What TID Covers
We want you to explore the world and return home safely. But when the unexpected happens, our policies are designed to help you get back to the fun stuff.
We offer four plans with different policy benefits. You can compare the benefits in the table below. Like all travel insurance policies they don't cover everything. You should read the Product Disclosure Statement (PDS) carefully to ensure you select the cover that is best for you.
Note that Comprehensive coverage listed below includes both The Works international, and the Annual Multi Trip plans. Not all benefits are available on The Basics and Domestic plans.
Medical Expenses Overseas
Cover if you need medical help overseas for illness (including coronavirus) or injury, for costs such as hospitals, ambulance and doctors for up to a year after the illness or injury first occurred. If you're travelling with existing medical conditions, click here. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
Unlimited
The Basics
Unlimited
Domestic
N/A
Additional Expenses / Medical Evacuation
Medical evacuation by road or air to the nearest appropriate medical facility, including repatriation to Australia.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
Unlimited
The Basics
$250,000
Domestic
50,000
Cancellation Costs
Cover if you have to cancel your trip due to one of the events listed (e.g. illness or injury). For more information on trip cancellation coverage click here. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
Chosen limit - $2,000 with option to increase max unlimited
The Basics
Chosen limit - $1,500 with option to increase max $20,000
Domestic
Chosen limit - $2,000 with option to increase max $20,000
Personal Liability
Protection for you being legally liable for injuring other people or causing damage to their property, including pre-approved, reasonable legal defence costs. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$2,500,000
The Basics
$1,000,000
Domestic
$300,000
Luggage & Personal Effects
Cover if your luggage and personal effects are stolen, permanently lost or accidentally damaged due to circumstances outside of your control. Depreciation and sub-limits apply. Additional cover is available by specifying your valuable items and paying an additional premium.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$4,000
the Basics
$2,000
Domestic
$4,000
Coronavirus Travel Costs
Covers you for eight specific events related to Coronavirus (COVID-19), such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. This is a separate benefit to the cover offered for coronavirus for Medical expenses incurred overseas.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$2,500
The Basics
N/A
Domestic
$2,500
Rental Vehicle Insurance Excess
If you hire a car on your trip and have an accident our insurance pays up to $6,000 of any excess you may be liable for from the hire company.
Note the benefit amount does not change for multiple adults.Comprehensive
$6,000
The Basics
$6,000
Domestic
$6,000
Loss of Income
Cover if you cannot return to your usual full-time employment in Australia after 30 days due to an accidental injury suffered during your trip. Sub-limits apply. ;
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$10,000
The Basics
N/A
Domestic
N/A
Out of Pocket Expenses
Cover for out of pocket expenses if you are hospitalised overseas for more than 48 hours due to an sudden illness or serious injury sustained during your trip. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$8,000
The Basics
$N/A
Domestic
$N/A
Travel Delay
Cover if your pre-paid scheduled transport is delayed at least 6 hours for operational reasons due to unforseen reasons outside your control; for reasonable additional meals and accommodation; and your unusable, non-recoverable accommodation, events and attractions. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$2,000
The Basics
N/A
Domestic
$500
Special Events
Additional public transport expenses to get to a pre-arranged wedding, funeral, conference or prepaid sporting event, concert or music festival.
Note that if 2 adults are insuredon one policy the maximum benefit amount doubles.Comprehensive
$2,000
The Basics
N/A
Domestic
$2,000
Accidental Death
Cover if you die as a direct result of an accidental injury on your trip. Sub-limits apply.
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$25,000
The Basics
N/A
Domestic
$10,000
Total Permanent Disability
Cover if you suffer an injury resulting in total permanent disability
Note that if 2 adults are insured on one policy the maximum benefit amount doubles.Comprehensive
$12,500
The Basics
N/A
Domestic
N/A
Snow Sports Cover Option
If you are participating in snow sports that we can provide cover for, you must add this option to be covered for for overseas medical, cancellation and additional expenses. Learn more about Insurance for Snow Sports Sub-limits apply, including:
Note that if 2 adults are insured on one policy the maximum benefit amounts below double.Piste Closure
Cover for when the skiing facilities at the resort you have pre-booked before your trip commences and that you are staying in, are totally closed due to adverse snow conditions. /p>
Comprehensive
$1,000
The Basics
$1,000
Domestic
$1,000
Ski Lift Closure
Cover for pre-paid ski equipment hire, lift passes, and if, during your trip, you are prevented from skiing due to your illness or injury sustained during your trip
Comprehensive
$1,000
The Basics
$1,000
Domestic
$1,000
Hiring Replacemet Ski Equipment
Cover for the cost of hiring alternative ski equipment when your snow ski equipment is accidentally damaged, stolen, permanently lost, or misdirected.
Comprehensive
$2,000
The Basics
$2,000
Domestic
$2,000
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing