International Travel Insurance changes

A summary of changes to travel insurance.

What's on this page

Changes to Part C – Benefit Limits

Effective from 11 December 2024

Previous benefit
Previous benefit limit
New benefit
New benefit limit
1.1 Overseas Emergency Assistance
Unlimited~
1.1 Overseas Emergency Assistance  (including Medical Evacuation and Repatriation)
$20,000,000
1.2 Overseas Emergency Medical
Unlimited~
1.2 Overseas Emergency Medical
$20,000,000
N/A
N/A
1.4 Hospital Cash Allowance
$75 per person per day up to a maximum total limit of $7,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse
N/A
N/A
1.5 Accidental Death
$25,000 per person up to a maximum total limit of $50,000
N/A
N/A
3.2 Travel Delay Expenses
Up to $275 per person after six consecutive hours, up to a maximum total limit of $700
N/A
N/A
3.3 Alternative Transport Expenses
Up to a maximum total limit of $2,500
3.2 Return Home following the Death of  a Relative 
Up to a maximum total limit of  $2,000
3.4 Return Home due to a Relatives Death or Hospital Admission
Up to $2,000 per cardholder or spouse, up to a maximum total limit of $4,000
4.1.1c] Valuables left in a vehicle or checked in luggage
No cover available, except as in the circumstances described under 4.1.1c] which is limited to $200 per item up to a maximum total limit of $2,000
4.1.1c] Valuables left in a vehicle or checked in luggage
No cover available
N/A
N/A
4.2 Travel Documents, Transaction Cards & Travellers Cheques
Up to $500 per person up to a maximum total limit of $1,000
N/A
N/A
4.3 Luggage Delay
Up to $500 per person up to a maximum total limit of $1,000 
5.1.1b] Return of rental vehicle due to incapacity
Up to a maximum of $500
Rental Vehicle Excess
Up to the amount specified in your rental vehicle agreement or $3,000, whichever is the lesser

Part D – Excesses and General Exclusions 

  • Excesses – no changes 
  • Exclusions – update to exclusion 4 relating to use of intoxicating substances
  • Exclusions – update to exclusion 20 (now exclusion 22) relating to economic sanctions
  • Exclusions – removed exclusion 21

Improvements to readability

Various changes have been made to:

  • make the booklet easier to read
  • clarify the steps you should take if you think you need to make a claim
  • highlight the importance of taking reasonable care and precautions (e.g. by safeguarding your covered items or valuables)

What you need to do

The above is a summary only. It is important that you read the enclosed Complimentary Travel Insurance Policy Information Booklet carefully (particularly if you are travelling soon) as it contains all the changes including eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits that apply. Ensure you can access a copy while you are travelling.

The changes will automatically apply from 11 December 2024.

If you have any questions about this document or how the changes apply to you, please contact Allianz Global Assistance on 1800 754 190 (within Australia) or by email to cardclaims@allianz-assistance.com.au.

Disclaimer

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to Bank Australia Limited ABN 21 087 651 607, AFSL and Australian Credit Licence 238431, (Bank Australia), which allows eligible Bank Australia account holders and cardholders to claim under the group policy as third party beneficiary by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Allianz Complimentary Insurance Policy information booklet which may be amended from time to time. Neither Bank Australia nor any of its related corporations guarantee this insurance.