Our Essentials Plan provides simple, cost-effective cover for your overseas trip across the most common travel insurance benefits, so you can travel with less worry.
Here’s a summary of some inclusions and exclusions of our Essentials travel insurance plan. For full details, please read the Product Disclosure Statement (PDS). However, please note that it's only available if you're aged 74 years or under at the time the policy is issued.
|Overseas Emergency Medical Assistance6
This benefit provides emergency assistance if you injure yourself, become sick or die while overseas. The benefit includes:
|Overseas Emergency Medical & Hospital Expenses6
(includes emergency dental expenses resulting from an injury overseas)
This benefit covers overseas medical treatment if you are injured or become sick overseas. It includes:
|Overseas Emergency Dental Expenses (per person)
(for the relief of sudden and acute pain to sound and natural teeth)
This benefit provides cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth (not resulting from an injury overseas). For detailed information please refer to the Product Disclosure Statement.
This benefit is payable if you die because of, and within 12 months of, an accidental bodily injury sustained during your journey. For detailed information please refer to the Product Disclosure Statement.
This benefit is payable in the event of total loss of sight in one or both eyes or loss of use of a hand or a foot because of, and within 12 months of, an injury sustained during your journey and the loss continues for at least 12 consecutive months and a medical specialist confirms it is beyond hope of improvement. For detailed information please refer to the Product Disclosure Statement.
|Funeral expenses incurred overseas or the cost of bringing your
remains back to your home (per person)
This benefit provides cover for your reasonable funeral expenses incurred overseas, or the cost of bringing your remains back to Australia, if you die as a result of an injury or a sickness during your journey.
Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home.
For detailed information please refer to the Product Disclosure Statement.
This benefit provides cover for the non-refundable portion of prepaid travel and accommodation arrangements scheduled to be used during your journey, if your journey is cancelled, rescheduled or shortened due to circumstances neither expected nor intended by you or which are outside of your control, such as:
This benefit provides cover for the reimbursement of:
|Travel Delay Expenses6
This benefit provides cover for reasonable additional meals and accommodation expenses (after an initial six-hour delay) if your journey is delayed due to circumstances beyond your control. For detailed information please refer to the Product Disclosure Statement.
(up to $200 per day)
|Alternative Transport Expenses
This benefit provides cover for reasonable additional travel expenses, following travel delays, to reach:
|Luggage & Personal Effects6
This benefit covers the lesser of the depreciated value, repair or replacement cost (up to the original purchase price) of luggage and personal effects or valuables which are stolen, lost or accidentally damaged, including:
|Luggage & Personal Effects Delay Expenses6
This benefit provides reimbursement for the reasonable costs you incur purchasing essential items of clothing and other personal items if your luggage and personal effects are delayed, misdirected or misplaced by your carrier for more than 12 hours. For detailed information please refer to the Product Disclosure Statement.
|Travel Documents, Transaction Cards & Travellers Cheques
This benefit provides cover for the issuer's fees for replacing travel documents lost or stolen from you during your journey, such as:
|Theft of Cash
This benefit provides cover for the following items stolen from your person:
|Rental Vehicle Insurance Excess
This benefit provides cover for:
This benefits provides cover for your legal liability to pay compensation, and your reasonable legal expenses, resulting from death or bodily injury to someone else, or physical loss of or damage to the property of other persons. For detailed information please refer to the Product Disclosure Statement.
Wherever you are on your travels, keeping safe and playing it smart is definitely the way to go. Everyone wants to have fun, but there are limits. That’s why all travel insurance policies have exclusions – a.k.a. the things we won’t cover.
It’s important to know what they are before you go, so we’ve outlined a few of the general exclusions below. We also suggest you check the full list under General Exclusions in our Product Disclosure Statement (PDS). We want you to have the time of your life. Just make sure you don’t put it at risk.
Drink, drugs and doing silly things
Let's face it: taking fun too far isn’t a great idea anywhere in the world. Especially when you’re overseas. So if you do something reckless, like drinking too much or taking drugs and it ends up going horribly wrong, you may not be covered. So please, take it easy and take care. For more on this, just head to our PDS.
Law breaking behaviour
Remember, even though you’re a traveller in another country, you’re not immune to their laws. So don’t go breaking any government prohibition or regulation, visa requirements or intentionally act illegally. Virgin Travel Insurance may not cover you. If you’d like to know more, our PDS is here to help.
On the road and licence-less
Car, moped or motorcycle, it’s invigorating driving overseas. But please, always make sure you stick to the road rules of the country you’re in. Speaking of rules, no matter what – and where – you’re driving, a valid Australian driver’s licence PLUS a valid driver’s licence for the country you’re in are absolute musts – even if you’re not required by law to have one in that country.
Rule of thumb: make sure you’re in possession of all relevant licences before you start that engine. Because in the unfortunate case of an accident, unless you have them, you may not be covered by us. There’s quite a bit more to know about all of this – including passenger information, so make sure you read our PDS to get the full details.
And if you’re riding or travelling as a passenger on a quad bike or on a motorcycle whose engine capacity is greater than 250cc, you may not be covered. With one exception: you’ll be AOK if you paid the additional premium for insurance under our Adventure Pack.
Going into 'no-go' zones
The world’s a wonderful place. But sometimes certain spots become ‘no-go’ zones for all sorts of reasons. That’s when the government steps in with advice and/or warnings. If this happens and you still set off into the direction of danger, you need to be aware there are some things you may not be covered for. To find out more, take a look at our PDS or check out our Travel Alerts.
Not following doctor's orders
If your doctor says you’re not fit to travel, take heed and stay at home. We may not cover a claim you make that relates to you travelling against the advice of any medical advisor. So rest up, get better, and go to those places you’ve been dreaming about when you get the go-ahead. Don’t forget, we also cover a wide range of pre-existing medical conditions.
If you’re pregnant and heading off overseas, there are a few things you do need to be aware of while you’re travelling. We won’t cover any claim directly or indirectly linked to pregnancy, childbirth or related complications – unless it’s a single, uncomplicated pregnancy (up to and including 23 weeks). For all the details, take a look at our PDS.
Additional options you can add to your Essentials Plan:
Your holiday is all about you, your travel insurance should be too. You can select from the additional options to increase your cover, for an additional premium: