Understanding travel insurance

What does travel insurance cover me for?

What you're covered for depends on the level of travel insurance you have. 

Woolworths Travel Insurance has 4 policies that let you choose the level of cover that’s right for you and where you’ll be travelling to.

• Saver Travel Insurance is designed to cover you for the bare essentials of your travel, including unlimited overseas medical and hospital expenses and limited cover for lost luggage and personal effects. 
• Basic Travel Insurance provides you with all the benefits of Saver Travel Insurance, plus limited coverage for cancellation and amendment expenses. 
• Comprehensive Travel Insurance covers you for all the same benefits as Basic Travel Insurance, plus extra protection, including higher limits, Rental Vehicle excess, and travel delay expenses.
• Annual Multi-Trip Travel Insurance provides all the benefits of the Woolworths Comprehensive Insurance for trips up to 30 days at a time. You can make as many trips as you like within your period of cover, but you must not be away from Australia for more than 30 days during any one trip.

Am I covered by travel insurance on a cruise?

Yes. You can apply for any of the 4 Woolworths Travel Insurance policies for your cruise. When you're applying for travel insurance for your cruise it's important that you specify the destination of your cruise, as well as any ports you'll be stopping at. 

If your cruise is only travelling within Australia, you need to specify "Australian Cruise" as your destination.  If you select Australia as your destination instead of “Australian Cruise”, you won't be covered for any on-board medical expenses, any overseas medical expenses, or for the cost of any transfer to or repatriation from any overseas hospital.
 

Am I covered when I'm skiing?

You can add Snow Cover to your Woolworths Travel Insurance as a 'optional benefit'. Simply, add this when filling out your quote during the 'Cover options' section for an additional premium.

Compare the different levels of cover with the comparison table below:

Benefits	Saver	Basic	Comprehensive	Multi-trip
Children covered for free=
24/7 Overseas emergency medical assistance
Unlimited emergency medical and hospital expenses (Emergency dental treatment up to maximum amount of $500 per person)
Cancellation or amendment costs		$5,000	$20,000	$20,000
Additional expenses which includes cover for trip disruption and trip resumption expenses			$12,000	$12,000
Luggage and personal effects lost, stolen or damaged Up to $3,000 for computers, video recorders or cameras Up to $1,000 for mobile phones Up to $750 for all other items	$2,000 (No cover for laptops, tablets, phones, cameras and video cameras)	$5,000	$15,000	$15,000
Delayed luggage expenses If your bags are delayed for more than 12 hours, we will pay up to $375 for essential items. If you still have not received your bags after 72 hours, we will again pay up to $375.			Up to $750	Up to $750
Cover for lost or stolen travel documents, credit cards & travellers cheques			$5,000	$5,000
Theft of cash			$250	$250
Rental Car excess			$5,000	$5,000
Travel delay expenses If your travel is delayed by over 6 hours, we will pay up to $200 per day for accommodation and meals.			Up to $2,000	Up to $2,000
Hospital cash allowance $50 per day to cover the cost of miscellaneous expenses after you are hospitalised overseas for at least 48 hours.			Up to $5,000	Up to $5,000
Loss of income			Up to $10,400 Maximum 26 weeks	Up to $10,400 Maximum 26 weeks
Permanent disability			$25,000	$25,000
Accidental death			$20,000	$20,000
Personal liability	$1,000,000	$1,000,000	$3,000,000	$3,000,000
Optional benefits
Recreational winter sports
$0 Excess

Above is a summary only. Terms, conditions, limits (including sub-limits) and exclusions apply as set out in the Product Disclosure Statement. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details.

Managing your Travel Insurance policy