Explore the comprehensive benefits of travel insurance with Travel Protect Insurance. Our travel insurance plans provide coverage for medical emergencies, trip cancellations, lost baggage, and more. Get the peace of mind you deserve.
Travel Protect Insurance offers a wide range of benefits to ensure your travel experience is worry-free. With our comprehensive travel insurance plans, you can enjoy your trip knowing that you can be protected against many unforeseen circumstances. Here are some of the key benefits:
Insurance benefits should not require a law degree. This page lists every major benefit across our two plans in plain English, with the actual numbers, so you can see exactly what you are buying before you quote. Always remember to refer to the Product Disclosure Statement (PDS), as some benefits have limits and sub-limits.
The benefits at a glance
| Benefit | | |
|---|---|---|
| Overseas emergency medical and dental | Unlimited* | Unlimited* |
| Emergency evacuation and repatriation | Included in medical | Included in medical |
| 24/7 emergency assistance | Included | Included |
| Cancellation and trip interruption | Up to $4,000 | Your choice, up to $40,000 |
| COVID-19 cancellation cover | Included | Included |
| Luggage and personal effects | Not included | Your choice, up to $10,000 |
| Rental vehicle insurance excess | Not included | Included |
| Personal liability | $250,000 | $250,000 |
| Cruise pack | Not available | Optional |
| Snow pack | Not available | Optional |
| Motorcycle and moped pack | Not available | Optional |
| Trip interruption upgrade | Not available | Optional |
How the flexible limits work
On Explorer, cancellation and luggage cover are not fixed: you choose the limit and the premium adjusts. A traveller with $18,000 of prepaid safari costs selects a higher cancellation limit; a backpacker with flexible bookings selects a low one. This is different from most policies on the market, where you pay for a fixed limit whether your trip needs it or not.
Explore each benefit
Each benefit has its own page with scenarios, what is and is not covered, and how to claim: Emergency Medical, COVID-19 Cover, Cancellation and Trip Interruption, Luggage and Personal Effects, Rental Vehicle Excess, and the Cruise, Snow and Motorcycle packs.
Medical Emergency
Coverage*
Our travel insurance provides coverage for unforeseen medical expenses incurred during your trip, including hospital stays, doctor visits, and emergency medical evacuations.
Trip Cancellation and
Interruption*
If your trip is cancelled or interrupted due to unforeseen events such as illness, natural disasters, or travel advisories, our insurance plans can reimburse you for non-refundable expenses.
Lost or Delayed
Baggage*
We understand that lost or delayed baggage can disrupt your travel plans. If your carrier confirms your baggage is delayed or misplaced for a period of more than 12 hours, our insurance can cover the cost of replacing essential items (up to $300 per insured person).
Travel Assistance*
Our dedicated team is available 24/7 to provide travel assistance and support. Whether you need help with medical referrals, travel arrangements, or emergency services, we're just a phone call away.
Emergency Evacuation*
In the event of a medical emergency or a natural disaster, our insurance can cover the cost of emergency evacuations, with your safety and well-being front of mind.
Personal Liability*
Our insurance plans offer personal liability coverage for your legal liability to pay damages or compensation caused to third-parties during your trip.
Rental Car Excess*
If you're renting a car during your trip, our insurance can cover the insurance excess charges in case of theft, damage, or accidents.
Trip Delay Coverage*
If your trip is delayed by more than six hours due to unforeseen circumstances such as weather conditions or airline strikes, our insurance can reimburse you for additional accommodation expenses.
Emergency Dental
Our comprehensive travel insurance offers specialized coverage for unexpected dental emergencies that may occur during your trip.
Any advice on this page is general only and does not consider your objectives, financial situation or needs. Before deciding, read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD), available on our Product Documents page. Terms, conditions, exclusions, limits and sub-limits apply. *Unlimited overseas emergency medical cover is subject to policy terms. Travel Protect is a business of Wise & Silent (AR 1301320), an authorised representative of battleface Insurance Services Pty Ltd (AFSL 536280); policies are underwritten by Pacific International Insurance Pty Ltd.