four levels of cover to suit your needs and budget:

• Platinum: top-level cover with unlimited unexpected overseas hospital and medical costs, unlimited emergency expenses in certain circumstances and many other great benefits
• Premium: mid-level cover, including unlimited unexpected overseas hospital and medical costs and many other benefits
• Essentials: affordable basic cover that includes unlimited unexpected overseas hospital and medical costs
• Annual Multi-Trip: Platinum level cover for multiple international trips within 12 months

Australian holidays

When you’re travelling around Australia, you’ll enjoy your trip more knowing you have cover for:

• cancelled or rescheduled plans if due to unforeseen circumstances
• damaged or lost luggage and travel documents
• certain emergency expenses
• accidental death and disability in certain circumstances

Ski/snowboard holidays

Hitting the slopes? Get peace of mind with optional extra cover for snow holidays including:

• costs for hiring your skis or board if yours is damaged in transit
• medical cover if you have a skiing accident
• emergency dental cover
• replacement of your snow equipment if yours is lost, damaged or stolen

Cruise holidays

If you’re heading on a cruise, CGU have optional cruise cover available for your grand voyage. You’ll get:

• cover for every country you visit - when you list each on your policy
• medical and emergency dental cover if you have an accident
• costs for returning home if it’s deemed medically necessary
• cover for cancelled or rescheduled extra activities and day trips
• replacement of certain items that are lost, stolen or damaged

If you need to cancel your flights due to unforeseen circumstances, CGU will reimburse you the purchase cost. If you used frequent flyer points, CGU will pay you the value of those points. If your flights are delayed or interrupted for over 6 hours outside of your control, CGU will cover additional accommodation, meals and expenses incurred while you wait.

CGU cover 44 pre-existing medical conditions, as listed in the Product Disclosure Statement (PDS), at no additional cost. To find out if your condition is covered, CGU will ask you questions when you get a quote. If your condition is not on the list, you may need to complete a medical assessment.

Call us for assistance on 13 61 91.

The maximum amount CGU will pay for luggage depends on the level of cover purchased. You can choose to increase this level by specifying individual items on your policy (at an additional premium cost).

Yes, provided you are less than 24 weeks pregnant, it is a single pregnancy, there are no unexpected complications and your pregnancy was not medically assisted.
If your pregnancy was medically assisted or there are complications, you will need to complete a medical assessment to determine if cover is available.

If you are more than 24 weeks pregnant, you won’t be covered for any medical treatments required due to your pregnancy. Please check with your doctor before arranging travel plans.

If you are a temporary resident of Australia with an Australian Visa, you can still get travel insurance. (CGU do not cover temporary residents on tourist or working holiday visas.) Please see the Product Disclosure Statement (PDS) for eligibility and further information.