Overseas medical
Travel disruptions

Together with our insurance partner, CGU Insurance, we’re there when you need us...

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

Cover for every type of traveller

Whether it’s your first trip ever or just your first trip this year, they’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.


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. You know what to do.

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 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 circumstances

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 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, CGU will cover the replacement of items such as:

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

Conditions apply to all cover types. Please see the PDS for full terms and conditions.


  • Overseas medical: If you need unexpected medical or emergency dental treatment while overseas, they’ll cover you.
  • Cancellations: If you need to cancel your trip due to unforeseen circumstances, they’ll refund your prepaid flights and accommodation.
  • Rental vehicle cover: If you have an accident in your rental car, they’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, they’ll cover accommodation and travel expenses.

Common questions

Got questions about travel insurance?

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Are my flights covered with travel insurance?

If you need to cancel your flights due to unforeseen circumstances, CGU will reimburse you the purchase cost. If you used frequent flyer points, they’ll pay you the value of those points. If your flights are delayed or interrupted for over six hours outside of your control, they’ll cover additional accommodation, meals and expenses incurred while you wait.

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Are existing medical conditions covered?

CGU cover 44 pre-existing medical conditions, as listed in the Product Disclosure Statement (PDS), 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.

Call us for assistance on 1800 075 078

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Can I get cover for my expensive stuff?

The maximum amount CGU 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).

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Is Pregnancy covered?

Yes, provided you are less than 24 weeks pregnant, it is a single pregnancy, 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.

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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. (CGU do not cover temporary residents on tourist or working holiday visas.)

Please see the Product Disclosure Statement (PDS) for eligibility and further information.

Making a claim

CGU are ready if you need to claim. Call them on 13 24 80 (international +61 3 9601 8222) and their claims consultants will help you all along the way.

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The fine print

Queensland Country Bank Limited ABN 77 087 651 027 AFS Licence No. 244533 acts under its own Australian Financial Services Licence and under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 AFS Licence no. 227681 trading as CGU Insurance. CGU Home and Contents Insurance, Landlords Residential Property Insurance, Car Insurance and Travel Insurance are issued by CGU. You can get a Product Disclosure Statement (PDS) for any of these products from any office of Queensland Country Bank. You should consider the PDS in deciding whether to buy or hold the relevant products.

The insurance section of this website contains general advice only and does not take into account your individual objectives, financial situation or needs ('your personal circumstances'). Before using this advice to decide whether to purchase these insurance policies, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Disclosure Statement and Target Market Determinations for the relevant insurance policy.