Is MyCover Travel Insurance the right option for your next trip?
MyCover Travel Insurance has a range of policies for holiday and business travellers, which are designed to suit a variety of travel plans and budgets. Underwritten by Allianz, one of Australia’s largest and most-respected insurance companies, MyCover Travel Insurance is protection you can trust.
There are four different plan types to choose from with MyCover Travel Insurance. These include comprehensive international cover, Australia only cover, budget cover and frequent traveller cover.
With MyCover, policies can be bought online and tailored to your specific requirements.
What are the benefits available with MyCover?
You can find all of the following benefits with the International Comprehensive and the Multi-Trip plans, while Budget Cover and Australia Only cover have a more tailored selection of benefits to help keep costs down.
- Cancellation fees and lost deposits. Get refunds for prepaid arrangements if sickness, accidents, strikes or other circumstances beyond your control necessitate a change of plans.
- Overseas emergency medical assistance. 24-hour medical assistance, ambulance, evacuation and hospital guarantees.
- Overseas medical expenses. Cover for the cost of required treatments if you’re injured or sick overseas, including nursing, medical, hospital and surgical costs.
- Emergency dental expenses. Treatments for sudden and acute dental pain while overseas.
- Additional expenses. Cover for you and your travel companion’s additional accommodation and travel expenses necessitated by someone’s sickness, accidental injury or death.
- Hospital cash allowance. $50 per day for hospital expenses, starting after 48 hours of continuous hospitalisation.
- Accidental death. Benefits payable in the event of death resulting from accidental bodily injury.
- Permanent disability. Benefits payable in the event of loss of sight in one or both eyes, or loss of the use of a hand or foot within 12 months of and resulting from an injury sustained while travelling.
- Loss of income. Benefits payable if you are unable to work for a period of 30 days or more following your return to Australia, due to an injury sustained on the trip.
- Travel documents, credit cards and traveller’s cheques. Cover for the cost of replacing these valuable items.
- Theft of cash. Cover for cash and other items stolen from your person, including postal orders, money orders, banknotes and similar.
- Luggage and personal effects. Protection for your valuables in the event of theft, loss or damage, with options for additional cover available.
- Luggage delay expenses. A payout to buy essential replacement items such as clothing if your luggage is delayed, misdirected or lost by your carrier.
- Travel delay expenses. Cover for additional meals and accommodation costs if your journey is disrupted for more than six hours.
- Alternative transport expenses. Cover for additional transport to special events, such as weddings, funerals, conferences, sporting events or other prepaid travel or tour arrangements, if you have experienced travel delays.
- Personal liability. Cover for your legal liability costs resulting from claims made against you for bodily injury or property damage.
- Rental vehicle excess. Cover for the cost of your rental car excess in the event of a rental car being stolen, damaged or crashed.
What cover options are there?
There are four different types of policy to choose from, including one option for domestic travel within Australia and three for international travel overseas.
See the benefits of:
- Domestic Australian travel insurance
- Comprehensive international travel insurance
- Cheap international travel insurance
- Multi-trip travel insurance
Australia Only: Domestic travel insurance
Australia Only is a lightweight no-medical policy designed to offer more flexibility and peace of mind when travelling around Australia.
| Cover | Single limits | Duo limits | Family limits |
|---|---|---|---|
| Cancellation fees and lost deposits | Unlimited | Unlimited | Unlimited |
| Additional expenses | $25,000 | $25,000 | $50,000 |
| Accidental death | $25,000 | $25,000 | $50,000 |
| Luggage and personal effects | $10,000 | $10,000 | $10,000 |
| Travel delay allowance | $2,000 | $2,000 | $4,000 |
| Personal liability | $2.5 million | $2.5 million | $2.5 million |
| Rental vehicle | $3,000 | $3,000 | $3,000 |
Note: Information in the table is correct as of September 2017
Comprehensive International travel insurance
Get heavy duty international travel insurance without breaking the bank, and enjoy a high level of protection while overseas.
