Every policy against every other
This compares wording, not meaning. Two policies can exclude the same thing in different words, and this comparison will call that a difference. Every distinctive clause carries subject_found_elsewhere for exactly that reason: where another insurer's exclusions mention the same subject, the difference is in the drafting.
Every current travel policy in this dataset compared with every other, clause by clause. Built to answer the questions the benefit tables cannot: what one policy excludes that another does not, and which of them sell a benefit back as an option.
32policies compared
12retail
20from a credit card
30,096clauses read
What the comparison answers
Do all these policies let you pay extra for snow sports?
No. 12 of the 32 policies read sell snow sports cover as a paid option; the rest either exclude it, cover it without a surcharge, or do not mention it at all.
Snow sports is the clearest case in this dataset of a benefit that is excluded as standard and sold back. Never assume it: check the policy's own row below, and for a card programme check it twice, because a programme that sells no options at all cannot add it.
Is there anything one insurer's policies always exclude that no other insurer's do?
2 exclusion clauses appear in every policy of one insurer and nowhere else, in wording or in subject. A further 34 are unique to an insurer in wording only: another insurer excludes the same thing in different words.
A clause counts for an insurer when it appears in every current policy that insurer underwrites in this dataset, and in no policy of any other insurer, after amounts, numbers, insurer names and the first and second person are normalised away. An insurer with one policy here is left out: 'always' means nothing about a single document.
Before quoting this: This compares wording, not meaning. The clauses under wording_only are drafting differences, not differences in cover, and saying otherwise would be wrong. Only the clauses under subject_unique_too are a real candidate for 'this insurer excludes something others do not', and even then the right next step is to read the other insurer's document rather than to assert it.
Thirteen topics, across every policy
Each one opens to a row per policy, with the sentence that policy says it in. A policy that both excludes something and sells it back is counted as selling it back, because that is the answer a reader needs.
Snow sports 12 sold as a paid option · 5 covered, no surcharge · 8 excluded · 3 mentioned, unclear · 4 not mentioned
Skiing and snowboarding are excluded as standard by most travel policies and sold back as an option. Whether a policy sells it back, and at what price, is the whole question for a ski trip.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| cba-premium-cards | Zurich | sold as a paid option | Snow Skiing/Boarding Offpiste and Heli-skiing/Boarding Claims arising from your participation in the following activities during your journey are covered if the cardholder adds the Snow Pack to the Overseas Travel Policy and pays us an extra premium |
| westpac-cards | Allianz | sold as a paid option | the optional Snow Pack and the activity is a snow sport activity covered under that optional pack |
| australia-post | Zurich | sold as a paid option | Snow Skiing, Snowboarding and Snowmobiling Cover page 17 for details of optional cover available to purchase and the terms that apply.) 26 |
| budget-direct | Zurich | sold as a paid option | Snow sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium, You will be covered if |
| cover-more | Zurich | sold as a paid option | Snow Sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium for Snow Sports, You will only be covered if |
| fast-cover | Lloyd's | sold as a paid option | For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus”), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium |
| insureandgo | Mitsui | sold as a paid option | This exclusion does not apply to claims for damage to Winter sports equipment where the Winter sports cover upgrade has been purchased, or to claims relating to golf equipment |
| medibank | Zurich | sold as a paid option | See Snow skiing, snowboarding and snowmobiling on page 17 for details of optional cover available to purchase and the terms that apply |
| tick | Mitsui | sold as a paid option | Any claim relating to winter sports unless you have purchased the Winter sports cover upgrade |
| travel-insurance-direct | Allianz | sold as a paid option | the optional Snow Pack and the activity is a snow sport activity covered under that optional pack |
| webjet | Zurich | sold as a paid option | snow skiing, snowboarding and snowmobiling cover on page 9 and Activities and adventure activities cover on page 8 for details of optional cover available to purchase and the terms that apply.) |
| zoom | HDI | sold as a paid option | Your claim arises from snow sport activities, except as provided under the Optional Benefits – Snow Pack and you paid the additional premium for snow cover |
| bendigo-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| hsbc-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| mycard-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| nab-card-insurance | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| virgin-money-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| beyond-bank-cards | Chubb | excluded | Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence) |
| macquarie-black | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level) |
| macquarie-platinum | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level) |
| pn-bank-cards | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level) |
| qantas-money-platinum | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level) |
| qantas-money-titanium | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level) |
| racv | Tokio | excluded | 19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment |
| travel-insurance-saver | Lloyd's | excluded | In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless You have entered the dates when You plan to participate in snow sports and these dates are shown on Your Certificate of Insurance or if You have purchased an Annual Multi-Trip policy which automatically includes 23 days of snow sports cover per year |
| amex-platinum | Chubb | mentioned, unclear | Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence) |
| bankwest-cards | Zurich | mentioned, unclear | claims involving participation by you (during the journey) in off-piste snow skiing or snowboarding or heli-skiing/ snowboarding, or 33 |
| great-southern-bank-cards | Allianz | mentioned, unclear | Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling |
| anz-platinum-black | Allianz | not mentioned | — |
| bank-of-melbourne-cards | Allianz | not mentioned | — |
| banksa-cards | Allianz | not mentioned | — |
| stgeorge-cards | Allianz | not mentioned | — |
Cruising 7 sold as a paid option · 6 covered, no surcharge · 10 excluded · 9 mentioned, unclear
A cruise is medically remote: the ship's doctor is not covered by Medicare and an evacuation is by helicopter. Most policies treat it as an option rather than as ordinary travel.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| cba-premium-cards | Zurich | sold as a paid option | Cruise Extras As well as the cover we provide you under the Overseas Travel Policy for cruising, the cardholder can pay to upgrade your policy to include the Benefits 17.1 - 17.5 provided in the Cruise Extras |
| australia-post | Zurich | sold as a paid option | cancelling the cruise, cruise travel or that occur while on a cruise such as getting sick or injured onboard a cruise vessel), You must tell Us You are doing a cruise and pay an extra premium to have cover |
| budget-direct | Zurich | sold as a paid option | If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters |
