Accidents & loss of income

If you should die, become disabled or suffer a loss of income as a result of an accident incurred on your trip, Travel with Us covers you.

What if you become permanently disabled on your overseas trip? Nothing could be more frightening than suffering an accident overseas that leads you to become disabled or unable to return to work once you get home to Australia. Except maybe for the thought of actually passing away on your trip.

Personal accident

If you suffer an accident that causes your death or results in loss of a limb, loss of sight, loss of extremity, or permanent total disablement while on your trip, Travel with Us will pay you up to the applicable limit amount to your immediate family members or, in the absence immediate family members, your beneficiaries.

A maximum payout of $15,000 is available on Basic and Domestic cover while on Comprehensive it’s $37,500.

Keep in mind

The Personal Accident benefit is not available on Saver cover levels

  • our liability as a result of the incident will be limited to AUD$15,000 in total for all in your travelling party if you purchase the Basic, Inbound or Domestic plan and AUD$37,500 in total for all in your travelling party if you purchase the Comprehensive plan
  • we will not pay for any illness or pre-existing medical condition that occurs, even though the illness or condition is caused or aggravated by the accident
  • we will not pay for any consequences of cosmetic surgery, or medical treatment not necessitated by an accident
  • if you are over the age of 70, the compensation payable in case of death or disablement is limited to 50% of the benefit limit
  • the death or loss of a limb, sight or extremity, or permanent total disablement must occur within one year of the accident
  • if we pay you for disablement, and you later die from the accident, we’ll
    pay your estate the difference between the disablement payment and the
    death payment
  • you must be receiving medical treatment and comply with the physician’s instructions.
  • we are entitled to:
    • obtain information from the physician who is treating or has
      been treating you;
    • have you treated by a physician we choose; and
    • in case of death, to demand an autopsy.

Very specific and strict conditions apply. Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details, and to see how we define loss or injury.

Loss of income

If you suffer an injury during your trip and after 30 days you become totally unable to work when you return to Australia, Travel with Us will pay you your average gross income, less usual legal deductions, for up to six months, calculated based on your return date to Australia.

A maximum payout of $5,200 is available on Basic cover while on Comprehensive it’s $12,000.

Keep in mind

  • The Loss of Income benefit is not available on Saver and Domestic cover levels.
  • We will not pay you for the first four consecutive weeks after you planned to resume your original employment.
  • You cannot claim under this benefit for your dependants.
  • Very specific and strict conditions apply. Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Compare our accidents and loss of income benefits across our levels of cover

It’s easy to choose the right level of cover when you compare how each one takes care of specific benefits. Travel with Us offers 4 travel insurance plans to suit every Australian. Compare our travel insurance levels to find the right cover for you.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

icon-pdf