There are many reasons to buy Travel Insurance, but perhaps one of the key reasons is to ensure that you have cover for unexpected overseas medical expenses.
In the event that you suffer from injury or sudden illness when travelling overseas, our plans can keep you covered when you encounter medical emergencies and the expenses that go alongside them.
COTA travel insurance automatically covers over 40 existing medical conditions, such as asthma, allergies and high cholesterol, as part of our standard cover on all our policies. Travellers who satisfy the criteria related to their existing medical conditions are covered under events that arise, outside of Australia, from those conditions. To discover which conditions can be automatically covered, check out our existing medical conditions page.
If you have one or more conditions that do not fall within our automatically accepted criteria, you can apply to have it covered as a specified medical condition. Let us know at the time you buy your policy and we might be able to offer you cover for an additional premium. Once a condition is added to your policy as a specified medical condition, you have cover under events that arise from it.
We have also designed our seniors travel insurance to give you as many benefits in your overseas medical cover as possible.
We understand that risks to your health can be some of the most stressful and expensive concerns you can get overseas, therefore we have a variety of benefits that supplement our medical cover:
If a primary traveller dies within 12 months as a result of an accidental injury sustained on their trip, we will pay the lump sum benefit amount to their estate.
Accidental Death cover is available on all of our travel plans.
For our Basic and Domestic plans, the estate will receive a $10,000 lump sum payment.
For our Comprehensive and Frequent Traveller plans, the estate will receive a $25,000 lump sum payment.
If you sustain an injury overseas and within 12 months of the injury occurring it results in permanent and total loss of sight in one or both eyes or permanent and total loss of use of one or more limbs, you may receive a benefit.
You will receive a lump sum of $12,500 as long as your medical condition resulted from an accidental injury on your trip.
Total Permanent Disability cover is available on our comprehensive overseas plan and frequent traveller plan only.
If an injury you sustained overseas directly prevents you from going back to your full time job within 30 days after you had planned to return to Australia, we’ll pay you a weekly benefit until you return to work.
The benefit begins after the first 30 days have elapsed; you can receive $400 per week with a maximum benefit limit of $10,400 for each primary traveller.
Loss of Income cover is available on our comprehensive overseas plan and frequent traveller plan only.
If you are in hospital overseas for more than 48 hours, we’ll pay a daily benefit for each full or partial day after that.
You will receive $50 per day to cover incidental costs such as magazine and internet connection.
Maximum of $6,000 per primary traveller.
In-Hospital Allowances are available on our comprehensive overseas plan and frequent traveller plan only.
If we agree it is medically necessary for you to stay in your hotel room or cruise cabin overseas for more than 48 hours, we will pay you a daily benefit for each full or partial day towards any room service meals after the first 48 hours.
You will receive $50 per day with a maximum benefit limit of $6,000 for each primary traveller.
The Room Service Supplement is available on our comprehensive overseas plan and frequent traveller plan only.
Our Comprehensive and Domestic plans are available to Australian citizens or permanent residents, regardless of your age. We have designed our travel insurance with the over 50s in mind, but anyone can take advantage of the cover and benefits we can provide. If you are 81 or over, we will ask you some daily living questions at the time you buy your policy to determine whether we will offer you cover and on what terms However, for our Basic and Annual Frequent Traveller plans, you must be under 76 at the time you buy your policy.
If your kids or grandkids are travelling with you for the majority of their trip, they can usually be covered for no extra charge. As long as they are under 25, do not have a full time job and are listed on your COI as an Insured Dependant, they will have cover under your policy.
This is a brief summary of cover only and does not include full terms, conditions, limitations and exclusions. For full details and before you buy please read the PDS.