Comprehensive Travel Insurance

Virgin Money Travel Insurance - Compare our Travel Insurance: Comprehensive Travel Insurance

Pack some peace of mind with our Comprehensive cover

The Australian Department of Foreign Affairs and Trade (DFAT) has upgraded their travel advice to Do Not Travel (Level 4) for all overseas destinations, as well as implementing domestic travel restrictions. In light of this, unfortunately we will no longer issue new travel insurance policies, effective 25 March 2020. Of course, we will closely monitor this situation and we hope to support you with your travel again soon.

If you purchased travel insurance from 18 March – 31 March AND haven’t travelled or otherwise utilised your policy you may eligible for a full refund on your Travel Insurance policy. Please refer to our FAQs for more information.

We’re here for you, so please check back regularly for trips planned for a later date.

Here’s a summary of some inclusions and exclusions of our Comprehensive travel insurance plan. For full details, please read the Product Disclosure Statement (PDS).

What's covered?

Benefit	Single Limit
Overseas Emergency Medical Assistance⁶ This benefit provides emergency assistance if you injure yourself, become sick or die while overseas. The benefit includes: 24-hour emergency assistance Medical transfer or evacuation Provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas Messages to family The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation For detailed information please refer to the Product Disclosure Statement.	unlimited⁷ ^& ⁸
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: Medical Hospital Surgical Nursing Dental - where resulting from an injury For detailed information please refer to the Product Disclosure Statement.	unlimited⁷ ^& ⁸
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.	$1,000
Accidental Death⁶ 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.	$15,000⁸
Permanent Disability⁶ 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.	$15,000⁸
Funeral expenses incurred overseas or the cost of bringing your remains back to your home (per person)	$15,000
Cancellation⁶ 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: Sickness Accidents Strikes Collisions Redundancy Natural disasters For detailed information please refer to the Product Disclosure Statement.	As set out in the PDS⁸
Additional Expenses This benefit provides cover for the reimbursement of: The cost of reasonable additional accommodation and travel expenses incurred due to you or your travelling companion being certified unfit to travel resulting from sickness or injury Your travelling companion's or relative's reasonable accommodation and travel expenses to travel to, stay near or escort you following your hospitalisation due to serious injury or sickness The reasonable cost of returning to Australia due to the sickness or injury of you or your travelling companion or due to the death or hospitalisation of a relative For detailed information please refer to the Product Disclosure Statement.	$50,000⁸
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.	$2,000⁸ (up to $200 per day)
Alternative Transport Expenses This benefit provides cover for reasonable additional travel expenses, following travel delays, to reach: A wedding A funeral A conference A sporting event, or Prepaid travel/tour arrangements For detailed information please refer to the Product Disclosure Statement.	$5,000
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 Spectacles Personal effects Personal computers Cameras There are limits on individual items. You must report the loss to the appropriate authority, as set out in the Product Disclosure Statement, within 24 hours. For detailed information please refer to the Product Disclosure Statement.	$10,000⁸
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.	$500⁸
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: Passports Transaction Cards (Credit cards/debit cards/travel money cards) Travel documents Travellers cheques The benefit also provides cover for any loss resulting from the fraudulent use of the lost or stolen cards or cheques, not covered by any guarantee given by the issuing bank or company, provided you have reported the loss, as set out in the Product Disclosure Statement, within 24 hours. For detailed information please refer to the Product Disclosure Statement.	$5,000
Theft of Cash This benefit provides cover for the following items stolen from your person: Bank notes Cash Currency notes Postal orders Money orders You must report the loss to the appropriate authority, as set out in the Product Disclosure Statement, within 24 hours. For detailed information please refer to the Product Disclosure Statement.	$250
Rental Vehicle Insurance Excess This benefit provides cover for: The excess, deductible or liability fee specified in your rental agreement, or the cost of property damage for which you are liable, whichever is the lesser, resulting from your vehicle being stolen, crashed or damaged. The cost of returning your rental vehicle due to you being medically certified unfit to do so. Sub-limit applies. For detailed information please refer to the Product Disclosure Statement.	Optional
Personal Liability 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.	$1,000,000

This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply as set out in the PDS. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section.

⁶You do not have cover under these sections while travelling in Australia.

⁷Where used, the term 'Unlimited' only means there is no capped dollar sum insured.

⁸Sub-limits apply to particular types of losses or claims

If you have a Virgin Australia Velocity High Flyer card, you may already have travel insurance for international travel. Find out more or read the PDS.

What's not covered?

Keeping safe and playing it smart is definitely the way to go when you are travelling. 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 and any exclusions applicable to specific benefit sections in our 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.
Pregnancy complications

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.

Compare cover plans

Additional options you can add to your Comprehensive 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:

COMPREHENSIVE TRAVEL INSURANCE

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Additional options you can add to your Comprehensive Plan: