Defence Health Travel Insurance
Defend yourself against travel disaster – Defence Travel Insurance
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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Defence Health Travel Insurance is designed for members and employees of the Australian Defence Force and their families. It provides flexible cover for international travel, domestic travel, frequent travellers and even specialty travel such as snow, golf, cruise and adventure travel.
Underwritten by Allianz Australia Insurance Limited, Defence Health Travel Insurance offers a highest level of assurance because it is backed by one of the world's biggest insurance groups.
While you don't need to be a member of the Defence Force to take out cover, members of Defence Health, serving ADF and army Reservists get discounts on their Defence Health Travel Insurance.
Find out more about Defence Health Travel Insurance
Defence Health Travel Insurance provides cover with some special features for ADF members and their families. This includes:
- Cover for leisure travel from their overseas base for ADF members and their families on deployment.
- Cover for leave cancellation if an ADF member receives notice of deployment after booking a holiday.
- Special rates for ADF members, active reservists and Defence Health members.
To join Defence Health, you must be in one of the following groups (permanent members of the ADF do not need to join):
- ADF families – partners and children of full-time ADF members
- Reservists & families – active reservists and their families
- Former ADF members – those who have served in the ADF in the past and their families
- ADF supporters – those who have worked for the ADF or defence-related agencies
- Extended families – the extended families of all these groups.
In order to qualify for Defence Health Travel Insurance, you must:
- be an Australian resident
- be travelling from and returning to Australia (unless assigned overseas by the ADF)
- be 74 years or under, if applying for multi-trip cover.
The reason ADF members and their families choose Defence Health Travel Insurance is not just because of their eligibility. Defence Health is a not-for-profit fund and that makes a huge difference to the products and services they’re able to offer.
Because they’re not-for-profit, they don’t spend their time chasing profits for shareholders. Contributions stay in the fund, which means lower premiums and more benefits for members. It also means superior service. Because Defence Health employees are focused entirely on serving their members, the level of service is exceptional.Back to top
Defence Health Travel Insurance offers several different policies, depending on your needs, including Single, Duo, Family and Individual. The type of cover available under each is flexible and includes Domestic, Comprehensive, Multi-Trip and Non-Medical Plan. The main areas of cover are summarised here:
- Overseas Emergency Medical Assistance – emergency medical treatment, medical evacuation and funeral expenses.
- Overseas Emergency Medical & Hospital Expenses – hospital treatment and accommodation and emergency dental treatment.
- Accidental Death – payment of a benefit if you die because of an injury sustained on your journey.
- Permanent Disability – payment of a benefit if you are permanently disabled because of an injury sustained on your journey.
- Hospital Cash Allowance – daily payment to cover incidentals if you are hospitalised.
- Loss of Income – weekly benefit if you are unable to work when you return to Australia because of an injury sustained on your journey.
- Cancellation Fees & Lost Deposits – reimbursement of non-refundable cancellation fees and lost deposits on unused travel and accommodation.
- Travel Services Provider Insolvency – reimbursement of prepaid travel and accommodation lost due to the insolvency of your travel services provider.
- Additional Expenses – reimbursement of additional accommodation and travel expenses if you cannot travel because of illness or injury.
- Travel Delay Expenses – reimbursement of meals and accommodation incurred because of a delay to your journey.
- Alternative Transport Expenses – reimbursement of additional travel expenses to reach an event on time, if your prepaid arrangements are disrupted.
- Domestic Services – daily payment for housekeeping services if you are disabled on your journey and are unable to perform them yourself upon returning to Australia.
- Domestic Pets – reimbursement of additional dog or cat boarding fees if you are delayed from returning to Australia.
- Hijack & Kidnap – payment for each 24-hour period you are held captive, if you are hijacked or kidnapped on your journey.
- Luggage & Personal Effects – reimbursement for luggage and personal effects lost, stolen or damaged on your journey.
- Luggage & Personal Effects Delay Expenses – reimbursement for purchase of essential items because your luggage is misdirected or misplaced by a carrier.
