CHOICE Expert Rating
74%
Recommended
What is the CHOICE Expert RatingCHOICE Expert rating
This is the product's overall performance score, based on key tests conducted by our industry experts in the CHOICE labs.
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CHOICE Expert Rating
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Our Overall score is made up of Policy score (80%) and Claims score (20%).
- 74%
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Policy score
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How well this policy covers features such as medical, cancellation, baggage, public liability, pre-existing conditions, cover for dependants, rental car, and activities covered.
- 79%
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Claims score
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The higher the rating the better they perform. Based on the number of consumers that lodged a dispute about an insurer with the Financial Ombudsman Service, how far they progressed through that process and what the chance was of achieving an agreeable outcome.
- 66%
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Price score
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The higher the score, the cheaper the policy is relative to the competitors for a range of travel scenarios across 3,500 quotes
- 55%
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Recommended
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We pick policies that score well for policy features and claims performance.
- Yes
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Provider
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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) listed in the Financical Ombudsman Service (FOS) complaints table. You can look up your insurer's provider in the FOS comparative tables to see how likely consumers were to bring a travel insurance dispute to FOS about them.
- AIG
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Policy age limit
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In years (up to and including given number).
- 69
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Medical expenses
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The limit per person for medical and emergency evacuation and repatriation expenses for illness or injury. Cover is assessed on individual circumstance.
- $Unlimited
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Dental expenses for accident or injury
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Limit for dental per person as a result of an accident
NA means 'not covered'.
Cover is assessed on individual circumstances.
- $2000
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Dental expenses acute pain
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Dental per person as a result of sudden and acute pain.
NA means 'Not covered'.
Cover is assessed on individual circumstances.
- $500
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Cancellation expenses
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Limit per person for cancellation or amendment expenses.
NA means 'Not covered'.
Cover is assessed on individual circumstances.
- $Unlimited
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Additional expenses for interrupted travel
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The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness').
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $Unlimited
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Additional expenses for special event
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Cover limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.
Cover is assessed on individual circumstances.
- $2000
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Additional expenses for pre-paid travel arrangements
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Cover limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed.
Cover is assessed on individual circumstances.
- Yes
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Travel delay expenses
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Limit per person for additional meal and accommodation expenses if scheduled transport is delayed.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $1000
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Hours before travel delay covered
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The minimum number of hours before transport delay is covered.
- 10
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Limit per 24 hour period for travel delay
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Limit per person per 24 hour period for this transport delay
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $300
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Baggage expenses
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The overall limit per person for stolen or damaged personal belongings.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $15000
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Single unspecified item
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Limit for a single unspecified item.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $600
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Video or photo camera
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Limit per item for a video or photo camera.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $3000
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Laptop or tablet
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Limit for a laptop or tablet.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $3000
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Smartphone
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Limit for a smartphone.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $600
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Prescribed medications
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Limit for a prescribed medications.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $NA
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Limit for baggage lost temporarily
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Overall limit for a single person for baggage lost temporarily.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $300
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Family limit for baggage lost temporarily
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Overall limit for a family for baggage lost temporarily.
NA means 'Not covered'. Cover is assessed on individual circumstances.
- $600
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Hours before cover applies for baggage lost temporarily
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The minimum period of time in hours before which cover applies for temporarily lost baggage.
- 10
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Rental car excess
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Cover collision damage excess for a hire car.
- Yes
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Limit for rental car excess
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Limit for collision damage excess for a hire car.
- $4000