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Travel Insurance

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Features | Benefits | Traveller types | Personalise your cover | Common questions

We’re there when you need us

Whether you are travelling overseas, within Australia, or even a frequent traveller, CGU Travel Insurance offers comprehensive cover solutions to help suit your needs.

  • If you get sick or injured 
    We'll provide cover for the ambulance, hospital and surgery while travelling overseas
  • If your stuff is lost or stolen
    We'll cover the costs for luggage, cameras, clothes and more
  • If there’s an emergency 
    We're here on the phone 24/7 and ready to help.

Online Quote Make a claim

Product Disclosure Statement 

Great benefits

Read the Product Disclosure Statement for the full list of product features.

  • Overseas medical
    If you need unexpected medical or emergency dental treatment while overseas, we’ll cover you.
  • Cancellations
    If you need to cancel your trip due to unforeseen circumstances, we’ll refund your prepaid flights and accommodation.
  •  Rental vehicle cover 
    If you have an accident in your rental car, we’ll cover the vehicle’s insurance excess (only available on some plans).
  • Travel disruptions 
    If you lose your passport, have an accident or the weather goes bananas, we’ll cover accommodation and travel expenses.

Cover for every type of traveller

Whether it’s your first trip ever or just your first trip this year, we’ve got you sorted.

  • Backpackers and first-timers 
    Your big global adventure awaits and no one knows what’s ahead. So get covered, just in case.
  • Families 
    Enjoy your family holiday with peace of mind knowing that you and your loved ones are all insured.
  • Experienced Travellers 
    If you’re a seasoned traveller, you’ll know that things can and do go wrong. 

Your travel cover, your way: make it your own

International travel

There are four levels of cover to suit your needs and budget:

  • Platinum 
    Top-level cover with unlimited unexpected overseas hospital and medical costs, unlimited emergency expenses in certain circumstances and many other great benefits
  • Premium 
    Mid-level cover, including unlimited unexpected overseas hospital and medical costs and many other benefits
  • Essentials 
    Affordable basic cover that includes unlimited unexpected overseas hospital and medical costs
  • Annual Multi-Trip 
    Platinum level cover for multiple international trips within 12 months

Australian holidays

When you’re travelling around Australia, you’ll enjoy your trip more knowing you have cover for:

  • cancelled or rescheduled plans if due to unforeseen circumstances
  • damaged or lost luggage and travel documents
  •  certain emergency expenses
  • accidental death and disability in certain cirucmstances

Ski/snowboard holidays

Hitting the slopes? Get peace of mind with optional extra cover for snow holidays including:

  • costs for hiring your skis or board if yours is damaged in transit
  • medical and emergency cover if you have a skiing accident
  • emergency dental cover
  •  replacement of your snow equipment if yours is lost, damaged or stolen

Cruise holidays

If you’re heading on a cruise, we have optional cruise cover available for your grand voyage. You’ll get:

  • cover for every country you visit - when you list each on your policy
  • medical and emergency dental cover if you have an accident
  • costs for returning home if it’s deemed medically necessary
  • cover for cancelled or rescheduled extra activities and day trips
  • replacement of certain items that are lost, stolen or damaged

Optional extra cover for valuables

If you’re taking important possessions with you, we’ll cover the replacement of items such as:

  •  cameras
  • jewellery
  •  bicycles
  •  ski and snowboarding gear
  • golf clubs

Conditions apply to all cover types. Please see the Product Disclosure Statement for full terms and conditions.

Common questions

Read our FAQs.

  • Are my flights covered with travel insurance?
    If you need to cancel your flights due to unforeseen circumstances, we’ll reimburse you the purchase cost. If you used frequent flyer points, we’ll pay you the value of those points. If your flights are delayed or interrupted for over 6 hours outside of your control, we’ll cover additional accommodation, meals and expenses incurred while you wait.
  • Are existing medical conditions covered?
    We cover 44 pre-existing medical conditions, as listed in the Product Disclosure Statement, at no additional cost. To find out if your condition is covered, we’ll ask you questions when you get a quote. If your condition is not on the list, you may need to complete a medical assessment.  
  • Can I get cover for my expensive stuff?
    The maximum amount we will pay for luggage depends on the level of cover purchased. You can choose to increase this level by specifying individual items on your policy (at an additional premium cost).
  • Do you cover pregnancy?
    Yes, provided you are less than 24 weeks pregnant, it is a single pregnancy and there are no unexpected complications and your pregnancy was not medically assisted.
    If your pregnancy was medically assisted or there are complications, you will need to complete a medical assessment to determine if cover is available.
    If you are more than 24 weeks pregnant, you won’t be covered for any medical treatments required due to your pregnancy. Please check with your doctor before arranging travel plans.
  • Can I get travel cover if I’m on a temporary visa?
    If you are a temporary resident of Australia with an Australian Visa, you can still get travel insurance. (We do not cover temporary residents on tourist or working holiday visas.) Please see the Product Disclosure Statement for eligibility and further information.
  Our relationship with CGU:

Travel Insurance Cover is one of many comprehensive insurance solutions at Gateway Bank

Founded more than 160 years ago, CGU is one of Australia’s leading insurers. It’s because of CGU's experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider.

  Need to make a claim?

Call CGU on 1300 886 022

CGU are available to take your call 24 hours, 7 days a week to ensure you have the best support when the unexpected has happened. 

  Additional Product Information:

Important information:

1. This Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.

2. In arranging this insurance, Gateway Bank acts under its own AFSL and under an agreement with CGU Insurance.

3. This information is only a general description of cover and any financial product advice provided is of a general nature only and does not take into account your personal circumstances. Before making a decision about this product, please refer to the Product Disclosure Statement and our Financial Services Guide