What does the Diners Club Frequent Flyer travel insurance actually cover?

Covers all prepaid non-refundable travel with no dollar cap if you cancel for a covered reason such as serious illness, injury or death. A travel agent's cancellation fee is limited to the lesser of $500 or 15 percent, and travel-provider insolvency is capped at $5,000 per person. The $200 excess applies to each cancellation claim.

Pays unlimited reasonable overseas emergency medical and hospital expenses for an injury or sickness that first occurs on your journey, arranged through Allianz Global Assistance. Emergency dental for sudden acute pain to natural teeth is sub-limited to $1,250. A $200 excess applies, and treatment must be for a condition covered by the policy.

Overseas Emergency Assistance is unlimited and arranged by Allianz Global Assistance, reachable 24 hours a day on a reverse-charge line. It covers medical evacuation to the nearest suitable hospital, repatriation to Australia with medical supervision when needed, and repatriation of remains. There is no excess on this section.

Covers emergency dental treatment for sudden acute pain to sound natural teeth, up to $1,250 per person. It does not cover treatment for decay, deterioration or normal wear. The $200 medical excess applies.

Pays $110 for each day you are hospitalised overseas, up to $5,000 per person and a maximum of $7,500 for a family travelling together. It is a cash allowance for incidentals on top of your medical cover. The $200 excess applies.

Covers reasonable additional travel and accommodation costs when your journey is disrupted by a covered injury, sickness or event, with no dollar cap on the section overall. Resumption of journey after you have to return home early is sub-limited to $5,000 per person, up to $10,000 for a family. No excess applies to general additional expenses.

After a six hour delay to your scheduled transport, it pays up to $275 per person for meals and accommodation, then a further $150 per person for each additional 12 hour period. The most it pays a single traveller for one delay is $425, or $1,050 for a family travelling together. No excess applies.

Pays up to $3,500 in total for alternative transport to help you reach a destination on time after a covered delay to your scheduled transport. It is meant for genuine schedule recovery, not routine connections. No excess applies.

Covers the extra cost to return home early and then resume your journey after an emergency such as the death or hospitalisation of a close relative, up to $5,000 per person and $10,000 for a family. It sits inside the additional expenses section. A $200 excess applies to resumption of journey.

If your luggage is delayed in transit overseas, it pays up to $500 per person for essential items you need to buy while you wait, up to $1,000 for a family. You claim the cost back later, so keep the receipts. No excess applies.

Covers lost, stolen or damaged luggage and personal effects overseas up to $20,000 per person and $30,000 for a family, after depreciation. Per-item limits apply: $3,000 for most items, $3,000 per camera and $3,000 in total for laptops. Items left in a vehicle are limited to $250 each. A $200 excess applies.

Covers the replacement of travel documents, transaction cards, travellers cheques and cash lost or stolen overseas, up to $500 per person and $1,000 for a family. It is a modest limit aimed at reissue and emergency cash, not large losses. No excess applies.

Covers your legal liability if you accidentally injure someone or damage their property overseas, up to $2,250,000 for one event or series of related events, including reasonable legal costs approved in advance. Liability from vehicles, aircraft and business activities is excluded. No excess applies.

Recommended : A$2,500,000

Pays a $25,000 lump sum for the accidental death of the cardholder on the journey, $25,000 for a spouse and $5,000 for a dependant. A separate Transit Accident Insurance pays up to $250,000 for loss of life during covered transport when the whole trip is charged to the card. No excess applies.

If an overseas injury leaves you unable to work after you return, it replaces your verified income at up to $750 per person per week for the cardholder and spouse, for up to three months and a total of $8,000 across all claims. It applies to injury, not sickness. No excess applies.

Under the Interstate Flight Inconvenience section, cancellation of prepaid interstate travel is covered up to $3,000 in total. It applies when the entire return interstate airfare was charged to the card and the trip is 14 days or less. A $200 excess applies.

After a four hour delay to an interstate flight, it pays $80 per person up to $300, then another $80 per person up to $300 once the delay reaches ten hours. Missed connections of four hours or more are covered on the same basis. No excess applies.

No domestic additional expenses cover. The Interstate Flight Inconvenience section covers cancellation, delay and luggage, but not extra travel and accommodation from an interstate disruption. Costs from a cut-short interstate trip, such as rebooked flights and unused hotels, are out of pocket.

Covers luggage lost, stolen or damaged on an interstate flight, up to $750 for each item and $1,500 in total. It applies when the interstate airfare was charged to the card. A $200 excess applies.

If your luggage is delayed on an interstate flight, it pays up to $200 per person for essential purchases while you wait, to a maximum of $450 for a family. You claim the cost back afterwards. No excess applies.