Don't let potential mishaps ruin your trip. Look into AIG's International Travel Insurance for your next overseas travel
Travel insurance is one of those things you don’t realise the value of until need it, especially if you are excitedly focussed on itineraries, tour plans and shopping destinations. However, just as you don’t plan for anything bad to happen, you don’t have to be going on a skiing or skydiving holiday for something to go wrong and disrupt your plans. You could catch the flu or suffer food poisoning, your flight could be delayed or your baggage could be lost and while you may have an off day at home, or forget your bag on the bus when you’re going to work, when these things happen on your carefully planned holiday they can quickly turn disastrous.
Features included in this policy
Luckily, with AIG International Travel Insurance, you don’t need to worry about the worst case scenario or dwell on what might go wrong on your holiday, because you will be protected by a detailed policy, where your insurer has already thought of the worst and made sure that it all still turns out for the best.
The AIG International Travel Insurance policy protects you by including cover for:
- Cancellations. If your travel plans are cancelled due to circumstances outside of your control such as illness, accident, retrenchment or strikes, AIG will cover any cancellation fees you have to pay your travel agent or any deposits you lose. AIG will also reimburse you for any frequent flyer rewards points you lose.
- Emergency expenses. If your international travel is disrupted, AIG will pay for your additional accommodation expenses, meals and travel expenses.
- Travel delay. If you are delayed by your carrier for more than 10 hours, AIG will pay for any reasonable additional costs you have for accommodation and meals.
- Resumption of trip. If you return to Australia during your international trip because of the death, serious illness or injury of a relative, close business associate or your travelling companion, or because of your own illness or injury, AIG will cover the cost to resume your original trip, as long as your claim is not made on a one way ticket.
- Home help. If you are repatriated back to Australia because you have been hospitalised for more than 10 days overseas, AIG will pay for housekeeping or similar services up to the value of $1,500 for single cover policies and up to $3,000 for family cover.
- Accidental death cover. AIG will pay a death benefit if your death while travelling is accidental, as the result of a terrorist attack.
- Accidental disability. Pays you a lump sum benefit amount if you suffer a permanent disability during your overseas trip, as the result of an accident. You are also covered for your liability in case you cause the loss or damage of property or injury or death, as well as your liability for injuring another person, causing damage to their property, including your legal costs.
- Rental vehicle cover. AIG includes cover for the excess of a rental vehicle in case of collision, damage or theft. AIG International Travel Insurance covers you for an excess of up to $4,000, where the hire contract includes comprehensive motor vehicle insurance in case of loss or damage to the vehicle. You can increase the cover amount to pay this insurance excess up to $6,000 and for every $500 you increase the cover amount, you will pay an additional $15 in premiums.
- Loss of income. If you are unable to return to work when you get home, because of an accident or terrorist attack you suffered during your trip, AIG will pay you a loss of income benefit of $400 for 13 weeks while you recover.
- Financial default. If your travel services provider is in financial default, AIG will reimburse you for reasonable costs associated with changing your plans and providers. This does not include cover for travel agents which go into financial default.
- Seniors international travel insurance. AIG International Travel Insurance is available only if you are 69 years or under. If you are 70 years or older, you will need to take out the specific Mature Age Travel Insurance product.
- Australian residents cover. International travel insurance with AIG is only available to permanent Australian residents.
- Cruise liner cover. If you are travelling on a domestic cruise, you can take out the Bronze Plan, because you may be able to access overseas medical cover. If you are travelling on a cruise liner in the South Pacific, you can also take out the Bronze Plan, while cruises to other worldwide locations will require international travel insurance for the specific port of departure.
- Policy extension. You can extend your one trip international cover with AIG up to 12 months before your date of departure. Any pre existing medical conditions are limited under the term of the original policy.
- Adventure activities. Adventure activities which are covered by AIG international travel insurance at no extra cost include, snow skiing, bungee jumping, parasailing, water skiing, white water rafting, trekking, cycling and hot air ballooning.
Make a secure application for AIG International Travel Insurance
If you are looking for a comprehensive travel cover plan for your next trips and the cover features of the AIG international plan sound like a good git, you can visit the AIG website to begin your online application by following the secure link in the product table above. Once on the AIG site you can learn the terms and conditions of your policy via the product disclosure statement just to make sure this is the right option for you. If you are still interested in this policy you can begin your online application and get cover in place in as little as 10 minutes.