CUA Travel Insurance

Safer travels with CUA Travel Insurance policies

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    CUA is Australia's largest customer-owned bank and a well known travel insurance provider. Its product offerings include travel insurance. They have five policies: Platinum, Premium, Essentials, Domestic, and Cancellation Only.

    CUA travel insurance is not currently available via finder. You can visit their website at www.cua.com.au for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    CUA Travel Insurance policies

    CUA offers the following travel insurance plans:

    Platinum Plan

    This is CUA's most comprehensive travel insurance policy. It covers you for the the following:

    • Unlimited Cancellation or Rescheduling
    • Unlimited Overseas Medical and Hospital
    • $15,000 Luggage
    • Unlimited Emergency Expenses
    • $25,000 Accidental Death
    • $25,000 Accidental Disability
    • $2,500,000 Legal Liability
    • $5,000 Rental Vehicle Cover
    • $10,400 Loss of Income
    • $2,500 Financial Default
    • $650 Domestic Pets
    • $1,500 Domestic Services
    • $1,000 Travel Delay
    • $10,000 Hijack and Kidnap
    • $500 Mugging

    Premium Plan

    The premium plan is the second most comprehensive CUA travel insurance policy. It doesn't cover you for quite as much as Platinum but you'll still be covered for all the important stuff which come with generous limits. With it, you'll get:

    • $25,000 Cancellation or Rescheduling
    • Unlimited Overseas Medical and Hospital
    • $7,500 Luggage
    • $25,000 Emergency Expenses
    • $15,000 Accidental Death
    • $15,000 Accidental Disability
    • $2,000,000 Legal Liability
    • $3,000 Rental Vehicle Cover
    • $6,500 Loss of Income
    • $1,000 Travel Delay
    • $5,000 Hijack and Kidnap

    Essentials Plan

    CUA's mid-range travel plan is for the more budget conscious. You won't be covered for quite as much as their top two policies but you'll still get:

    • $25,000 Cancellation or Rescheduling
    • Unlimited Overseas Medical and Hospital
    • $3,000 Luggage
    • $15,000 Emergency Expenses
    • $1,000,000 Legal Liability

    Domestic Plan

    This is tailored to trips within Australia, so comes with cover for problems you might encounter here, including:

    • Cancellation or Rescheduling
    • Overseas Medical and Hospital
    • Luggage
    • Emergency Expenses
    • Accidental Death
    • Accidental Disability
    • Legal Liability
    • Rental Vehicle Cover
    • Loss of Income

    Cancellation Only Plan

    This is for those who want the bare minimum. It covers you if you need to cancel or reschedule your trip due to circumstances beyond your control. You don't get cover for anything else, so it's a fairly cheap policy.

    Additional options available on CUA Travel Insurance policies

    CUA travel insurance policies can be upgraded with Ski or Cruise options:

    The Ski and Winter Sports Option

    This optional extra is available with Platinum, Premium, Essentials and Domestic plans. For an additional premium, you'll have cover for:

    • Cancellation of Passes and Fees
    • Overseas Medical Expenses
    • Snow Ski Equipment
    • Piste Closure
    • Bad Weather
    • Lift Pass

    Cruise Option

    This optional extra is available with Platinum, Premium and Essentials plans. It can cover you for:

    • Cancellation
    • Onboard Medical Cover
    • Formal Cruise Attire
    • Emergency Expenses
    • Marine Rescue Division

    Specified Luggage Items

    Under this policy, you can get additional cover for specific items that you travel with, including:

    • cameras, laptop computer or tablet
    • smartphones or mobile phones
    • dental prosthesis
    • other items

    You can add this on to all policies except cancellation only.

    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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