Backpacker Travel Insurance Budget Insurance Policy - Travelinsure

Budget Travellers Essentials Insurance
Cover-More

Please read and check the Summary of the Features and Benefits below and you may well find they are sufficient for your travel requirements. "Essentials" Travel Insurance is a quality policy for the traveller on a budget.

The Cover-More "Essentials" Travel Insurance
schedule of benefits is outlined below.
This information is valid from 1 July 2009.

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"Essentials" Schedule Of Benefits

Policy
Section
Benefit Benefit Limits
International Plan IB
Benefit Limits
Domestic Plan D
Summary of the Features and Benefits
1 Overseas Medical
And Dental

$10,000,000
Medical cover will not exceed 12 months from onset.

$Nil

Cover for hospital, medical, surgical, nursing, ambulance and emergency dental expenses.

2 Additional
Expenses
$10,000

Cover for additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.

3 Amendment Or
Cancellation Costs
$10,000

Cover, if due to unforeseen circumstances outside your control your journey has to be re-arranged, or cancelled e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment.

4 Luggage And Travel Documents $3,000
Item limits apply.
$3,000
Item limits apply.

Luggage – cover for loss, theft or damage.
Travel documents – cover for replacement cost if lost or stolen.

5 Delayed Luggage Allowance $200 $Nil

Cover for the cost of essential emergency purchases overseas if all your luggage is delayed by a transport provider.

6 Rental Car Insurance Excess $Nil
Unless purchased as an extra cover option.
$2,000
Extra cover available.

Cover for the excess you become liable to pay as a result of damage to, or theft of, a rental car.

7 Travel Delay $Nil $750

Cover for additional accommodation expenses if your scheduled transport is delayed for more than 6 hours.

8 Special Events $Nil $2,000

Covers additional costs to get you to a special event (as defined) if you would miss it due to unforeseen circumstances outside your control.

9 Cash In Hospital $1,000 $Nil

$20 per night if you are hospitalised overseas due to a disabling injury or sickness provided you are in hospital for at least 48 hours.

10 Hijacking $2,000 $Nil

$200 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle.

11 Loss Of Income $Nil $1,500
Up to $250 per month.

Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia.

12 Disability $Nil $10,000

Benefit payable if, due to an injury sustained during your journey, you suffer total loss of sight in one or both eyes or total loss of the use of a limb.

13 Accidental Death $10,000 $10,000

Benefit payable (to your estate) if you die due to an injury sustained during your journey.

14 Personal Liability
$1,000,000
$200,000

Cover for legal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons.

15 Medical and Dental Expenses
In Australia
Only for Area 6
$1,000,000
Medical cover will not exceed 12 months from onset.
$Nil

Cover for hospital, medical and emergency dental expenses incurred in Australia, provided you are not an eligible person within the meaning of the Health Insurance Act.

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