Travel with complete peace of mind: Comprehensive cover with Columbus Direct Premier Travel Insurance
A lot of things can go wrong while you’re on holidays. You can lose valuables, have your trip cancelled or delayed, or need medical attention. Without travel insurance, the implications of these types of situations can be financially devastating. This is why it is very important to have travel insurance.
Who Underwrites Columbus Direct Premier Travel Insurance?
Columbus Direct Travel Insurance Pty Limited (ABN 99 107 050 582) "ColumbusDirect" is authorised to deal in and provide general financial product advice about general insurance products. Columbus Direct Premier Travel Insurance is underwritten by certain underwriters at Lloyd's (the insurers). Columbus Direct is authorised by them, under binder agreement, to arrange, issue, vary and cancel these products on their behalf.
With Columbus Direct, you don’t need to worry about the unexpected, as they offer an array of travel insurance packages. Columbus Direct provides many affordable packages to suit even the most meagre travel budget. Best of all, because there are no agents or middlemen selling you these policies, you know you are getting a good deal.
What does the Columbus Direct Premier Travel Insurance Cover?
Columbus Direct Premier Travel insurance cover is divided into two sections: international and domestic. Below is a breakdown of what is covered with this package.
- 24-hour medical assistance. If you experience a covered medical emergency overseas, Columbus Direct will make arrangements for emergency treatment and repatriation if necessary.
- Overseas medical expenses and repatriation. This policy covers travel and accommodation costs for overseas trips. The emergencies covered include medical treatment, emergency transportation fees and doctor’s fees. Premier policyholders are eligible for a maximum dental benefit amount of $1000.
- Cancellation and curtailment costs. Columbus Direct Premier Travel Insurance also provide cancellation cover. Columbus Direct cover losses for advance payments, charges, deposits and other payments made should your trip be cancelled. For domestic trips the policy has a limit of $7,500, whereas the maximum benefit for the international policy is $20,000.
- Hospital cash allowance. Columbus Direct Premier provides a hospital cash provision but only if you are hospitalised outside your country of residence.
- Personal accident. If you are injured during your trip, this policy will provide a one-off benefit on top of medical costs incurred overseas for loss of sight, limbs, permanent disablement or death.
- Personal baggage. Columbus Direct Premier covers your personal baggage against loss, theft and damage.
- Delayed baggage. The international policy offers cover to replace necessities due to delayed baggage.
- Travel delay. Columbus Direct Premier covers for additional expenses that occur as a result of flight delays over six hours and is a listed reason in the PDS.
- Missed connection or departure. If you miss your connecting flight or departure due to your vehicle breaking down or a covered public transport failure, this policy has got you covered for up to $2000.
Columbus Direct Premier Services
Columbus Direct understands that emergencies require immediate attention. They are available 24 hours a day, and provide an emergency helpline. The emergency repatriation and overseas medical expenses provide a maximum benefit of $25 million. It’s important to note that this is only covered with international travel. Columbus Direct Premier does not cover medical expenses or emergency repatriation for domestic travellers.
Why Choose Columbus Direct Premier?
The services offered by Columbus Direct Premier are not just restricted to Australians. Non-citizens and expats can access these services, on the provision that they have been residents for three months. Columbus Direct Travel Insurance is a licensed insurance provider and their travel policies are underwritten by Lloyd’s.
What are the General Exclusions of the Direct Premier Policy?
There are exclusions/limitations that come with the Direct Premier Policy. These exclusions include:
- You cannot make claims for trips that were booked against medical advice or those that begun after a terminal prognosis was made. This policy does not cover trips with the intention of getting medical care.
- Certain exclusions apply to pregnant travellers. The pregnancy is not covered if you are travelling against medical advice, complications exist with the pregnancy at the time you book your trip or take out insurance, if the pregnancy resulted from an assisted reproductive programme, or if it is a multiple pregnancy.
- You are not covered for any foreseen circumstances that would likely be claimed.
- There are certain sports and adventure activities which are not covered. These include any professional sports, competitive races involving the use of vehicles or watercraft, and activities, that are not specifically listed, where there is a significant risk of bodily injury (eg. canyoning, yachting/boating outside of coast waters (20km limit).
No cover is available for motorcycling, unless it is on-road motorcycling, you hold all the required licences (refer to the PDS for policy requirements), and crash helmets are worn. If the bike is more than 125cc you will need to purchase the appropriate extension for cover to apply (Sports/Adventure and Work Activities Pack A).
- Self-inflicted injuries and accidents are exempted from coverage.
- The policy does not cover medical treatment related to drunkenness, alcoholism, drug use or sexually transmitted diseases.
- Claims made as a result of failure to comply with or wilful breaking of the law.
- The travel insurance policy does not cover war, invasions, riots, civil wars and other occurrences under similar circumstances.
If your intention is not to return to Australia, you are not covered by this insurance policy, but you can contact Columbus Direct to see whether you are eligible for a one-way policy. You must be 18 years of age and older to travel without an adult companion. Persons travelling with a terminal prognosis or against medical advice are not eligible for this cover. The cover is also not eligible for persons travelling with the intention of obtaining elective medical or convalescent care.
Who is Eligible in Getting a Columbus Direct Premier Travel Plan?
Columbus Direct Standard Travel plan covers Australian and New Zealand citizens, non-citizens and expats who have been residing in the country for three months or more. The travel plan only covers trips that begin and end in Australia or the country of application. In order to obtain a Columbus Direct travel insurance policy, the applicant must be no older than 84 years of age at the commencement date of the policy.
How to Make a Claim with Columbus Direct
Columbus Direct does not have a complicated claims process. Inpatient care, emergency repatriation and curtailment of your trip need to be authorised in advance by the 24 Hour Medical Assistance helpline. For any other claims, you need to get in touch with Fullerton Health Corporate Services, who can also supply you with a claim form. Your claim needs to include your full name, contact details such as your telephone number and mailing address, schedule number and description of the claim. Fullerton Health Corporate Services is the appointed handler of claims on behalf of Columbus Direct. This should be done as soon as possible and no later than 31 days after the end of your trip.
Personal baggage and monetary losses need to be reported to the police within 24 hours. You will be required to provide proof of ownership for any items claims and the police report as well.
If claiming medical attention, you will need to provide medical documents showing the illness or treatment plus treatment received along with an account for payment.
For claims for damages or losses where the carrier is at fault, notify the carrier in writing within three days and obtain a Property Irregularity Report (PIR).