CGU
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CGU Travel Insurance

Our verdict: Although CGU has a good range of benefits and customisation options, it was one of the only brands we found with absolutely no cover for COVID-19.

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By

Nicola Middlemiss

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Pros

  • Financial default is covered up to $2,500, so you'll be protected if a provider goes bust. Many travel insurance brands don't provide any cover at all.
  • Riding a motorbike or moped is covered as standard, as long as you have the appropriate licence and are behaving in a safe way.

Cons

  • There's no cover for any claims related to COVID-19, including overseas medical care. This is extremely rare. Most travel insurance brands offer at least some cover.
  • There's no option to add an adventure pack so some higher-risk activities can't be covered, such as quad biking, parachuting or trekking the Kokoda Trail.
CGU Travel Insurance is not currently available via Finder. You can head to the CGU website or compare alternative options available below.

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Summary of CGU Platinum Plan

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit84

Table updated October 2023

How does CGU Travel Insurance cover COVID-19?

CGU offers no cover for any claims related to COVID-19. This is extremely rare.

Most Australian travel insurance brands offer some cover for COVID-19. Often, brands will cover overseas medical expenses incurred as a result of COVID-19 and some brands even cover the cost of delays, cancellations, emergency transport or accommodation costs, and other related incidents.

What policies does CGU offer?

CGU offers six insurance policies to travellers. The Platinum Plan, Premium Plan, Essentials Plan, Domestic Plan and Cancellation Only Plan.

Travel plane luggage passport

Platinum

Passport

Premium

Luggage

Essentials

Australian map icon

Domestic

Map

Cancellation-Only

Hiking

Annual Multi-Trip

The insurer of this product is Insurance Australia Limited. It comes with a cooling-off period of 21 days and choice of $200 standard excess for international plans.

Here's a breakdown of CGU Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that CGU will cover.

Be aware, some of these benefits only apply on the Premium International Plan and exclusions apply. Always read the PDS.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Financial default
  • Theft of money
  • Luggage and travel delay
  • Kidnap and hijack
  • Personal liability
  • Accidental disability
  • Accidental death

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Optional add-ons

CGU also offers two add-ons that provide cover for a wider range of risks.

  • Ski and Winter Sports Option. Extend your policy to cover you while on the slopes, plus a range of specific risks such as piste closure, life passes, and avalanche.
  • Cruise Cover Extends your insurance policy to cover you while on a cruise as well as a range of cruise-related risks such as marine rescue, shore excursion cancellation, and formal attire. li>

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, CGU will not pay your claim if it relates to:

  • COVID-19 or any other pandemic or epidemic
  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not listed on your policy
  • An act of war, invasion or revolution
  • Mandatory quarantines or isolations
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th week of gestation
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the CGU PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make a CGU Travel Insurance claim

To start your claim, call CGU on 13 24 80. You'll need any relevant evidence or supporting documentation on hand, including medical reports, police reports, receipts, photos, tickets, etc.

Once your claim is lodged with CGU, a case manager will be allocated and you'll be contacted regarding the next steps.

Here's the bottom line about CGU Travel Insurance

While CGU has some good travel insurance benefits that other brands are missing, such as cover for financial default and loss of income, it lags in some major areas.

Namely, COVID-19. CGU offers no protection whatsoever for claims related to COVID-19, including overseas medical expenses. Many other brands cover this as standard, and some even cover any COVID-19 related incident outside of your control.

While motorcycle riding is covered as standard, there is also limited protection for adventure activities and cover for pregnancy ends at the end of the 24th week.

If you're still not sure about CGU, you can compare other travel insurance companies here.

Frequently asked questions

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4 Responses

    Default Gravatar
    susieFebruary 23, 2018

    Travel Insurance – Can you let me know if I can get 12months cover as I plan to do maybe three trips in this period. Japan, Europe, USA.
    Can you give me contact details so I can obtain quote.

    Reply
      Default Gravatar
      JoelMarch 8, 2018

      Hi Susie,

      Thanks for leaving a question on finder.

      Unfortunately, finder.com.au does not currently have access to this travel insurance brand. If you are looking for an Annual Multi trip insurance, you can compare and weigh your options here:

      https://www.finder.com.au/travel-insurance/annual-multi-trip-travel-insurance

      You will have to choose worldwide when filling out the form.

      Cheers,
      Joel

      Reply
    Default Gravatar
    amySeptember 19, 2015

    Travel Insurance query – I am 24 years of age, flying Perth to Paris depart 21 Sept arrive 22 Sept and then taking the train Paris to London on 24 Sept to study for several years in England. I would like one way cover for the trip, ‘super’ cover. Can you do this? What is the premium? How do I get this cover – note there is no ‘return’ date.
    Regards
    Amy

    Reply
      AvatarFinder
      RichardSeptember 21, 2015Finder

      Hi Amy,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact CGU directly as they are not part of the panel of insurers that we have access to.

      All the best,
      Richard

      Reply
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