CUA Travel Insurance

Safer travels with CUA Travel Insurance policies

CUA is Australia's largest customer-owned bank and is committed to serving the interest of its members. Its product offerings include travel insurance.

Underwritten by Allianz, CUA Travel insurance provides several policies to suit the needs of different types of travellers. Keep reading to find out if CUA Travel Insurance is the right provider for you. does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

CUA Travel Insurance Policies

Whether you’re going skiing with the family or on a romantic getaway, CUA has several travel insurance options tailored to suit your needs. You can choose from:


Available as a single or family option, this all-inclusive plan covers:

  • Unlimited medical assistance and hospital expenses overseas
  • Unlimited cover for lost deposits and cancellations
  • Travel delays
  • Loss of cash
  • Domestic pets
  • Personal liability
  • Accidental death
  • Loss of income


This option is a simple, no-frills plan offering unlimited cover for the insurance elements that matter most:

  • Medical assistance and hospital costs
  • Luggage theft
  • Travel documents
  • Additional expenses
  • Return airfares
  • Personal liability
  • Replacement of travel documents or credit cards


The domestic policy provides you with cover for:

  • Cancellation
  • Luggage & Personal Effects
  • Personal liability
  • Additional expenses
  • Lost deposits
  • Car rental excess


The multi-trip policy provides the same protection as the comprehensive policy (benefit limits vary) but provides cover for multiple trips over a 12 months period.

So, what's covered?

Accidental Death$25,000$10,000$50,000
Additional Expenses$50,000$25,000$10,000$100,000
Alternative Transport Expenses$5,000$10,000
Cancellation Fees & Lost DepositsUnlimited$10,000$10,000Unlimited
Domestic Pets$500$500$500
Domestic Services$500$500$500
Emergency Dental Expenses (per person)$1,000$1,000$1,000
Hijack & Kidnap$10,000$20,000
Hospital Cash Allowance$5,000$10,000
Loss of Income$10,400$20,800
Luggage & Personal Effects$5,000$1,500$10,000
Luggage & Personal Effects Delay Expenses$500$500$1,000
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedUnlimited
Overseas Emergency Medical AssistanceUnlimitedUnlimitedUnlimited
Permanent Disability$25,000$50,000
Personal Liability$2,500,000$2,500,000$1,000,000$2,500,000
Rental Vehicle Insurance$3,000$3,000$3,000$3,000
Return Airfare$3,000$2,000$6,000
Theft of Cash$250$250$250
Travel Delay Expenses$2,000$4,000
Travel Documents, Transaction Cards & Travellers Cheques$5,000$2,000$10,000
Travel Services Provider Insolvency$10,000$20,000

Additional options available on CUA Travel Insurance policies

CUA travel insurance policies can be upgraded with Snow, Golf or Bike Packs:

The Snow Pack

This optional extra is available with the Comprehensive, Domestic and Multi-trip insurance options. For an additional premium, you’ll have cover for:

  • Emergency rescue cover up to $200,000 (except on the Domestic plan)
  • Your own and hired ski equipment
  • Piste closure
  • Bad weather

The Golf Pack

If you’re planning to play lots of golf during your holiday, this optional extra is ideal to cover damages and costs related to the sport and its equipment. The Golf Pack covers:

  • Both your own and hired golfing gear
  • Green fees
  • Hole-in-one

Bicycle Pack

Bicycles are not included under “Luggage and Personal Effects”. The CUA Comprehensive Plan can be upgraded with the Bicycle Pack, which covers bicycles if at the time the policy is issued the bike is:

  • Less than three years old
  • Valued at $1,500 or more
  • Free of defects

Steps to making sure you CUA Travel Insurance claim gets paid

  • Move quickly. Inform CUA of your situation as soon as possible. Be sure to submit your claims form. Not submitting a claims form and all relevant information in a timely fashion, can result in a reduced benefits.
  • Include as much relevant documentation as possible. Relevant information would include police and medical reports, valuations and receipts. Translating the documents will help expedite the process.
  • Cooperate. As the policyholder, it’s your responsibility to collect all the relevant information before submitting a claim. If you have to cut your trip short, call Allianz. All claims must be submitted in writing within 30 days before your return trip.

Important aspects of your policy


When applying for travel insurance, CUA requires you disclose all necessary information honestly. Not only does full disclosure help CUA decide whether or not to grant travel insurance, but it also ensures that if something does go wrong during your holiday, your claim will be awarded without any problems relating to missing or false information. CUA can cancel your policy or refuse to pay if it believes you have acted fraudulently.


Disputes and complaints should be addressed to CUA directly, either by phone or in writing. Complaints can also be resolved by the Financial Ombudsman.

General exclusions for CUA policies 

  • Recklessness. If you hurt yourself or damage property by intentionally putting yourself in danger, CUA can deny your claim
  • Change of plans. CUA travel insurance will not pay out in the event of you and your travel companion change your plans.
  • Aware of circumstances and loss mitigation. If you are aware of any circumstance that might result in an event where a claim could be made (for example, an existing injury or defective equipment), the policy will not pay out.
  • Errors or omissions. When applying for the policy, it’s imperative that you provide all the necessary information. In the case of missing or false information, your claim can be rejected.
  • Insolvency. You will not be able to claim from your travel insurance if any of the service companies (hotels, car hire, activities, etc.) booked or hired declare insolvency.
  • Illegal activities. Under no circumstances will your travel insurance cover any claim arising from illegal behaviour and activities.
  • Vehicles.If you are hurt or cause damage while driving a car or riding a moped, scooter or motorcycle without a valid Australian driver’s licence (or licence for the country you’re in), the travel insurance policy will not honour your claim.
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