What policy type do I need to take out for my holiday?

You can choose one of the following Cover types:

Single

Covers you and your dependants travelling with you. Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.

Duo

Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.

* Except for Benefit 19 - Rental Vehicle Excess

Family

Covers you, your spouse or partner, or your son or daughter and dependant children travelling with you. Dependant children may be your children or your grandchildren.

The benefit limits for Family Policies is equal to double the Single policy benefit limit^, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.

^ The benefit limit is not doubled for the following benefits and optional covers:

  • Benefit 13 - Theft of Cash
  • Benefit 18 - Personal Liability
  • Benefit 19 - Rental Vehicle Excess
  • Benefit 23 - Snow Resort Closure
  • Benefit 26 - Bicycle Pack
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