Travel Insurance
Planning your next trip overseas or in Australia? While you hope the unexpected does not happen, it is best to be prepared. We've partnered with emergency medical assistance provider, Allianz Global Assistance, to ensure you have the support and care you need. Learn more about Allianz Global Assistance Travel Insurance through Heritage Bank.
Always consult the Smartraveller website prior to any travel.
There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller; or which was published in a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.
In addition to visas, countries may require proof of COVID 19 test results; vaccination requirements; and compulsory travel insurance, with proof of adequate medical benefit cover. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding your international travel insurance policy due to international entry requirements, please contact us on 1800 011 060.
Before buying our travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).
If during the period of your cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID 19), cover may be available under some sections of your policy. Consult your Product Disclosure Statement for details. Make sure you stay up to date and comply with travel information for COVID 19 from the Department of Foreign Affairs and Trade (DFAT) Smartraveller website, World Health Organisation (WHO), and Department of Home Affairs.
Domestic
Essentials
This Essentials Plan offers budget friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, and unexpected trip cancellation*.
Comprehensive
Multi-Trip
*Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for more details. The TMD is available here.
Cover types
Depending on the plan you choose, Allianz Global Assistance Travel Insurance will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only. Terms, conditions, exclusions, limits and applicable sub-limits apply. Read the Product Disclosure Statement to learn more about the Cover Types.
Single
Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full time and will be with you for 100% of your journey.
Duo
Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.
Family
Covers you, your spouse or partner, and your dependents named on the Certificate of Insurance who are aged under 25 years, not employed full time and will be with you for 100% of your journey.
Snow Pack
Going to the snow? You may be eligible to add a Snow Pack that is designed to cover snow sport activities including amateur skiing, snowboarding, sledding, tobogganing, or tubing. A Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more*.
Cruise Pack
Going sea or ocean cruising? Add a Cruise Pack, which is designed to cover medical costs on board, ship to shore evacuation, pre paid shore excursion cancellation , cabin confinement and more*.
Adventure Pack
Doing adventure activities? You may be eligible to add an Adventure Pack to your plan that is designed to cover a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling, and much more*.
Increased Item Limits Cover
Taking higher value items? To increase the item limit for higher value items, add Increased Item Limits Cover to your plan, so your item may be covered for a higher value, should it be stolen, lost or damaged*.
