Whether you’re heading overseas or travelling within Australia, protect yourself with CGU Travel Insurance.
Why do I need travel insurance?
When dreaming about your next holiday, the last thing you’re imagining is that something bad is going to happen. However, the fact is that there are more than 20,000 incidents a year involving Australians overseas¹. When you consider those numbers it makes sense to travel with the peace of mind that CGU travel insurance provides.
Travel insurance is useful not just for major scenarios but for more common occurrences such as lost luggage, stolen possessions (purse, wallet, travel documents etc.), cancelled flights, involvement in an accident, or a medical emergency in a foreign hospital.
Cover your trip
CGU Travel Insurance covers you for almost any mishap that could occur when travelling.
Whether you’re heading overseas or travelling within Australia, CGU offers a wide range of affordable travel insurance plans, with benefits tailored to your destination.
24-hour Worldwide Emergency Hotline
If you find yourself in difficulty when travelling, one reverse charge phone call from anywhere in the world will put you in touch with our multilingual staff. Their expert assistance can help you manage any problems or emergencies.
Within Australia (02) 8895 0698
Outside Australia +61 2 8895 0698
Levels of cover
CGU offer four levels of international cover so that you can choose the amount of protection that suits you best. It is important to note that depending on your destination, a minimum level may be required in order to ensure you are adequately protected.
For domestic travel we have crafted a one size fits all policy and all you need to do is choose to purchase as a single or a double.
Types of Cover
CGU offers a range of covers to suit different needs. You can choose between single or doubles cover, for which both cover any dependent children at no additional cost.
If you are travelling in Australia you only need to complete a medical assessment if you have a pre-existing medical condition that you want to be covered for; otherwise you can be covered for domestic travel insurance regardless of your age.
At CGU we do offer seniors cover for International travel however, if you are over 70 we do ask you to complete an online medical assessment before we determine your cover.
Pre Existing Medical Cover
Claims for most pre-existing medical conditions are specifically excluded from this policy; however we do provide automatic cover for some medical conditions that meet certain requirements.
For all other pre-existing medical conditions you may still be able to obtain cover.
Cover for pre-existing medical conditions is optional and if you are approved an additional premium will apply if you decide to add the extra Cover.
Some of the key things CGU Travel insurance covers
- Overseas medical, dental and additional medical expenses
- Luggage and travel documents
- Emergency purchases for lost or delayed luggage
- Cancellations, delays and rescheduled travel cover
- Returning you to Australia if medically required
- Video cameras, cameras and portable electronic equipment
- Return of hire car and excess waver
- Loss of income if you are unable to return to work once you get back to Australia
Some things that are outside of your cover
- Any incident that does not occur during the period of insurance
- Any act of violence or intentional damage by you
- Hunting, off-piste skiing, polo, yachting in international waters
- Theft or loss of
- Cash or banknotes
- The effects of alcohol or drugs
- Not following travel warnings by governments or the media
- Stress disorders that result in deciding not to travel
- Any illegal or unlawful act
Empire Financial Services Pty Ltd ABN 14 064 465 309 (“EFS”) has an agreement with CGU Insurance Limited ABN 27 004 478 371 AFSL 237281 (“CGU”) for the distribution of general insurance products. EFS is entitled to receive from CGU a commission for insurance products issued pursuant to this agreement. Please contact EFS on 03 9429 3600 for further information. Insurance products are issued by CGU. A product disclosure statement for the insurance products is available here. You should consider the product disclosure statement before making a decision in regard to your insurance needs.