You’ll have the option of purchasing specialised cover for your trip by upgrading to one of the additional optional packs – Increase cancellation costs, increased luggage cover, add snow cover, rental vehicle excess and excess buy out.
Extra Cancellation Option
You can select the amount of cover - trip limit - required for your cancellation related expenses, and you will know what the additional premium is. The standard trip limit for cancellation or re-arrangement related expenses is $5,000 with cover both before and during your trip.
New for Old Luggage Option
Standard luggage cover is provided with each policy. New for Old Luggage cover applies if you add specified items under the 'New for Old Luggage Option' when buying the policy for an additional premium. With the standard cover, your luggage and personal items may be covered, less depreciation and any excess that applies to the policy, if they are stolen, lost or damaged.
If you plan on taking part in winter sports on your trip, you need this option to cover your activities. When you purchase the Winter Sports Option you will also have cover under events that would normally be excluded if they occurred while participating in a winter sport.
Rental Vehicle Excess Option
If you plan on renting a vehicle, you should check how much insurance excess you would have to pay if the rental vehicle is in an accident, damaged or stolen. If insurance excess is more than $5,000, you can choose to increase the cover under your policy for an additional premium.
Excess Buy-out Option
This allows travellers to reduce the standard excess on their policy to $0 and is shown on your policy. This excess is your contribution towards the expenses when you make a claim. If you claim under an event and an excess applies, the insurer will deduct the excess amount from what they may pay.