| cover-more | Zurich | sold as a paid option | Cruise Cover The following benefits only apply to the International plans where Cruise Cover is included and the additional premium for participation in multi-night cruising has been paid |
| medibank | Zurich | sold as a paid option | If You are cruising and have paid the additional premium for Cruise Cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters |
| webjet | Zurich | sold as a paid option | If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters |
| zoom | HDI | sold as a paid option | You must have selected the cruise pack, paid the additional premium for cruise cover and have it shown on your certificate of insurance in order to be covered for all the benefits of the relevant plan |
| bendigo-cards | Allianz | covered, no surcharge | Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship |
| great-southern-bank-cards | Allianz | covered, no surcharge | Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship |
| hsbc-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| mycard-cards | Allianz | covered, no surcharge | Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship |
| nab-card-insurance | Allianz | covered, no surcharge | Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship |
| virgin-money-cards | Allianz | covered, no surcharge | Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship |
| bankwest-cards | Zurich | excluded | There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise |
| macquarie-black | Chubb | excluded | going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using |
| macquarie-platinum | Chubb | excluded | going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using |
| westpac-cards | Allianz | excluded | 7.5 FORMAL WEAR - CRUISE You have this cover if you purchased the optional Cruise Pack |
| fast-cover | Lloyd's | excluded | There is no cover for claims related to cruises unless the optional Cruise cover has been purchased by You and is listed on Your Certificate of insurance |
| insureandgo | Mitsui | excluded | No cover is available under this policy for travel on commercial cruise ships |
| racv | Tokio | excluded | a) If Your cruise has medical facilities and medical providers onboard, and meets the definition of Cruise, at the time You purchase Your policy please select ‘Australian Cruise’ |
| tick | Mitsui | excluded | No cover is available under this policy for travel on commercial cruise ships |
| travel-insurance-direct | Allianz | excluded | 7.5 Formal Wear - Cruise You have this cover if you purchased the optional Cruise Pack |
| travel-insurance-saver | Lloyd's | excluded | any claim if You are confined to the onboard hospital while the cruise vessel is travelling in Australian waters |
| amex-platinum | Chubb | mentioned, unclear | or (b) when You leave Your Home or Your Work (whichever occurs last) to travel to a harbour port to board a Scheduled Cruise |
| anz-platinum-black | Allianz | mentioned, unclear | an air or cruise ticket departing from and returning to Australia |
| bank-of-melbourne-cards | Allianz | mentioned, unclear | “overseas” outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| banksa-cards | Allianz | mentioned, unclear | outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| beyond-bank-cards | Chubb | mentioned, unclear | pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket |
| pn-bank-cards | Chubb | mentioned, unclear | or (ii) pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket |
| qantas-money-platinum | Chubb | mentioned, unclear | you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket |
| qantas-money-titanium | Chubb | mentioned, unclear | you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket |
| stgeorge-cards | Allianz | mentioned, unclear | outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
Pre-existing conditions 3 sold as a paid option · 18 excluded · 3 mentioned, unclear · 8 not mentioned
The single most common reason a travel claim is refused.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| westpac-cards | Allianz | sold as a paid option | a) agree in writing to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply) |
| travel-insurance-direct | Allianz | sold as a paid option | agree in writing to include cover under your policy for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply) |
| zoom | HDI | sold as a paid option | If we offer you cover and you decide to accept our terms and conditions and pay the additional premium, we will provide written confirmation of each pre-existing medical condition |
| amex-platinum | Chubb | excluded | Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – L (below) |
| anz-platinum-black | Allianz | excluded | No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unlessAllianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy |
| bank-of-melbourne-cards | Allianz | excluded | or e] arising from a pre-existing medical condition |
| banksa-cards | Allianz | excluded | arising from a pre-existing medical condition |
| bendigo-cards | Allianz | excluded | b] arising from a pre-existing medical condition of you, your travel companion or a relative |
| beyond-bank-cards | Chubb | excluded | any Pre-existing Medical Conditions (except under Section F - Resumption of Long Overseas Trip Cover, 2 - Returning to Australia for a Close Relative with a Pre-Existing Medical Condition) |
| great-southern-bank-cards | Allianz | excluded | b] arising from a pre-existing medical condition of you, your travel companion or a relative |
| hsbc-cards | Allianz | excluded | No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy |
| macquarie-black | Chubb | excluded | Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below |
| macquarie-platinum | Chubb | excluded | Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below |
| mycard-cards | Allianz | excluded | g) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover |
| nab-card-insurance | Allianz | excluded | g) Arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover |
| pn-bank-cards | Chubb | excluded | Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below) |
| qantas-money-platinum | Chubb | excluded | Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below |
| qantas-money-titanium | Chubb | excluded | This Policy does not cover any PreExisting Medical Conditions under Sections A-K below |
| stgeorge-cards | Allianz | excluded | e] arising from a pre-existing medical condition |
| virgin-money-cards | Allianz | excluded | g] arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing |
| travel-insurance-saver | Lloyd's | excluded | There is no cover for the following pre- existing medical conditions There is no cover for any loss You may suffer as a result of any Pre-existing Medical Condition as detailed below |
| fast-cover | Lloyd's | mentioned, unclear | For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued |
| insureandgo | Mitsui | mentioned, unclear | Pre-existing medical condition A pre‑existing condition includes any of the following |
| tick | Mitsui | mentioned, unclear | We are not obligated to pay a claim relating to a pre-existing medical condition if you have a Basic or Budget cover |
| bankwest-cards | Zurich | not mentioned | — |
| cba-premium-cards | Zurich | not mentioned | — |
| australia-post | Zurich | not mentioned | — |
| budget-direct | Zurich | not mentioned | — |
| cover-more | Zurich | not mentioned | — |
| medibank | Zurich | not mentioned | — |
| racv | Tokio | not mentioned | — |
| webjet | Zurich | not mentioned | — |
Adventure and high-risk activities 9 sold as a paid option · 5 covered, no surcharge · 12 excluded · 6 mentioned, unclear
Motorcycling, diving, trekking at altitude and quad biking are each excluded by some policies and covered by others, often with a condition attached.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| cba-premium-cards | Zurich | sold as a paid option | Motorcycle/Motorscooter/Quadbike riding as the driver or passenger Even if the cardholder pays the extra premium, you will only be covered if |
