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Travel Insurance Direct The Works review

One trip policy.

Policy type
One trip
Insurance provider View more details.

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

NIB
Policy age limit View more details.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

74
Dependant age limit View more details.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

20
Pre-existing conditions covered without application View more details.

Does the policy list pre-existing medical conditions that are automatically covered.

Yes
Pre-existing conditions covered on application View more details.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

No
Time period for existing conditions View more details.

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

6 months
Pregnancy View more details.

Are claims covered that arise from pregnancy or pregnancy complications?

Yes
Pregnancy stage covered View more details.

Until which stage pregnancy is covered for single births (up to and including).

26 weeks
Childbirth costs View more details.

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

No
Medical expenses View more details.

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Unlimited
Expenses for a person to accompany a sick policyholder View more details.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

$Unlimited
Daily hospital cash allowance View more details.

Daily hospital cash allowance per person.

$50
Hours of hospitalisation before you receive the daily hospital cash allowance View more details.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

48
Dental expenses for accident or injury View more details.

Limit for dental as a result of an accident.

$Unlimited
Dental expenses for acute pain View more details.

Limit for dental as a result of sudden and acute pain.

$1000
Overseas funeral costs View more details.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

$25000
Additional travel expenses for injury or sickness View more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

$Unlimited
Additional expenses for interrupted travel View more details.

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'). Cover is assessed on individual circumstances.

$Unlimited
Additional expenses for a lost passport View more details.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Yes
Additional expenses for a sick relative View more details.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Yes
Additional expenses for resumption of journey interrupted for a relative View more details.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

$3000
Cancellation covered View more details.

Whether the policy covers you for cancellation or amendment expenses.

Yes
Cancellation expenses View more details.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

$Cover chosen
Cancellation for frequent flyer points View more details.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Yes
Cancellation expenses for travel agent fees View more details.

Limit for travel agent cancellation fees.

$2000
Cancellation for insolvency of a travel services provider View more details.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

No
Cancellation for insolvency of a travel agent View more details.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

No
Cancellation expenses for redundancy View more details.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for defence and emergency workers View more details.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for cancellation of work leave View more details.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Yes
Baggage cover View more details.

Are stolen or damaged personal belongings covered

Yes
Limit for baggage expenses View more details.

The overall limit for stolen or damaged personal belongings.

$12000
Limit for a single unspecified item View more details.

Limit for a single unspecified item.

$700
Limit for a video or photo camera View more details.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

$4000
Limit for a laptop or tablet View more details.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

$4000
Limit for a smartphone View more details.

Limit for a smartphone. Cover is assessed on individual circumstances.

$700
Limit for prescribed medications View more details.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

$700
Overall limit for specified items View more details.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

$10000
Cover for baggage in a car during the day View more details.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

$12000
Cover for baggage in a car overnight View more details.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

$0
Cover for valuables in a car View more details.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

$0
Cover for lost or stolen cash View more details.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

$250
Limit for baggage lost temporarily View more details.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

$500
Hours before cover applies for baggage lost temporarily View more details.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

10
Additional expenses for a special event View more details.

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.

$2000
Additional expenses for pre-paid travel arrangements View more details.

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.

$0
Travel insurance extension for a delayed trip View more details.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Yes
Limit for travel delay expenses View more details.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

$2000
Hours before travel delay covered View more details.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

6
Limit per 24 hours for travel delay View more details.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

$250
Rental car excess View more details.

Is the collision damage excess for a hire car covered?

Yes
Limit for rental car excess View more details.

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

$6000
Transport incidents View more details.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

• Excludes cancellation and additional expenses for mechanical breakdowns
• Includes cancellation and additional expenses for transport accident
Strikes View more details.

Does the policy cover cancellation and additional expenses for claims due to strikes?

Yes
Mental health View more details.

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19 View more details.

Does the policy cover claims due to COVID-19?

• Includes medical and additional expenses for COVID-19
• Cancellation expenses up to $2500 if the policy holder or a close relative contracts COVID-19
Pandemic View more details.

Does the policy cover claims due to pandemics other than COVID-19?

• Includes medical expenses for pandemics other than COVID-19
• Excludes cancellation and additional expenses for pandemics other than COVID-19
Natural disaster View more details.

Does the policy cover claims due to natural disaster?

Yes
Civil unrest View more details.

Does the policy cover claims due to civil unrest?

Yes
Terrorism View more details.

Does the policy cover claims due to terrorism?

• Excludes cancellation expenses for terrorism
• Includes medical and additional expenses
War View more details.

Does the policy cover claims due to war?

No
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