Your travel insurance options

Every trip is different, so at Columbus we don't offer one-size-fits-all travel insurance. You can choose between two levels of cover plus a range of optional extras to suit your travel style and budget. Plus all our policies are available as Annual Multi Trip cover, which can work out cheaper if you travel a lot.

On this page you can:

  • Check cover limits
  • Compare Single Trip and Annual policies
  • Learn about our pregnancy cover
  • Find out about Adventure Pack and Winter Sports options
  • See how we handle pre-existing medical conditions

Get a quote

Please keep in mind that all the information on this page is just a summary and that certain terms, conditions and exclusions apply. For full details read our PDS and Policy Wording.

Our Cover Limits

Cover Section Standard Cover Premier Cover
     
24hr Emergency Medical Assistance Included Included
Overseas Medical Expenses & Emergency Repatriation $25 million (not covered on domestic policies) $25 million (not covered on domestic policies)not
 -  Dental Expenses Limit $500 (not covered on domestic policies) $1,000 (not covered on domestic policies)
Cancellation & Curtailment $10,000 ($5,000 on domestic policies) $20,000 ($7,500 on domestic policies)
Personal Baggage $7,500 ($5,000 on domestic policies) $10,00 ($7,500 on domestic policies)
-  Single Article Limit $750 ($500 on domestic policies) $750 ($750 on domestic policies)
-  Valuables Limit (in total) $750 ($500 on domestic policies) $750 ($750 on domestic policies)
-  except for Personal Computers, Video Recorders or Cameras where the total and per article limits are $3,000 ($2,000 on domestic policies) $3,000 ($2,000 on domestic policies)
Delayed Baggage $500 (not covered on domestic policies) $1,000 (not covered on domestic policies)
Personal Money & Travel Documents $2,000 ($500 on domestic policies) $3,000 ($1,000 on domestic policies)
 -  Cash Limit $250 (not covered on domestic policies) $500 (not covered on domestic policies)
Personal Accident Benefit $50,000 ($25,000 on domestic policies) $75,000 ($35,000 on domestic policies)
Personal Liability $2.5 million ($1 million on domestic policies) $5 million ($2 million on domestic policies)
Legal Advice and Expenses $50,000 (not covered on domestic policies) $75,000 (not covered on domestic policies)
Hospital Cash Allowance $3,000 (not covered on domestic policies) $6,000 (not covered on domestic policies)
-  Daily Amount $50 (not covered on domestic policies) $100 (not covered on domestic policies)
Travel Delay $1,500 (not covered on domestic policies) $2,000 ($1,000 on domestic policies)
-  Trip Abandonment $10,000 ($5,000 on domestic policies) $20,000 ($7,500 on domestic policies)
Missed Departure $2,000 ($500 on domestic policies) $2,000 ($500 on domestic policies)
Rental Vehicle Excess Waiver $4,000 ($4,000 on domestic policies) $5,000 ($5,000 on domestic policies)
Hijack $7,500 ($2,250 on domestic policies) $7,500 ($2,250 on domestic policies)
 -  Hijack Daily Amount $250 ($75 on domestic policies) $250 ($75 on domestic policies)
Catastrophe $1,250 ($1,250 on domestic policies) $1,250 ($1,250 on domestic policies)
Optional Winter Sports Cover:    
Policy extended to cover Winter Sports
(as above) (as above)
Piste Closure $500 $500
 -  per day $50 $50
Delay due to Weather Conditions $750 $750
Ski Equipment $750 $750
-  Owned $750 $750
-  Hired $500 $500
Ski Hire $500 $500
Ski Pack $500 $500
Other Optional Extras:    
Sports/Leisure Activities Pack Available Available
Pregnancy extension Available Available
Other Policy Features:    
Pre-existing medical conditions cover Screening available Screening available
Excess $150 ($125 on domestic policies) $100 ($125 on domestic policies)

Compare Single Trip and Annual Multi Trip

Feature Single Trip Annual Multi Trip
     
Trip duration 1 day - 12 months 60 days max. per trip
No. of trips covered 1 Unlimited
Destination Available for international or domestic trips Choose between Worldwide / Worldwide excluding Canada and USA.
(Includes cover for domestic trips where you're staying in a third party accommodation for at least two nights and your trip destination is at least 500km away from your home)
Number of travellers 1-8 (group policies up to 40), 5%** discount on policies with 2 or more adult travellers, up to 5 dependent children go free*** 1-8, 25%** discount on policies with 2 or more adult travellers, up to 5 dependent children go free***, group/family members on the same policy are also covered while travelling separately
Available options Winter Sports Cover, Sports/Leisure Activities PackPregnancy Extension Winter Sports CoverSports/Leisure Activities Pack

** Based on individual rates, automatically included in the normal insurance premium for policies with multiple insureds.

*** When named on the policy, up to three children (aged 2-18) and up to two infants (under 2 years) go free when travelling with their parent or grandparent. (Excludes any optional cover for pre-existing medical conditions)

Want to see a quote?

Please note that the benefits we’ve listed below are just a summary – to really understand what you’re covered for it’s important that you read our full policy wording including terms, conditions and exclusions.