| australia-post | Zurich | sold as a paid option | (See Motorcycle/Moped Riding Cover pages 16-17 for details of optional cover available to purchase and the terms that apply.) 25 |
| budget-direct | Zurich | sold as a paid option | Motorcycle/moped riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/Moped Riding+, You will only be covered if |
| cover-more | Zurich | sold as a paid option | Motorcycle/Moped Riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/ Moped Riding+, You will only be covered if |
| fast-cover | Lloyd's | sold as a paid option | Motorcycle Pack This benefit provides optional cover for riding or being a passenger on a motorcycle, moped or scooter in the circumstances as explained below |
| insureandgo | Mitsui | sold as a paid option | as the rider of a motorcycle 500cc and above you have selected and paid for the Activities Plus upgrade, and it shows on your Insurance certificate |
| medibank | Zurich | sold as a paid option | See Motorcycle/Moped riding on page 17 for details of optional cover available to purchase and the terms that apply |
| racv | Tokio | sold as a paid option | No additional Premium for Motorcycle and Moped/Scooter |
| webjet | Zurich | sold as a paid option | If You pay the additional premium for Motorcycle/Moped Riding, You will only be covered if |
| bendigo-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| hsbc-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| mycard-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| nab-card-insurance | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| virgin-money-cards | Allianz | covered, no surcharge | Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to |
| amex-platinum | Chubb | excluded | r ental of trucks, buses (except for mini buses hired for recreational purposes), other commercial vehicles, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bikes |
| beyond-bank-cards | Chubb | excluded | Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence) |
| macquarie-black | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level) |
| macquarie-platinum | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level) |
| pn-bank-cards | Chubb | excluded | the rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles |
| qantas-money-platinum | Chubb | excluded | t he rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles |
| qantas-money-titanium | Chubb | excluded | some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level) |
| westpac-cards | Allianz | excluded | tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities) |
| tick | Mitsui | excluded | commercial vehicles, buses, minibuses, trucks, full-size vans mounted on truck chassis, campers, motorhomes, trailers, motorbikes, motorcycles or moped and any other vehicle having fewer than four wheels and limousines |
| travel-insurance-direct | Allianz | excluded | tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities) |
| travel-insurance-saver | Lloyd's | excluded | There is no cover for any climbing / trekking activity in Nepal |
| zoom | HDI | excluded | you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in |
| anz-platinum-black | Allianz | mentioned, unclear | scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor |
| bank-of-melbourne-cards | Allianz | mentioned, unclear | scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor |
| banksa-cards | Allianz | mentioned, unclear | scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor |
| bankwest-cards | Zurich | mentioned, unclear | while in control of a motorcycle or motorscooter you hold a valid Australian motorcycle rider’s licence or Australian motor vehicle driver’s licence |
| great-southern-bank-cards | Allianz | mentioned, unclear | scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor |
| stgeorge-cards | Allianz | mentioned, unclear | scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor |
Epidemics and pandemics 1 sold as a paid option · 1 covered, no surcharge · 30 excluded
What a policy says about an epidemic is the clause most rewritten since 2020, and the one most likely to differ between two policies from the same insurer.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| budget-direct | Zurich | sold as a paid option | or where You have paid the additional premium for COVID-19 Amendment or Cancellation Costs cover, the policy limit is capped at the amount shown in the benefits summary on page 6 |
| qantas-money-titanium | Chubb | covered, no surcharge | loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is covered under specified Events 1 and 2) |
| amex-platinum | Chubb | excluded | t he cancellation or postponement of a Special Event arising from or related to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses |
| anz-platinum-black | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| bank-of-melbourne-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| banksa-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| bankwest-cards | Zurich | excluded | pandemic means an epidemic that is expected to affect an unusually large number of people or involves an extensive geographic area |
| bendigo-cards | Allianz | excluded | For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover |
| beyond-bank-cards | Chubb | excluded | an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these |
| cba-premium-cards | Zurich | excluded | There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise |
| great-southern-bank-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| hsbc-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| macquarie-black | Chubb | excluded | loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip) |
| macquarie-platinum | Chubb | excluded | loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip) |
| mycard-cards | Allianz | excluded | For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover |
| nab-card-insurance | Allianz | excluded | For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover |
| pn-bank-cards | Chubb | excluded | loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip) |
| qantas-money-platinum | Chubb | excluded | (b) mandatory quarantine except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine |
| stgeorge-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| virgin-money-cards | Allianz | excluded | For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover |
| westpac-cards | Allianz | excluded | For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| australia-post | Zurich | excluded | (This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19) |
| cover-more | Zurich | excluded | cabin confinement claims arising from or caused by COVID-19 (whether or not You are diagnosed with COVID-19) |
| fast-cover | Lloyd's | excluded | There is no cover if You are diagnosed with COVID-19 or test positive to COVID-19 within 72-hours of purchasing Your Policy |
| insureandgo | Mitsui | excluded | Any quarantine that is imposed by a government or other official body which is not as a result of your, or your travelling companion’s, diagnosis of COVID-19 |
| medibank | Zurich | excluded | (This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19) |
| racv | Tokio | excluded | For all other sections and any other claim arising from, or related to Pandemics or Epidemics, cover is excluded |
| tick | Mitsui | excluded | a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs) Pandemic An epidemic that is expected to affect more than one country or declared to be a pandemic by a public health authority |
| travel-insurance-direct | Allianz | excluded | other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover |
| travel-insurance-saver | Lloyd's | excluded | an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these |
| webjet | Zurich | excluded | caused by an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses |
| zoom | HDI | excluded | the costs or expenses that you incurred were due to mandatory quarantine or isolation orders such as cross-border restrictions between states, countries, or regions, or if the government bans travel before or during your trip |