- Travel Documents, Transaction Cards & Travellers Cheques – payment of replacement costs if these items are lost, stolen or destroyed.
- Theft of Cash – reimbursement for cash, postal orders or money orders stolen from your person on your journey.
- Rental Vehicle Insurance Excess – cover for the excess payable by you in the event of damage or theft of your rental vehicle.
- Personal Liability – covers your legal liability if you kill, injure or damage the property of another person on your journey.
How much your Defence Health Travel Insurance costs you will depend on factors such as the type of policy you opt for and the level of cover you choose. Obviously your age and health status will; also have an effect on how much you pay.
As a comparison, a young, healthy traveller will generally pay less than an older person with pre-existing medical conditions. If that young person planned to participate in sporting activities on their journey however, they would then pay more for cover, so how much you ultimately pay depends on the level of cover you think you will need.Back to top
If you are a certain age or have a pre-existing medical condition, you may have to purchase additional cover if it is available. If you are 75 years of age or over, some pre-existing conditions can be covered on application under the Domestic and Comprehensive plans.
Circumstances where cover for pre-existing medical conditions is not available under these plans include:
- if you are waiting on or have had an organ transplant
- if you have been diagnosed with less than 24 months to live
- if you require oxygen
- if you have AIDS
- if you have chronic renal failure.
You can still obtain travel insurance for your trip under these circumstances, but only under the Non-Medical Plan, where no cover for events arising out of your illness or injury is provided.
Pre-existing conditions that are automatically covered include asthma, cataracts, diabetes, glaucoma and hypertension.Back to top
As well as the main areas of cover, Defence Health Travel Insurance offers a number of extras not always available with other insurance policies. These include:
- Flexible Excess – the choice to increase your excess and reduce your premium on Comprehensive, Multi-Trip and Non-Medical plans.
- Increased Item Limits – the option to purchase extra cover for your important possessions.
- Rental Vehicle Excess – the option to increase your Rental Vehicle Excess cover up to an additional $6,000, in case of an accident.
Defence Health Travel Insurance also offers Specialty Activity Packs, which allow you to take out specialised insurance for the kind of trip you are planning. These include:
- Snow Pack – covers emergency rescue, ski equipment and ski hire equipment, piste closure, bad weather and avalanche closure.
- Golf Pack – covers golf equipment and golf hire equipment and pre-paid green fees.
- Cruise Pack – covers medical treatment, ship to shore evacuation, cabin confinement, pre-paid excursion cancellation and formal attire.
- Adventure Pack – covers extreme sports and activities such as abseiling, caving, diving, hiking, martial arts, sailing and tandem sky diving.
Sports and activities that are automatically covered in your Defence Health Travel Insurance policy include:
- recreational bicycling
- bungee jumping
- dog sledding
- licensed scuba diving under 10 metres
- recreational horse riding
- non-competitive ice skating
- supervised indoor rock climbing
- paintball (with eye protection)
- non-contact racquet and ball sports
- licensed ballooning
- sailing up to 10 miles from land
- shark cage diving (subject to diving restrictions)
- fixed target shooting
- skateboarding, roller skating and inline skating
- walking, hiking, trekking and tramping.
Circumstances where cover will not be provided by Defence Health Travel Insurance include:
- reckless behaviour
- failure to reduce your losses
- consequential loss (e.g. loss of enjoyment)
- change of plans
- prior knowledge of a potential claim
- amounts recoverable elsewhere
- performing manual work
- errors or omissions by you or your travel adviser
- illegal acts
- acts of invitees
- government confiscation
- unlicensed driving or riding
- epidemic or pandemic
- ignoring government travel warnings
- war, rebellion or military coups
- nuclear reaction, contamination or radioactivity
- chemical or biological attack
- travelling against medical advice
- prior terminal prognosis
- pregnancy (see conditions)
- treatment for drug or alcohol addiction
- mental or nervous conditions
- sexually transmitted diseases
- acting under the influence
- elective surgery
- ignoring safety warnings
- air travel other than in a licensed passenger aircraft
- professional sport.
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