Essentials Plan travel insurance cover
Just because you're travelling on a budget doesn’t mean you should skip the travel insurance. In fact, trying to save by travelling without insurance could cost you a lot more in the long run.
For anyone who wants to make the most of their holiday dollar, but understands the importance of overseas emergency medical cover, our Over Fifty Insurance Essentials Plan may have an answer.
Key Essentials Plan travel insurance benefits
This is simply a summary of the benefits of an Essentials travel insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
|Benefit||Single||Duo (per person)||Family||Section|
*Overseas Emergency Medical and Hospital Expenses (includes emergency dental expenses from an overseas)
*Overseas Emergency Dental Expenses [per person]
(for relief of sudden and acute pain to sound and natural teeth)
|*Cancellation Fees & Lost Deposits||$10,000||$10,000||$20,000||2.1|
|*Travel Delay Expenses||$2,000 (up to $200 per day)||$2,000 (up to $200 per day)||$4,000 (up to $200 per day)||3.2|
|*Luggage and Personal Effects||$3,000||$3,000||$6,000||4.1|
|*Luggage and Personal Effects Delay Expenses||$250||$250||$500||4.2|
|*Rental Vehicle Insurance Excess||$3,000||$3,000||$6,000||5.1|
|Funeral expenses incurred overseas or the cost of bringing your remains back to your home (per person)||$15,000||$15,000||$15,000||6.1|
This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ~Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. If you are hospitalised you must contact Allianz Global Assistance as soon as possible. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section.
Why choose Over Fifty Insurance?
Over 50 insurance specialists
As a specialist insurance provider for Australians over 50, we understand what it takes to deliver high quality service and insurance products.
Assistance 24 hours a day, 365 days a year
Overseas travel medical emergencies won't wait until the next business day. Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. Just phone us as soon as you need help and we’ll be there.
Global reach and expertise
We’re backed by Allianz Global Assistance. Supporting them is a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.
We've got you covered
If you need emergency help, the last thing you want is to make phone call after phone call. With Over Fifty Insurance, one call takes care of everything - claiming, emergency assistance, medical care and translators.
Over Fifty Insurance Pty Ltd ABN 58 007 165 200 AR 295939 is an authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Travel insurance is underwritten by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 and issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Terms, conditions, limits and exclusions apply. Any advice provided is general advice only and has not taken into consideration your individual objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.
Overseas Travel Medical Assistance
Our travel cover is backed by one of the world’s leading medical assistance providers, Allianz Global Assistance because we understand that if you have a medical emergency when you're travelling, you want to be certain you receive the best care possible.
The emergency assistance helpline is available 24 hours a day, 365 days a year. All you need to do is call as soon as you need help.
Pre-existing medical conditions and purchasing a policy
How far in advance can I buy my travel insurance policy?
You may purchase a travel insurance policy up to 12 months prior to your departure date.
For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.
For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.
Please note: Please note: There is a maximum period for any one journey under the Multi-Trip Plan. Please refer to the Travel Insurance Product Disclosure Statement for full details. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.
I am currently overseas and have no insurance - can I still purchase a policy?
No. Our policies can only be purchased before you commence your journey, while you are still in Australia.
Am I covered if I work overseas?
Our travel insurance can be used for the leisure traveller and also business people travelling overseas for business purposes. It cannot be used to cover events linked to employment overseas. Please refer to the GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS contained in the PDS.
If I return home early, do I get a refund?
If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the EXTENSION OF COVER section in your PDS.
What do I do if I think I have a pre-existing medical condition?
If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 1300 50 50 95.
How much does it cost to add cover for my pre-existing medical condition(s) to my travel insurance policy?
It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us to find out the applicable premium.
What happens if I purchase my travel insurance policy and a new medical condition develops? Would I need to pay an additional premium?
If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.