Rental vehicle excess 2 sold as a paid option · 3 covered, no surcharge · 27 excluded
Sold at the counter for a daily fee; a policy that covers it makes that purchase unnecessary.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| fast-cover | Lloyd's | sold as a paid option | You can purchase the Rental Vehicle Excess cover for either up to $5,000 or $8,000 with the Standard Saver, Comprehensive, Snow Sports Plus or Frequent Traveller Saver Policies by paying an additional premium |
| tick | Mitsui | sold as a paid option | If you pay an extra premium, your policy can include an excess waiver (excess eliminator) which will remove all excesses (except for increased medical excesses listed in the Table of covered sports & activities on pages 43-46) |
| medibank | Zurich | covered, no surcharge | If the Rental Car is damaged or stolen while in Your control during the Period of Insurance We will pay the lower of the Rental Car insurance excess or the repair costs to the Rental Car that You become liable to pay |
| racv | Tokio | covered, no surcharge | We will cover all drivers accepted by the rental company and listed on Your Rental Vehicle agreement |
| travel-insurance-saver | Lloyd's | covered, no surcharge | RENTAL VEHICLE INSURANCE EXCESS You are covered up to the amount shown in the Schedule of Cover for reimbursement of vehicle rental insurance excess or the cost of repairing the rental vehicle, whichever is the lower amount, if You rent a vehicle from a rental company and it is damaged or stolen |
| amex-platinum | Chubb | excluded | Loss Damage Waiver Cover Covers loss or damage to a Rental Vehicle |
| anz-platinum-black | Allianz | excluded | you using the rental vehicle in breach of the rental vehicle agreement |
| bank-of-melbourne-cards | Allianz | excluded | you using the rental vehicle in breach of the rental vehicle agreement |
| banksa-cards | Allianz | excluded | you using the rental vehicle in breach of the rental vehicle agreement |
| bankwest-cards | Zurich | excluded | are the nominated driver on the rental vehicle agreement, and |
| bendigo-cards | Allianz | excluded | you using the rental vehicle in breach of the rental agreement |
| beyond-bank-cards | Chubb | excluded | damage or liability not covered under the insurance for loss or damage to the Rental Vehicle |
| cba-premium-cards | Zurich | excluded | are the nominated driver on the rental vehicle agreement, and |
| great-southern-bank-cards | Allianz | excluded | f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement |
| hsbc-cards | Allianz | excluded | This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies |
| macquarie-black | Chubb | excluded | costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle |
| macquarie-platinum | Chubb | excluded | costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle |
| mycard-cards | Allianz | excluded | you using the rental vehicle in breach of the rental agreement |
| nab-card-insurance | Allianz | excluded | you using the rental vehicle in breach of the rental agreement |
| pn-bank-cards | Chubb | excluded | costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle |
| qantas-money-platinum | Chubb | excluded | amage or liability not covered under the d insurance for loss or damage to the Rental Vehicle |
| qantas-money-titanium | Chubb | excluded | damage or liability not covered under the insurance for loss or damage to the Rental Vehicle |
| stgeorge-cards | Allianz | excluded | a] you using the rental vehicle in breach of the rental agreement |
| virgin-money-cards | Allianz | excluded | f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement |
| westpac-cards | Allianz | excluded | or g) your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental vehicle agreement |
| australia-post | Zurich | excluded | and c) have comprehensive motor vehicle insurance for the Rental Car for the hire period |
| budget-direct | Zurich | excluded | b) are the nominated driver on the Rental Vehicle agreement |
| cover-more | Zurich | excluded | are the nominated driver on the Rental Vehicle agreement |
| insureandgo | Mitsui | excluded | Any claim arising from you operating or using the Rental Car in violation of your rental agreement |
| travel-insurance-direct | Allianz | excluded | the rental vehicle agreement offered by the rental company or agency specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen |
| webjet | Zurich | excluded | b) are the nominated driver on the Rental Car agreement |
| zoom | HDI | excluded | 16.2 WE WILL NOT PAY We will not pay a claim involving the theft or damage to your rental vehicle if claim arises from your operating or using the rental vehicle |
One-way travel 7 covered, no surcharge · 10 excluded · 15 mentioned, unclear
A traveller moving overseas, or leaving with no return booked, is outside most of these policies entirely rather than merely limited by them.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| anz-platinum-black | Allianz | covered, no surcharge | If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| bendigo-cards | Allianz | covered, no surcharge | If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| great-southern-bank-cards | Allianz | covered, no surcharge | If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| hsbc-cards | Allianz | covered, no surcharge | If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under the policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| mycard-cards | Allianz | covered, no surcharge | If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| nab-card-insurance | Allianz | covered, no surcharge | If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| virgin-money-cards | Allianz | covered, no surcharge | If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control |
| amex-platinum | Chubb | excluded | It does not cover One-Way Trips where You have no plans to return to Australia |
| bank-of-melbourne-cards | Allianz | excluded | If after you have met the eligiblity criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for |
| banksa-cards | Allianz | excluded | If after you have met the eligibility criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for |
| macquarie-black | Chubb | excluded | It does not cover One-Way Trips where You have no plans to return to Australia |
| macquarie-platinum | Chubb | excluded | It does not cover One-Way Trips where You have no plans to return to Australia |
| pn-bank-cards | Chubb | excluded | any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work |
| qantas-money-platinum | Chubb | excluded | It does not cover One-Way Trips where you have no plans to return to Australia |
| qantas-money-titanium | Chubb | excluded | It does not cover One-Way Trips where you have no plans to return to Australia |
| racv | Tokio | excluded | 1.10 The cost of a return ticket if You have not purchased a return air ticket to Australia |
| travel-insurance-saver | Lloyd's | excluded | than 3 months and to where You will be repatriated if medically necessary except for medical repatriation under a one way travel policy |
| bankwest-cards | Zurich | mentioned, unclear | Cover applies for the maximum consecutive duration shown, for an overseas journey commencing from the departure date shown on the cardholder’s return overseas travel ticket |
| beyond-bank-cards | Chubb | mentioned, unclear | any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work |
| cba-premium-cards | Zurich | mentioned, unclear | When the cardholder cancels their return overseas travel ticket |
| stgeorge-cards | Allianz | mentioned, unclear | when you cancel your return overseas travel ticket |
| westpac-cards | Allianz | mentioned, unclear | you have a return overseas travel ticket before leaving Australia |
| australia-post | Zurich | mentioned, unclear | e) If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses |
| budget-direct | Zurich | mentioned, unclear | e) If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses |
| cover-more | Zurich | mentioned, unclear | If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses |
| fast-cover | Lloyd's | mentioned, unclear | If You need to return to Your Home and do not hold a return ticket, We will reduce the amount of Your claim by the price of the new fare |
| insureandgo | Mitsui | mentioned, unclear | If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return |
| medibank | Zurich | mentioned, unclear | If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses |
| tick | Mitsui | mentioned, unclear | If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return |
| travel-insurance-direct | Allianz | mentioned, unclear | If we pay your claim for additional travel expenses to return to your home and you do not have a return ticket booked to Australia before the event causing your claim occurred, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from |
| webjet | Zurich | mentioned, unclear | e) If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses |
| zoom | HDI | mentioned, unclear | c) If you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from |
Pregnancy and childbirth 9 sold as a paid option · 1 covered, no surcharge · 20 excluded · 2 mentioned, unclear
Policies differ on the week of gestation at which cover stops, and on whether the pregnancy had to be free of complications.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| bankwest-cards | Zurich | sold as a paid option | This exclusion will be waived to the extent that cover is provided if you applied for, and we accepted, cover and you paid the extra premium for your pregnancy |
| cba-premium-cards | Zurich | sold as a paid option | The cover provided under the Upgrade is in respect of your pregnancy (only) for unexpected serious medical complications arising before the start of the 24th week of pregnancy |
| westpac-cards | Allianz | sold as a paid option | However, you may consider purchasing an upgrade to a Comprehensive International Travel Insurance and apply to include cover under it for claims arising directly or indirectly from your pregnancy by completing our medical assessment |
| australia-post | Zurich | sold as a paid option | If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us |
| budget-direct | Zurich | sold as a paid option | If We are able to approve cover for the condition(s) or pregnancy You must pay an additional premium to Us |
| cover-more | Zurich | sold as a paid option | If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us |
| medibank | Zurich | sold as a paid option | If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us |
| racv | Tokio | sold as a paid option | Associated with pregnancy, childbirth or related complication except as provided for on pages 9–11 under the ‘Medical Conditions’ section, and if required where an additional Premium has been paid |
| webjet | Zurich | sold as a paid option | If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us |
| zoom | HDI | covered, no surcharge | PREGNANCY If you are pregnant when you take out the policy or fall pregnant afterwards, you are covered under the policy for serious unexpected and new pregnancy complications that occur up until and inclusive of the end of the 24th week of a single pregnancy, or the end of the 19th week for a multiple pregnancy |
| amex-platinum | Chubb | excluded | Pregnancy and Childbirth Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to |
| anz-platinum-black | Allianz | excluded | any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| bank-of-melbourne-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| banksa-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is 32 |
| bendigo-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| beyond-bank-cards | Chubb | excluded | c) Your pregnancy, if after the end of the 23rd week of Your pregnancy |
| great-southern-bank-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| hsbc-cards | Allianz | excluded | No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy |
| macquarie-black | Chubb | excluded | any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase |
| macquarie-platinum | Chubb | excluded | any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase |
| mycard-cards | Allianz | excluded | No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy |
| nab-card-insurance | Allianz | excluded | any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| pn-bank-cards | Chubb | excluded | (b) any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy |
| qantas-money-platinum | Chubb | excluded | (c) your pregnancy, if after the end of the 23rd week of your pregnancy |
| qantas-money-titanium | Chubb | excluded | (c) your pregnancy, if after the end of the 23rd week of your pregnancy |
| stgeorge-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician) |
| virgin-money-cards | Allianz | excluded | any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated |
| fast-cover | Lloyd's | excluded | or o 19th week of pregnancy with multiple children, |
| travel-insurance-direct | Allianz | excluded | childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which |
| travel-insurance-saver | Lloyd's | excluded | or the pregnancy is the result of assisted reproductive programs |
| insureandgo | Mitsui | mentioned, unclear | Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth |
| tick | Mitsui | mentioned, unclear | Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth |
Alcohol and drugs 10 excluded · 22 mentioned, unclear
Almost every policy excludes something here, and the threshold differs: some name a blood alcohol limit, others say nothing measurable at all.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| anz-platinum-black | Allianz | excluded | you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| bank-of-melbourne-cards | Allianz | excluded | your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser |
| banksa-cards | Allianz | excluded | your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser |
| bankwest-cards | Zurich | excluded | expenses arising from any disease that is transmitted when giving or taking a drug, unless the giving or taking of the drug is supervised by a medical practitioner and the disease is not excluded anywhere else in this cover |
| cba-premium-cards | Zurich | excluded | (The level of alcohol in your blood is called blood alcohol concentration (BAC) |
| pn-bank-cards | Chubb | excluded | taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and Doctors’ advice but is not for the treatment of addiction to illegal drugs |
| westpac-cards | Allianz | excluded | a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person |
| insureandgo | Mitsui | excluded | Any claim arising from you, your partner, relative or your travelling companion using drugs other than as advised by your treating medical professional |
| tick | Mitsui | excluded | a) due to driving while under the influence of drugs or alcohol |
| travel-insurance-direct | Allianz | excluded | or a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person |
| amex-platinum | Chubb | mentioned, unclear | being under the influence of alcohol whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority, or at all other times having a recorded blood alcohol concentration (BAC) greater than 0.10% |
| bendigo-cards | Allianz | mentioned, unclear | a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| beyond-bank-cards | Chubb | mentioned, unclear | being under the influence of alcohol, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing 12 |
| great-southern-bank-cards | Allianz | mentioned, unclear | a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| hsbc-cards | Allianz | mentioned, unclear | your claim arises from, or is caused, or is contributed to, by you being affected by an intoxication liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical advised, and taken in accordance with their instructions |
