Bank Australia Platinum Qantas Rewards travel insurance: what does it actually cover?

Covers all prepaid non-refundable travel and accommodation if you cancel for an unexpected, covered reason, up to a total of $15,000, with a $1,500 sub-limit on travel agent fees. A $100 excess applies per claim. Covered reasons include your or a travel companion's serious illness, injury or death, a relative's death or hospitalisation, natural disaster, retrenchment and jury duty.

Pays reasonable overseas emergency medical and hospital costs from an injury or illness that first occurs on your trip, up to $20 million, with a $100 excess per claim. Treatment is covered for up to 12 months after the injury or illness. Allianz Global Assistance arranges and guarantees payment for serious cases through its 24/7 line.

Covers emergency medical evacuation and repatriation to the nearest suitable hospital or home to Australia on medical advice, up to $20 million, with no excess. Allianz Global Assistance coordinates the transfer and guarantees payment through its 24-hour line. Repatriation of remains and reasonable overseas funeral costs are also covered under related benefits.

Pays for emergency dental treatment of sudden and acute pain to natural teeth (spontaneous toothache) up to $500 in total, with a $100 excess. It does not cover dental work arising from an injury, which falls under the medical benefit, or any routine, cosmetic or preventative dentistry.

Pays a cash allowance of $75 per person for each full 24 hours you spend as a hospital inpatient overseas beyond the first 24 hours, up to a total of $7,500. It is paid on top of your overseas medical cover and helps with incidental costs during a hospital stay.

Reimburses reasonable additional travel and accommodation costs if injury, illness or a covered disruption forces you to change your plans overseas, up to $30,000, with a $100 excess. It covers extra costs to continue or shorten your journey, and travel for a companion or relative to be with you if you are hospitalised.

Reimburses reasonable additional meals and accommodation if your journey is delayed for at least 6 consecutive hours by something outside your control, up to $275 per person and $700 in total, with no excess. It starts at the end of the first 6 hours of delay.

Pays reasonable additional travel costs to help you arrive at a special event on time when your journey is interrupted by an unexpected cause outside your control, up to $2,500, with no excess. A special event includes a pre-paid wedding, funeral, conference, concert, cruise or tour you planned to attend.

Reimburses the reasonable additional cost of returning home early if a relative in Australia, aged under 81, dies unexpectedly or is hospitalised with a serious illness or injury while you are away, up to $2,000 per cardholder or spouse and $4,000 in total, with no excess. Contact Allianz Global Assistance for approval before you rebook where you can.

If your luggage is delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours, this reimburses reasonable emergency purchases of clothing and personal items, up to $500 per person and $1,000 in total, with no excess. Any amount paid here is deducted from a later lost-luggage claim for the same items.

Covers theft, accidental damage or permanent loss of your luggage and personal effects up to $3,000 in total, with a $100 excess. Per-item limits apply: up to $2,000 for cameras and associated equipment, up to $2,000 in total for laptops, and up to $750 per item for other items including mobile phones. Depreciation applies to items owned 12 months or more.

Covers the cost of reissuing or replacing lost or stolen passports, travel documents, transaction cards and travellers cheques, and any loss from the fraudulent use of stolen cards or cheques, up to $500 per person and $1,000 in total, with no excess.

Covers your legal liability if you negligently cause death, bodily injury, or loss of or damage to property during your journey, up to $500,000, with no excess. It includes awarded compensation and reasonable legal costs approved by Allianz Global Assistance.

Pays a lump sum of $25,000 per person, up to $50,000 in total, if you die from an injury within 12 months of an accident during your trip, or if the transport you are travelling on disappears and you are presumed dead. No excess applies.

No loss of income cover. This benefit is not included with this card. Income lost while you recover from a travel injury is not replaced, so weeks off work fall entirely on you.

No domestic trip cancellation. This benefit is not included with this card. Cancelled interstate flights and prepaid domestic bookings are not reimbursable, and the lost fares are your cost.

No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.

No domestic additional expenses. This benefit is not included with this card. Extra travel and accommodation costs on an interstate trip are out of pocket.

No domestic luggage cover. This benefit is not included with this card. Bags lost or stolen on an interstate flight are not reimbursable through this card.

No domestic luggage delay cover. This benefit is not included with this card. Emergency purchases during a delayed-bag wait on an interstate flight are out of pocket.