Am I covered if I have a serious accident?

If you suffer an accident that causes your death or results in loss of a limb, loss of sight, loss of extremity, or permanent total disablement while on your trip, Travel with Kit will pay you up to the applicable limit amount to your immediate family members or, in the absence immediate family members, your beneficiaries.

A maximum payout of $15,000 is available on Basic and Domestic cover while on Comprehensive it’s $37,500.

Keep in mind

  • The Personal Accident benefit is not available on Saver cover levels
  • our liability as a result of the incident will be limited to AUD$15,000 in total for all in your travelling party if you purchase the Basic, Inbound or Domestic plan and AUD$37,500 in total for all in your travelling party if you purchase the Comprehensive plan;
  • we will not pay for any illness or pre-existing medical condition that occurs, even though the illness or condition is caused or aggravated by the accident;
  • we will not pay for any consequences of cosmetic surgery, or medical treatment not necessitated by an accident;
  • if you are over the age of 70, the compensation payable in case of death or disablement is limited to 50% of the benefit limit;
  • the death or loss of a limb, sight or extremity, or permanent total disablement must occur within one year of the accident;
  • if we pay you for disablement, and you later die from the accident, we’ll
    pay your estate the difference between the disablement payment and the
    death payment;
  • you must be receiving medical treatment and comply with the physician’s instructions.
  • we are entitled to:
    • obtain information from the physician who is treating or has
      been treating you;
    • have you treated by a physician we choose; and
    • in case of death, to demand an autopsy.
  • Very specific and strict conditions apply. Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details, and to see how we define loss or injury.
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