| Cover | Single limits | Duo limits | Family limits |
|---|---|---|---|
| Cancellation fees and lost deposits | Unlimited | Unlimited | Unlimited |
| Emergency medical assistance | Unlimited | Unlimited | Unlimited |
| Emergency medical and hospital expenses | Unlimited | Unlimited | Unlimited |
| Emergency dental | $1000 | $1000 | $1000 |
| Additional expenses | $50,000 | $50,000 | $100,000 |
| Hospital cash allowance | $5,000 | $5,000 | $10,000 |
| Accidental death | $25,000 | $25,000 | $50,000 |
| Permanent disability | $25,000 | $25,000 | $50,000 |
| Loss of income | $10,400 | $10,400 | $20,800 |
| Travel documents, credit cards and traveller’s cheques | 5,000 | $5,000 | $10,000 |
| Theft of cash | $250 | $250 | $250 |
| Luggage and personal effects | $10,000 | $10,000 | $20,000 |
| Luggage delay allowance | $500 | $500 | $1000 |
| Travel delay allowance | $2,000 | $2,000 | $4,000 |
| Alternative transport expenses | $5,000 | $5,000 | $10,000 |
| Personal liability | $2.5 million | $2.5 million | $2.5 million |
| Rental vehicle | $3,000 | $3,000 | $3,000 |
Note: Information in the table is correct as of September 2017
Budget Cover: Cheap medical-only international travel insurance
Save money without foregoing essential overseas protection with MyCover’s medical-only Budget Cover plan.
| Cover | Single limits | Duo limits | Family limits |
|---|---|---|---|
| Overseas emergency medical assistance | Unlimited | Unlimited | Unlimited |
| Overseas emergency hospital expenses | Unlimited | Unlimited | Unlimited |
| Emergency dental | $500 | $500 | $500 |
| Personal liability | $5 million | $5 million | $5 million |
Note: Information in the table is correct as of September 2017
Frequent Traveller: Annual multi-trip travel insurance
If you’re a frequent flyer, you might want to consider getting annual multi-trip travel insurance for cost-effective protection on every trip you take in a year, up to 37 days per holiday and 90 days for business travel.
Note that only single, and not duo or family cover, is available with annual multi-trip cover.
| Cover | Single limits |
|---|---|
| Cancellation fees and lost deposits | Unlimited |
| Emergency medical assistance | Unlimited |
| Emergency medical and hospital expenses | Unlimited |
| Emergency dental | $1000 |
| Additional expenses | $50,000 |
| Hospital cash allowance | $5,000 |
| Accidental death | $25,000 |
| Permanent disability | $25,000 |
| Loss of income | $10,400 |
| Travel documents, credit cards and traveller’s cheques | $5,000 |
| Theft of cash | $250 |
| Luggage and personal effects | $10,000 |
| Luggage delay allowance | $500 |
| Travel delay allowance | $2,000 |
| Alternative transport expenses | $5,000 |
| Personal liability | $2.55 million |
| Rental vehicle | $3,000 |
Note: Information in the table is correct as of September 2017
What additional cover options does MyCover have?
Additional options that are available with MyCover Travel Insurance include increased luggage and personal effects cover, which allows you to purchase additional cover up to $5,000 for specific items of value (excluding jewellery) by paying an additional premium of $40 per $1,000 of cover.
Another option that is available to purchasers of the Comprehensive, Budget (International) or Annual Frequent Travellers plans is to remove the standard excess on these plans by paying an additional premium of $25.
Why get travel insurance with MyCover?
- Access four simple plans that can suit almost everyone’s needs
- Receive an instant quote so you can more easily compare prices
- Pay no excess on any benefits in the Australia Only plan
- Remove the excess from all international policies for only $25 more
- Get cover up to the age of 81, at straightforward premium costs of +50% from age 71–75, and +100% from age 76–80
- Get pre-existing conditions quickly and simply assessed online
Travel Insurance for pre-existing medical conditions
As with most travel insurance policies, MyCover Travel Insurance does not cover some pre-existing medical conditions, although you can apply for pre-existing medical conditions cover for some conditions under plans Comprehensive and Australia Only.
Conditions which are covered automatically and require no declaration include asthma, osteoporosis, cataracts, epilepsy and hiatal hernia, as long as they have not caused you to be hospitalised in the past two years.
