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Travel Insurance

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No one likes to think about things going wrong, but it is important to know that should something happen in the lead up to or during your trip, that you and your family are protected by a suitable travel insurance policy. A range of different cover options are available depending on the nature of your trip. A summary of each of these is offered below:

Quote or Buy NowProduct Disclosure Statement

Types of cover

International travel

Level of cover Inclusions
Platinum High-level cover with unlimited overseas hospital and medical costs, unlimited emergency expenses and other great benefits.
Premium Mid-level cover, including unlimited overseas hospital and medical costs and other benefits.
Essentials Affordable basic cover that includes unlimited overseas hospital and medical costs. 
Annual Multi-Trip Platinum level cover for multiple international trips within a 12 month period. 

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
  • emergency expenses, and
  • accidental death and disability.

Ski/snowboarding 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
  • dental cover, and
  • replacement of your snow equipment if yours is lost, damaged or stolen. 

Cruise holidays

If you're heading on a cruise, we 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 dental cover if you have an accident
  • costs for returning home if it's deemed medically necessary
  • cover for extra activities and day trips, and
  • replacement of items that are lost, stolen or damaged.

Optional extras for valuables

If you're taking important possessions with you, we'll cover the replacement of such items as:

  • cameras
  • jewellery
  • bicycles
  • ski and snowboarding gear, and
  • golf clubs.
Conditions apply to all cover types. See the Product Disclosure Statement (PDS) for full terms and conditions.

We're there when you need us

If you get sick or injured, we'll provide cover for the ambulance, hospital and surgery while travelling overseas.

If your stuff is lost or stolen, we'll cover the costs for luggage, cameras, clothes and more.

If there's an emergency, we're here on the phone 24/7 and ready to help.

Great benefits

Read the PDS for the full list of product features.

Overseas medical

If you need unexpected medical or dental treatment while overseas, we'll cover you.


If you need to cancel your trip due to unforeseen circumstances, we'll refund your prepaid flights and accommodation.

Rental vehicle cover

If you have an accident in your rental car, we'll cover the vehicle's insurance excess.

Travel disruptions

If you lose your passport, have an accident or the weather goes bananas, we'll cover accommodation and travel expenses.

Need to make a claim?

Contact CGU's 24/7 claims hotline on 13 24 80.


  Are my flights covered with travel insurance?

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

  Are existing medical conditions covered?

We cover 44 pre-existing medical conditions, as listed in the PDS, at no additional cost. To find out if your condition is covered, we’ll 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 1300 361 761.

  Can I get cover for my expensive stuff?

The maximum amount we 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).

  Do you cover pregnancy?

Yes, provided you are less than 24 weeks pregnant, there are no 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.

  Can I get travel cover if I'm on a temporary visa?

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


  Related information:

Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you.

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