| macquarie-black | Chubb | mentioned, unclear | being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10% |
| macquarie-platinum | Chubb | mentioned, unclear | being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10% |
| mycard-cards | Allianz | mentioned, unclear | a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| nab-card-insurance | Allianz | mentioned, unclear | a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| qantas-money-platinum | Chubb | mentioned, unclear | being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10% |
| qantas-money-titanium | Chubb | mentioned, unclear | being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10% |
| stgeorge-cards | Allianz | mentioned, unclear | your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser |
| virgin-money-cards | Allianz | mentioned, unclear | a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
| australia-post | Zurich | mentioned, unclear | conditions involving drug or alcohol dependency |
| budget-direct | Zurich | mentioned, unclear | conditions involving drug or alcohol dependency |
| cover-more | Zurich | mentioned, unclear | conditions involving drug or alcohol dependency |
| fast-cover | Lloyd's | mentioned, unclear | If You were under the influence of drugs or alcohol |
| medibank | Zurich | mentioned, unclear | conditions involving drug or alcohol dependency |
| racv | Tokio | mentioned, unclear | You cause or contribute to any injury, loss or damage due to You being under the influence of alcohol or drugs where |
| travel-insurance-saver | Lloyd's | mentioned, unclear | Under the influence of alcohol or other drugs having a blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of non-prescription drugs unless it was prescribed by a doctor and taken in accordance with the doctors advice |
| webjet | Zurich | mentioned, unclear | conditions involving drug or alcohol dependency |
| zoom | HDI | mentioned, unclear | You were under the influence or addicted to intoxicating liquor or drugs, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions |
Mental health 2 excluded · 30 mentioned, unclear
Still excluded outright by some policies and covered by others, which is a genuine difference in what is being bought.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| insureandgo | Mitsui | excluded | psychiatric or psychological condition (including anxiety or depression) |
| tick | Mitsui | excluded | any psychiatric or psychological condition (including anxiety or depression) |
| amex-platinum | Chubb | mentioned, unclear | brain (other than a mental health–related condition) |
| anz-platinum-black | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| bank-of-melbourne-cards | Allianz | mentioned, unclear | “mental illness” any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see www.psychiatry.org/psychiatrists/ practice/dsm or consult your medical adviser) |
| banksa-cards | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| bankwest-cards | Zurich | mentioned, unclear | you have not been diagnosed with Depression in the last 3 years |
| bendigo-cards | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| beyond-bank-cards | Chubb | mentioned, unclear | brain (other than a mental health related condition) |
| cba-premium-cards | Zurich | mentioned, unclear | you have not been diagnosed with Depression in the last 3 years |
| great-southern-bank-cards | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| hsbc-cards | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| macquarie-black | Chubb | mentioned, unclear | brain (other than a mental health related condition) |
| macquarie-platinum | Chubb | mentioned, unclear | brain (other than a mental health related condition) |
| mycard-cards | Allianz | mentioned, unclear | mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| nab-card-insurance | Allianz | mentioned, unclear | mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| pn-bank-cards | Chubb | mentioned, unclear | (ii) brain (other than a mental health related condition) |
| qantas-money-platinum | Chubb | mentioned, unclear | brain (other than a mental health related condition) |
| qantas-money-titanium | Chubb | mentioned, unclear | brain (other than a mental health related condition) |
| stgeorge-cards | Allianz | mentioned, unclear | any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see psychiatry.org/psychiatrists/practice/dsm or consult your medical adviser) |
| virgin-money-cards | Allianz | mentioned, unclear | mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| westpac-cards | Allianz | mentioned, unclear | Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (as used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| australia-post | Zurich | mentioned, unclear | You have not been diagnosed with Depression in the last 3 years |
| budget-direct | Zurich | mentioned, unclear | You have not been diagnosed with Depression in the last 3 years |
| cover-more | Zurich | mentioned, unclear | You have not been diagnosed with Depression in the last 3 years |
| fast-cover | Lloyd's | mentioned, unclear | Mental illness means any illness, disorder or condition recognised or provided for in the edition of the Diagnostic and Mental Illness Statistical Manual of Mental Disorders current immediately before issue of Your Policy |
| medibank | Zurich | mentioned, unclear | You have not been diagnosed with depression in the last three years |
| racv | Tokio | mentioned, unclear | Mental Illness means any sickness, disorder or condition recognised or provided for in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders, where a clinical diagnosis has been made and treatment has been prescribed by a Treating Doctor, prior to the Trip departure |
| travel-insurance-direct | Allianz | mentioned, unclear | Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses |
| travel-insurance-saver | Lloyd's | mentioned, unclear | Anxiety, depression, mental Illness anxiety, depression, mental Illness or stress suffered by You, a Relative or another person unless referred to and diagnosed by a registered psychiatrist or psychologist as a new condition (i.e |
| webjet | Zurich | mentioned, unclear | You have not been diagnosed with Depression in the last 3 years |
| zoom | HDI | mentioned, unclear | care, support or assistance to another individual in need to support due to disability, medical condition, including terminal or chronic illness, mental illness or is frail and aged |
Electronics and the per-item limit 1 sold as a paid option · 12 excluded · 19 mentioned, unclear
The sub-limit on one laptop or phone is usually far below the luggage limit, and it is what decides whether a stolen bag is actually covered.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| amex-platinum | Chubb | sold as a paid option | Card Purchase Cover (Section M) Card Refund Cover (Section N) Buyers Advantage Cover (Section O) Smartphone Screen Cover (Section P) |
| bankwest-cards | Zurich | excluded | mobile phones) prior to the final payment being made, and |
| bendigo-cards | Allianz | excluded | No cover available except in the circumstances described under 4.1.1 c] which is limited to $2,500 per item for laptops & tablets and $1,500 per item for mobiles |
| cba-premium-cards | Zurich | excluded | mobile phones) prior to the final payment being made |
| westpac-cards | Allianz | excluded | cracking or breakage of the screen of mobile phones, smart watches, laptops or tablets |
| australia-post | Zurich | excluded | photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including but not limited to devices such as drones, computer games, portable navigation equipment or media) |
| cover-more | Zurich | excluded | any amount exceeding $500 per item and $2,000 in total for all items left Unattended in any motor vehicle (for example, a car, campervan or motorhome) or towed land vehicle |
| insureandgo | Mitsui | excluded | a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs) |
