Qantas Premier Platinum travel insurance: what does it actually cover?

Covers prepaid, non-refundable travel and accommodation if you cancel, amend or cut short an overseas trip, capped at $20,000 per person ($2,000 on interstate trips). Covered reasons are broad: your own illness or injury, the death or serious illness of a close relative or travelling companion, a natural disaster, redundancy, jury service, and a DFAT Do Not Travel warning issued after you booked. A $500 excess applies per claim. Pre-existing medical conditions are not covered.

Pays overseas emergency medical and hospital costs up to $1,000,000, for up to 12 months from the date of the injury or illness. Emergency dental for sudden acute pain to natural teeth is capped at $1,250, and a $500 excess applies per claim. There is no cover for treatment inside Australia, since Medicare and private health apply here. Pre-existing medical conditions are excluded, with no assessment option.

Covers emergency evacuation and repatriation to the nearest suitable hospital or back to Australia, up to $250,000, arranged 24/7 by Chubb Assistance. Repatriation of your remains, or a local burial or cremation, is covered up to $10,000 (up to 30,000 euro for a death in a Schengen country). Chubb must approve evacuation and repatriation costs in advance. A $500 excess applies per claim.

Pays for emergency dental treatment overseas for sudden acute pain to natural teeth, capped at $1,250. It does not cover treatment for tooth decay, dentures, crowns, orthodontics or cosmetic work. A $500 excess applies per claim.

Pays a cash allowance for incidental expenses, such as food and toiletries, while you are admitted to hospital overseas as an in-patient. The benefit is $50 for each complete 24-hour period, up to a maximum of $3,000. A $500 excess applies per claim.

Additional travel and accommodation is covered only as part of an overseas medical emergency, not as a standalone benefit. Following a covered medical event, Chubb pays extra accommodation, room only, up to $200 per 24 hours to a maximum of $4,000, plus a return economy airfare up to $1,000. There is no general additional-expenses cover for a non-medical disruption. A $500 excess applies per claim.

Covers accommodation, room only, when your scheduled flight is delayed, cancelled, overbooked or a connection is missed by 6 hours or more. The benefit starts at $600, and an extended delay pays up to $600 per 24 hours (after 30 hours) to a maximum of $3,000 overseas ($300 interstate). No excess applies.

Alternative transport is covered only when a flight delay would make you miss a prepaid special event, such as a wedding, funeral or pre-booked concert. In that case Chubb pays reasonable alternative public transport to reach the event, up to $600. There is no general missed-connection benefit for onward travel. No excess applies.

Covers the cost of a scheduled flight to resume a long overseas trip after you fly home for the death, injury or unforeseen illness of a close relative. The benefit is up to $3,000, or $2,000 where the relative has a pre-existing condition. It applies only to trips of 15 days or more, and you must resume within 30 days with more than 14 days of the trip still to run. A $500 excess applies.

Covers essential emergency clothing and toiletries when your checked baggage is delayed by 12 hours or more on the way out. The benefit is up to $400, and an extended delay pays up to $400 per 24 hours (after 36 hours) to a maximum of $2,000 overseas ($300 interstate). No excess applies. There is no cover for baggage delayed on the flight home.

Covers accidental loss, theft or damage to personal baggage, valuables, money and travel documents, up to $10,000 per person overseas ($2,500 interstate). Single items, pairs and sets are capped at $1,000 each, and total valuables at $8,000, with depreciation applied by item age. A $500 excess applies per claim. Sporting equipment in use and items left unattended in public are not covered.

Covers the replacement of lost or stolen travel documents, transaction cards, cash and travellers cheques, within the personal baggage section. The money and travel documents sub-limit is $500 overseas ($250 interstate). A $500 excess applies per claim, and you must report the loss to police or the issuer.

Covers your legal liability if you injure someone or damage their property while travelling, up to $2,500,000 overseas ($1,000,000 interstate), including reasonable legal costs. It does not cover liability tied to a vehicle, watercraft, aircraft or your work. A $500 excess applies per claim.

Pays a lump sum if you die in an accident during an overseas trip: $20,000 for the cardholder or spouse, $10,000 for a dependent child. A separate public transport accident benefit pays up to $200,000 if the accidental death happens while travelling on a scheduled bus, train, plane or ferry. No excess applies. There is no benefit for a death inside Australia under this section.

No loss of income cover. This benefit is not included with this card. If an overseas injury stops you working after you return, there is no income replacement from this policy.

Covers cancellation or amendment of prepaid, non-refundable interstate travel, capped at $2,000 per person. To activate the domestic cover, spend $500 or more on accommodation, or charge the full interstate return airfare to the card, and hold a return ticket. Covered reasons match the overseas cancellation cover. A $500 excess applies per claim.

Covers accommodation, room only, when an interstate scheduled flight is delayed, cancelled, overbooked or a connection is missed by 6 hours or more. The benefit is up to $100, extended to a maximum of $300. No excess applies.

No domestic additional-expenses cover. Interstate cancellation covers prepaid costs, but there is no separate additional travel or accommodation benefit for an interstate disruption. Those out-of-pocket costs sit with you.

Covers loss, theft or damage to personal baggage on an interstate trip, up to $2,500 per person, with single items, pairs and sets capped at $500 each. A $500 excess applies per claim, and depreciation applies by item age. Items left unattended in public are not covered.

Covers essential clothing and toiletries when checked baggage is delayed by 12 hours or more on an interstate flight out. The benefit is up to $100, extended to a maximum of $300. No excess applies. There is no cover for baggage delayed on the flight home.