Conditions that MyCover Travel Insurance will not cover include:
- Cancers and secondary cancers
- Conditions for which you have recently undergone surgery
- Conditions for which surgery is planned
- Conditions you are aware of, but have not yet sought a medical opinion about
- Conditions that are under investigation or awaiting a specialist opinion
- Conditions for which you have had spinal or brain surgery
- Conditions that have caused a seizure in the past 12 months
- Chronic or recurring pain requiring regular medication
- Mental illness including dementia, depression, anxiety, stress, autism and drug or alcohol addiction
- Bleeding complications, strokes or haemorrhages if Warfarin has ever been prescribed
- Cardiovascular disease
- Chronic lung disease
- Pregnancy complications.
General exclusions for MyCover Travel Insurance
As well as some pre-existing medical conditions, MyCover Travel Insurance is subject to certain exclusions, or circumstances in that cover will not be provided. These include:
- Failing to act responsibly to protect yourself and your property
- Failing to do all you can to reduce your loss
- Claims for consequential loss (e.g. loss of enjoyment)
- Being aware of something that would lead to your claim at the time of purchasing your policy (known circumstance)
- Claims for losses that are recoverable through other means (e.g. compensation)
- Failing to obtain the correct travel documents
- Acting illegally or breaking government regulations
- Claims for items confiscated or destroyed by a government authority
- Claims in relation to motorcycles, when you don’t have an Australian motorcycle licence
- Ignoring a government travel warning
- Claims involving acts of war, insurrection or military coups
- Claims that are nuclear-related
- Claims related to biological or chemical warfare or terrorism
- Travelling against the advice of a medical adviser
- Claims related to pregnancy or childbirth complications
- Claims for treatment of an addiction or rehabilitation expenses
- Claims involving suicide or attempted suicide
- Claims involving sexually-transmitted diseases
- Being under the influence of non-prescribed drugs or alcohol
- Pursuing a risky activity such as open water sailing, mountaineering, rock climbing, professional sport, parachuting or hang gliding
- Scuba diving without a licensed instructor or a current Australian diving licence
- Being a passenger in an air-supported device other than a licensed passenger aircraft.
How to make a travel insurance claim with MyCover
If you should ever have to make a claim on your MyCover Travel Insurance policy, here’s how to go about it:
- For medical, hospital or dental claims, contact Allianz Global Assistance as soon as possible.
- For damage or loss of luggage and personal effects, report the incident immediately to local police and obtain a written report from them.
- For damage or loss of luggage and personal effects by a carrier or other provider, report the incident to an appropriate official and obtain a written report from them.
- Complete the claim form and send it to MyCover’s Client Services department within 30 days, along with all necessary accompanying documentation, such as police reports, receipts of ownership, doctor’s reports etc.
- Wait for your claim to be assessed, which will be done as quickly as possible.
MyCover Travel Insurance FAQs
Q. How do I work out the international region that I'm travelling to?
- A. MyCover regions are rated in order of price from highest to lowest and are Worldwide, Europe, Asia and Pacific.
Q. What is an excess?
- A. The amount you must pay upfront for each claim made under your policy. You can think of it as the deductible on your insurance.
Q. Is MyCover Travel Insurance available to people over 76 years of age?
- A. MyCover Comprehensive and Australia Only covers travellers up to 81 years old and Budget and Annual Frequent Traveller covers under 71 years old.
Q. Am I covered if I work while I am overseas?
- A. No. MyCover Travel Insurance is for leisure travellers and if you injure yourself while working overseas, you would need to seek compensation from your international employer.
Q. Can I get a partial refund if I come home prematurely from my holiday?
- A. No. Once the 14 day cooling off period has passed, there are no refunds on your policy.
Q. Why do you not cover medical expenses within Australia?
- A. Because in Australia, you are covered by Medicare or your private health insurance.
MyCover Travel Insurance
MyCover Travel Insurance offers sound protection for Australians overseas. The comprehensive policy includes cover for a range of different circumstances that make it invaluable for those wanting complete peace of mind while on holiday. And the ease with which you can select the benefits you want online make it a straightforward and satisfying way to buy travel insurance.
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