Comprehensive International travel insurance
Australia’s only travel insurance with instant payouts for common claims using the PassportCard
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What can our comprehensive travel insurance policies cover?
*Various limits apply (Basic has limited covers), ~Comprehensive policy only, ^When on-trip claim has been approved, using the PassportCard
^^If, during Your Journey, Your Luggage and Personal Effects are stolen, accidentally damaged or permanently lost
All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.
| Section cover | Product Type | Basic International Cover | Comprehensive International Cover |
|---|---|---|---|
| 1 | Cancellation & Journey Disruption | ✓ *(Limited) | ✓ *(Cover Chosen) |
| 2 | Overseas Medical & Dental Expenses | Unlimited ~* (Instant claims using the PassportCard) | Unlimited ~* (Instant claims using the PassportCard) |
| 3 | Hospital Related Expenses | ✓ $10,000* # | ✓ $10,000* # |
| 4 | Accidental Death | X | ✓ $30,000 |
| 5 | Permanent Disability | X | ✓ $30,000 |
| 6 | Loss of Income | X | ✓ $45,000*# |
| 7 | Covid 19 events | ✓ (Limited) | ✓ (Limited) |
| 8 | Travel Documents & Credit Cards | X | ✓ $5,000 |
| 9 | Theft of cash | ✓ Up to $500 on the PassportCard | ✓ Up to $500 on the PassportCard |
| 10 | Luggage & Personal Effects | X | ✓ $25,000* |
| 11 | Luggage & Personal Effects Delay Expenses | ✓ $250 on the PassportCard^ | ✓ $250 on the PassportCard, maximum of $1,000 in total* |
| 12 | Travel Delay Expenses (greater than 6 hours) | X | ✓ $6,000* # |
| 13 | Special Events such as a wedding | X | ✓ $6,000* # |
| 14 | Personal Liability | ✓ $3,000,000 in total | ✓ $5,000,000 in total |
| 15 | Rental Vehicle Insurance Excess | X | ✓ $5,000 |
| 16 | Pet Care if you are delayed on your return journey | X | ✓ $300 # |
Section cover 1
Cancellation & Journey Disruption
Basic International Cover
- ✓ (Limited)
Comprehensive International Cover
- ✓ (Chosen Cover)
Section cover 2
Overseas Medical & Dental Expenses
Basic International Cover
- Unlimited* (Instant claims using the PassportCard)
Comprehensive International Cover
- Unlimited* (Instant claims using the PassportCard)
Section cover 3
Hospital Related Expenses
Basic International Cover
- ✓ $10,000* #
Comprehensive International Cover
- ✓ $10,000* #
Section cover 4
Accidental Death
Basic International Cover
- X
Comprehensive International Cover
- ✓ $30,000
Section cover 5
Permanent Disability
Basic International Cover
- X
Comprehensive International Cover
- ✓ $30,000
Section cover 6
Loss of Income
Basic International Cover
- X
Comprehensive International Cover
- ✓ $45,000*#
Section cover 7
Covid 19 events
Basic International Cover
- ✓ (Limited)
Comprehensive International Cover
- ✓ (Limited)
Section cover 8
Travel Documents & Credit Cards
Basic International Cover
- X
Comprehensive International Cover
- ✓ $5,000
Section cover 9
Theft of cash
Basic International Cover
- ✓ Up to $500 on the PassportCard
Comprehensive International Cover
- ✓ Up to $500 on the PassportCard
Section cover 10
Luggage & Personal Effects
Basic International Cover
- X
Comprehensive International Cover
- ✓ $25,000*
Section cover 11
Luggage & Personal Effects Delay Expenses
Basic International Cover
- X
Comprehensive International Cover
- ✓ $250 on the PassportCard, maximum of $1,000 in total*
Section cover 12
Travel Delay Expenses (greater than 6 hours)
Basic International Cover
- X
Comprehensive International Cover
- ✓ $6,000* #
Section cover 13
Special Events (such as a wedding)
Basic International Cover
- X
Comprehensive International Cover
- ✓ $6,000* #
Section cover 14
Personal Liability
Basic International Cover
- ✓ $3,000,000 in total
Comprehensive International Cover
- ✓ $5,000,000 in total
Section cover 15
Rental Vehicle Insurance Excess
Basic International Cover
- X
Comprehensive International Cover
- ✓ $5,000
Section cover 15
Pet Care if you are delayed on your return journey
Basic International Cover
- X
Comprehensive International Cover
- ✓ $300 #
| Section cover | Product Type | Basic International Cover | Comprehensive International Cover |
|---|---|---|---|
| 17 | Cover While Cruising | ✓ (Limited to unlimited medical and evacuation only) | ✓ (Unlimited Medical and Evacuation *#) |
| 18 | Winter Sports Cover | ✓ (Limited to unlimited medical and evacuation only*#) | ✓ (Unlimited Medical and Evacuation *#) |
| 19 | Search And Rescue Expenses Cover | X | ✓ ($120,000 in total*) |
| 20 | Adventure Activities Cover | X | ✓ (Standard covers limits apply) |
| 21 | Golf Cover | X | ✓ (Various limits apply*) |
| 22 | Business Cover | X | ✓ (Various limits apply*) |
Section cover 17
Cover While Cruising
Basic International Cover
- ✓ (Limited to unlimited medical and evacuation only)
Comprehensive International Cover
- ✓ (Unlimited Medical and Evacuation *#)
Section cover 18
Winter Sports Cover
Basic International Cover
- ✓ (Limited to unlimited medical and evacuation only*#)
Comprehensive International Cover
- ✓ (Unlimited Medical and Evacuation *#)
Section cover 19
Search And Rescue Expenses Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ ($120,000 in total*)
Section cover 20
Adventure Activities Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Standard covers limits apply)
Section cover 21
Golf Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Various limits apply*)
Section cover 22
Business Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Various limits apply*)
*Sub limits apply (Basic has limited covers), # Waiting periods, ~ Limited to 12-month period, ^When on-trip claim has been approved, using the PassportCard, + T&Cs apply, ¹PassportCard Travel Insurance recognised in Mozo Experts Choice Awards 2025 – more information on the awards research methodology at Mozo. The Canstar 2025 Innovation Excellence Award was received in April, 2025 for PassportCard Travel Insurance.. All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.
The benefit limits are generally per Journey, per adult Insured Person (children are included in the benefit limits for the adults in Your travelling party), except for Section 14 Personal Liability. This table is a high level summary of benefits only and does not include full terms, conditions and exclusions. Sub-limits may also apply. We highly recommend that you read the Product Disclosure Statement (PDS) before buying these products to ensure our travel insurance products are right for you.
How does the PassportCard Instant Payouts work?
Other PassportCard International policies
Not sure you need our Comprehensive Cover? If you’ll be travelling light, without expensive personal items, our Basic Cover could be for you. It offers medical cover for Australians travelling overseas, plus some cover for other common claims. Find out more here – Explore Basic Cover.
If you need help, call our customer service team on 1300 123 413.