Wherever you are, CGU will help you see it through.
Travel Insurance
Pack the travel insurance that really has your back
The big holiday you’ve been saving for is finally locked in. Before you do another thing, get your travel insurance sorted – you never know when severe weather will delay your flight or a volcano will erupt. With CGU, we have a range of travel insurance options available that offer you flexible, value-for-money travel insurance that can have you covered for almost any travel-related mishap, depending on the level of cover you choose.
Pre-existing medical conditions
Some medical conditions are automatically covered; for others, you may still be able to get cover (an additional premium may apply).
Travelling in Australia
Too easy. Our one-size-fits-all policy is just what you need – simply tell us if you’re travelling solo or with a companion
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Compare Travel
Insurance Cover
When choosing your CGU travel insurance, a lot comes down to where you’re travelling to and who you’re travelling with. Only going as far as New Zealand? Our Economy cover will do you just fine. Hopping from New Zealand to Canada? You’ll need our Super Plus plan.
Terms and conditions apply to all cover types so please review the PDS for full terms and conditions.
Need help choosing the right insurance?
We’re here to help you work out which travel insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.
Travel Product Disclosure Statement
Within this PDS, you’ll learn everything you need to know about what’s covered under your insurance policy.
Travel Guides
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Destination guides
Ideas of places to visit, tips and travel advice and potential risks to look out for.
Read the destination guides
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Activity guides
Get ideas on where to go, some quick tips, and what we’ll cover you for if something goes wrong.
Read the activity guides
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Traveller guides
Check out the benefits of travel insurance and learn what you’ll be covered for if the unexpected happens.
Read the traveller guides
We help you see it through
Travel Insurance FAQs
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Is travel insurance necessary?
Absolutely!
You never know what could happen overseas – whether it’s an accident while you’re adventuring in rugged and remote locations or a major weather event that throws all travel plans into chaos. Then there are all the little things, like a sprained ankle, lost luggage, or pick-pocketing.
The fact is that there are more than 20,000 incidents a year involving Australians overseas¹. When you consider those numbers it makes sense to travel with the peace of mind that CGU Travel insurance provides.
¹ Information obtained from smartraveller.gov.au
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How much is travel insurance?
There are a few factors that affect how much your travel insurance policy costs, so we can’t answer this question directly! Your best bet is to answer a few easy questions on our travel insurance quote tool, or to speak to a CGU insurance adviser who can assess your risk and work out the cost of cover that meets your needs.
We can tell you that travel insurance premiums are affected by:
- Whether you’re travelling solo, with a companion, or with your family
- Whether you have a pre-existing medical condition
- The places you’re travelling to
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What does my travel insurance cover?
Some of the key things CGU Travel insurance covers:
- Overseas medical, dental and additional medical expenses
- Luggage and travel documents
- Emergency purchases for lost or delayed luggage
- Cancellations, delays and rescheduled travel cover
- Returning you to Australia if medically required
- Video cameras, cameras and portable electronic equipment
- Return of hire car and excess waiver
- Loss of income if you are unable to return to work once you get back to Australia
Some things that are outside of your cover:
- Any incident that does not occur during the period of insurance
- Any act of violence or intentional damage by you
- Hunting, polo or yachting in international waters
- Off-piste skiing, snowboarding or heli-skiing
- Theft or loss of cash or banknotes
- The effects of alcohol or drugs
- Not following travel warnings by governments or the media
- Any medical condition that results in you deciding not to travel
- Any illegal or unlawful act
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What do I do if I am pregnant?
Congratulations! Seriously though, you’ll need to know a few things about your cover.
Until the end of your 24th week of pregnancy, you’re covered as normal (provided there are no complications and the conception wasn’t medically assisted). After that, you won’t be covered for any medical expenses, loss or damages caused as a result of your pregnancy or childbirth (so, for example, your waters break in Honolulu and you miss your plane).
Please refer to the Product Disclosure Statement (PDS) for full details.
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Are my flights covered with travel insurance?
Yes, they are!
If your flights are cancelled or rescheduled (other than those caused by the carrier), we’ll cover you for any amount you’ve paid in advance for travel arrangements that are unused.
If your flights are delayed or interrupted (other than those caused by the carrier), we’ll cover you for any reasonable expenses you incur for travel delays or interruptions caused by unexpected events that occur during your journey.
If you’ve used frequent flyer points and can’t recover the points, we will pay the value of your lost points, too.
Please refer to the Product Disclosure Statement (PDS) for full details.
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What if I'm a single parent travelling with kids?
You can choose a single cover policy. Any dependent children travelling with you will be covered under this policy.
Are you travelling in a family group, which includes children under the age of 21?
All dependent children under the age of 21 will be covered under your policy. You will need to supply us with names and the date of birth of each child travelling with you.
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What does 'dependent children' mean?
A dependent child is your child or grandchild who is aged under 21, financially dependent on you and not employed full-time.
Understanding your Travel Insurance quote
Wherever you are, we're here when you need us
For emergency travel insurance assistance:
While overseas: +61 2 8895 0698
Within Australia: (02) 8895 0698
Email: TravelAssist@cgu.com.au
We provide a 24-hour emergency assistance hotline for you to call if you have difficulties while travelling.
Call from anywhere in the world to speak with a highly trained, multilingual consultant (we accept reverse charges for overseas calls).
For all non-emergency claims, please contact CGU upon your return to Australia.
Need to make a travel insurance claim?
Step 1. If you are within Australia call 13 24 80 with your policy number and any other information about the incident handy.
If you are overseas and need urgent assistance, call our hotline on +61 2 8895 0698.
If you are overseas and do not require emergency assistance then contact our claims team in Australia on +61 2 9251 4298.
Step 2. We’ll kick off the claims process, and keep you informed every step of the way.
Visit the Claims hub