| medibank | Zurich | excluded | As We will not pay more than the relevant item limit for any one item, the maximum We will pay for the camera in this example is $4,000 |
| racv | Tokio | excluded | the lens of spectacles, laptop computers, binoculars, photographic, video equipment |
| tick | Mitsui | excluded | For example there is no cover for laptops, cameras or other valuables on the Basic policy |
| travel-insurance-direct | Allianz | excluded | we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows |
| webjet | Zurich | excluded | equipment, phones, all, photographic equipment, smart watches, tablet computers |
| anz-platinum-black | Allianz | mentioned, unclear | However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| bank-of-melbourne-cards | Allianz | mentioned, unclear | However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| banksa-cards | Allianz | mentioned, unclear | However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| beyond-bank-cards | Chubb | mentioned, unclear | If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date |
| great-southern-bank-cards | Allianz | mentioned, unclear | However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| hsbc-cards | Allianz | mentioned, unclear | However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| macquarie-black | Chubb | mentioned, unclear | If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date |
| macquarie-platinum | Chubb | mentioned, unclear | Items Electronic equipment Camera (including lenses and accessories) Sunglasses Smartphone Laptop Jewellery Sports equipment Cosmetics Clothing Other personal items |
| mycard-cards | Allianz | mentioned, unclear | However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked baggage or overhead cabin locker for the duration of your flight |
| nab-card-insurance | Allianz | mentioned, unclear | However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked baggage or overhead cabin locker for the duration of your flight |
| pn-bank-cards | Chubb | mentioned, unclear | If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date |
| qantas-money-platinum | Chubb | mentioned, unclear | If you purchased a Smartphone for $1,000, went on a Trip and the Smartphone was stolen, we will calculate the number of months between the date you purchased your Smartphone and the claimable Event date |
| qantas-money-titanium | Chubb | mentioned, unclear | Smartphone does not mean tablets or smart watches |
| stgeorge-cards | Allianz | mentioned, unclear | However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight |
| virgin-money-cards | Allianz | mentioned, unclear | However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your |
| budget-direct | Zurich | mentioned, unclear | Camera, lenses, tripods and camera accessories (attached or not) |
| fast-cover | Lloyd's | mentioned, unclear | o You must not transport Your jewellery, mobile phone, camera, video camera, Drone, tablet device, personal computer, computer equipment or their accessories in the cargo hold of any Carrier |
| travel-insurance-saver | Lloyd's | mentioned, unclear | Electronic Equipment means any personal computers (including laptops, notebooks and tablets), mobile phones, cameras, personal music players or recording devices, and other items of a similar nature as deemed by Us to be electronic |
| zoom | HDI | mentioned, unclear | The damage is for mobile phone, smartphone, laptop or tablet screens |
Terrorism and war 21 excluded · 11 mentioned, unclear
An exclusion for war is near-universal; one for terrorism is not, and some policies carve terrorism back in for medical cover only.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| amex-platinum | Chubb | excluded | a n act of Terrorism except when such Event occurs under the cover in Section C – Personal Accident Cover, Section E – Medical Emergency Expenses Cover, Section J – Hijack Cover or Section K – Kidnap Cover of this Policy |
| anz-platinum-black | Allianz | excluded | or e] the events that caused your evacuation were due to an act or threat of terrorism |
| bank-of-melbourne-cards | Allianz | excluded | We will not pay if a delay to your journey arises from an act of terrorism |
| banksa-cards | Allianz | excluded | We will not pay if a delay to your journey arises from an act of terrorism |
| bankwest-cards | Zurich | excluded | cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, mechanical breakdown, natural disaster or a collision affecting your mode of transport |
| bendigo-cards | Allianz | excluded | e] the events that caused your evacuation were due to an act or threat of terrorism |
| cba-premium-cards | Zurich | excluded | cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or a collision affecting your mode of transport 8 |
| great-southern-bank-cards | Allianz | excluded | e] the events that caused your evacuation were due to an act or threat of terrorism |
| hsbc-cards | Allianz | excluded | We will not pay if a delay to your journey arises from an act of terrorism |
| macquarie-black | Chubb | excluded | declared or undeclared War or any act thereof |
| macquarie-platinum | Chubb | excluded | declared or undeclared War or any act thereof |
| mycard-cards | Allianz | excluded | e) the events that caused your evacuation were due to an act or threat of terrorism |
| nab-card-insurance | Allianz | excluded | e) the events that caused your evacuation were due to an act or threat of terrorism |
| pn-bank-cards | Chubb | excluded | declared or undeclared War or any act thereof |
| stgeorge-cards | Allianz | excluded | 2.1.2 What we exclude We will not pay if a delay to your journey arises from an act of terrorism |
| virgin-money-cards | Allianz | excluded | e] the events that caused your evacuation were due to an act or threat of terrorism |
| westpac-cards | Allianz | excluded | f) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport |
| racv | Tokio | excluded | 13.3 Any Act of terrorism except for a terrorist event that is a Cyber Incident |
| tick | Mitsui | excluded | War War, whether declared or not, or any warlike activities, including use of military force by any ü What you are covered for û What you are not covered for ! |
| travel-insurance-direct | Allianz | excluded | for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport |
| zoom | HDI | excluded | d) For cancellations, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster |
| beyond-bank-cards | Chubb | mentioned, unclear | War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not |
| qantas-money-platinum | Chubb | mentioned, unclear | War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not |
| qantas-money-titanium | Chubb | mentioned, unclear | War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not |
| australia-post | Zurich | mentioned, unclear | claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power |
| budget-direct | Zurich | mentioned, unclear | claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power |
| cover-more | Zurich | mentioned, unclear | claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power |
| fast-cover | Lloyd's | mentioned, unclear | Your claim Arises from any act of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power |
| insureandgo | Mitsui | mentioned, unclear | Civil unrest Activities inclusive of organised protests, riots, arson, looting, occupation of institutional buildings, border infringements and armed insurrection (excluding where civil war has been declared) |
| medibank | Zurich | mentioned, unclear | claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power |
| travel-insurance-saver | Lloyd's | mentioned, unclear | Civil commotions or riots You taking part in civil commotions or riots of any kind |
| webjet | Zurich | mentioned, unclear | claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power |
Government travel warnings 18 excluded · 14 mentioned, unclear
Whether cover survives a Smartraveller 'do not travel' rating, and from what date, differs policy by policy.
| Policy | Insurer | What it does | The sentence that says so |
|---|---|---|---|
| amex-platinum | Chubb | excluded | or (b) an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories) |
| bankwest-cards | Zurich | excluded | an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body |
| beyond-bank-cards | Chubb | excluded | an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories) |
| cba-premium-cards | Zurich | excluded | an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body b |
| macquarie-black | Chubb | excluded | an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories) |
| macquarie-platinum | Chubb | excluded | an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories) |
| nab-card-insurance | Allianz | excluded | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller |
| pn-bank-cards | Chubb | excluded | or (ii) an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories) |
| qantas-money-platinum | Chubb | excluded | the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to |
| qantas-money-titanium | Chubb | excluded | the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to |
| virgin-money-cards | Allianz | excluded | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au |
| cover-more | Zurich | excluded | or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country |
| insureandgo | Mitsui | excluded | For example there is no cover for any government travel bans, “Do not travel” warnings |
| medibank | Zurich | excluded | or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country |
| racv | Tokio | excluded | if the DO NOT TRAVEL advisory is lifted before Your Trip departure date, this exclusion no longer applies but You will not be able to lodge a claim for an Insured Event that occurred during a period in which the DO NOT TRAVEL advisory was in effect |
| tick | Mitsui | excluded | For example there is no cover for any government travel bans, “Do not travel” warnings |
| webjet | Zurich | excluded | or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country |
| zoom | HDI | excluded | an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body |
| anz-platinum-black | Allianz | mentioned, unclear | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au |
| bank-of-melbourne-cards | Allianz | mentioned, unclear | by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au |
| banksa-cards | Allianz | mentioned, unclear | by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au |
| bendigo-cards | Allianz | mentioned, unclear | your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller |
| great-southern-bank-cards | Allianz | mentioned, unclear | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au |
| hsbc-cards | Allianz | mentioned, unclear | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au |
| mycard-cards | Allianz | mentioned, unclear | by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au |
| stgeorge-cards | Allianz | mentioned, unclear | by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au |
| westpac-cards | Allianz | mentioned, unclear | by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au |
| australia-post | Zurich | mentioned, unclear | or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country |
| budget-direct | Zurich | mentioned, unclear | a) of a “Do not travel” advice issued by the Australian Government on the smartraveller.gov.au website |
| fast-cover | Lloyd's | mentioned, unclear | where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade after Policy purchase |
| travel-insurance-direct | Allianz | mentioned, unclear | by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au |
| travel-insurance-saver | Lloyd's | mentioned, unclear | Smartraveller website loss, damage or expense incurred as a result of travelling to an area that the Australian Government has advised “do not travel” on the Smartraveller website (www.smartraveller.gov.au) provided that such loss, damage or expense is directly or indirectly related to any such circumstances that are the reason for the advice |
Clauses distinctive to one insurer
| Insurer | Policies | Clauses in all of them | Of those, exclusions no one else has | …and on a subject no one else excludes | |
|---|---|---|---|---|---|
| Allianz Australia Insurance Limited | 12 | 21 | 0 | 0 | |
| Chubb Insurance Australia Limited | 7 | 131 | 6 | 1 | |
| Zurich Australian Insurance Limited | 7 | 88 | 5 | 1 | |
| Lloyd's | 2 | 3 | 0 | 0 | |
| Mitsui Sumitomo Insurance Company Limited | 2 | 352 | 25 | 0 | its policies share a distributor, so they may be one wording used twice |
| HDI Global Speciality SE | 1 | 994 | 25 | 1 | one policy only, so nothing here is a habit |
| Tokio Marine & Nichido Fire Insurance Co., Ltd | 1 | 854 | 25 | 0 | one policy only, so nothing here is a habit |
How this was built
- The set. Current policy documents only. A Target Market Determination is not a policy, and a superseded or forthcoming booklet is not the one in force, so none of them is compared.
- Normalisation. Amounts, numbers, insurer and brand names and the first and second person are replaced before two clauses are compared, so that the same clause carrying a different limit still matches. This is what makes the comparison possible and is also why a matched clause is not necessarily identical on the page.
- Quotes. Where a clause appears in several policies, the quote is taken from one of them, named in read_from. The others carry the same clause with their own amounts.
Data
comparison.json: this page as data, including every clause distinctive to an insurer and the per-policy rows for each topic.corpus-manifest.json: every document read, with its sha256, so anything quoted here can be checked against its source.- Every plan and what it covers · the cover that comes with a credit card
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.