Qantas titanium travel insurance: what does the $1,200 card actually cover?

Covers all prepaid, non-refundable travel with no dollar cap on an overseas trip, and up to $3,000 on a domestic trip, after a $250 excess. Covered reasons include illness, injury or death, redundancy, jury service, natural disasters and a government 'Do Not Travel' warning issued after you book. Travel agent commission is sub-limited to $1,000 or 15% overseas. Pre-existing medical conditions are excluded.

Pays overseas emergency medical and hospital costs with no dollar cap for up to 12 months from the injury or illness, after a $250 excess (a terrorism-related emergency is sub-limited to $1,000,000). Emergency dental for sudden pain is capped at $1,250. There is no medical cover on domestic trips, because Medicare applies within Australia. Pre-existing conditions are excluded.

Covers emergency evacuation and repatriation arranged by Chubb Assistance, up to $500,000 overseas and $50,000 on a domestic trip. Repatriation of remains, funeral or burial is covered up to $20,000 overseas ($5,000 domestic). All emergency transport must be approved by Chubb Assistance first. The 24/7 line accepts reverse-charge calls from overseas.

Covers overseas emergency dental treatment for the sudden onset of pain, up to $1,250 after a $250 excess. It does not cover routine, cosmetic or planned dental work. Domestic trips carry no dental cover.

Pays incidental in-hospital expenses of $80 for each 24-hour period you are hospitalised overseas, up to a maximum of $4,800. It is a small cash allowance for costs like phone calls and sundries, not treatment. Treatment itself falls under the overseas medical benefit.

Covers extra room-only accommodation of up to $250 per 24 hours if a covered medical event overseas forces you to stay on, to a maximum of $5,000. It is capped by a daily rate rather than the full cost of a disrupted trip. Domestic trips are not covered under this benefit.

Pays travel delay expenses when your onward flight is delayed, cancelled or overbooked for 6 hours or more: up to $750 initially, extending to $700 per 24 hours (from 30 hours) to a maximum of $3,500 overseas. The domestic equivalent is smaller, to a maximum of $700. No excess applies.

Covers reasonable expenses of up to $750 when a delayed, cancelled, overbooked or missed onward flight holds you up for 6 hours or more. It is the first-stage payment before the extended delay cover applies. There is no separate benefit for arranging alternative transport beyond this.

On a long overseas trip of 15 days or more, covers the cost of returning to Australia and resuming the trip if a close relative is injured, falls ill or dies, up to $3,000 ($2,000 if the condition is pre-existing), after a $250 excess. It applies to close relatives only. Domestic trips are not covered.

Covers the cost of essential replacements if your checked baggage is delayed more than 12 hours overseas: up to $500 initially, extending to a maximum of $2,500. Keep the receipts for the clothes and toiletries you buy while you wait. The domestic maximum is $700, and no excess applies.

Covers lost, stolen or damaged personal baggage and valuables up to $15,000 per person overseas ($3,000 domestic), after a $250 excess. Sub-limits apply: money and documents $1,000, all valuables $13,000, a single smartphone $2,000, a laptop $5,000, a camera $5,000. Depreciation is applied to older items.

Covers loss or theft of money and travel documents up to $1,000 overseas ($250 domestic), within the baggage section and after a $250 excess. It helps with the cost of replacing passports and similar documents. Cash cover is limited, so carry little.

Covers your legal liability for accidental injury to others or damage to their property, up to $2,500,000 overseas and $1,000,000 domestic, after a $250 excess. It does not cover liability to family or employees, or arising from vehicles you own or drive. This is the benefit that matters if an accident abroad turns into a claim against you.

Pays a lump sum of $20,000 to the card member or spouse ($10,000 for a dependent child) for accidental death on an overseas trip, with no excess. A separate public transport accident benefit pays up to $500,000 for death or permanent disablement while travelling on a scheduled service, overseas or domestic. Both are modest next to a standalone life policy.

Pays up to $4,340 a month for up to 5 months (a maximum of $21,700) if an injury on an overseas trip stops you earning after you return, once a 30-day waiting period passes. Most complimentary policies leave this out entirely. It applies to overseas trips only.

Covers cancellation or amendment of a domestic interstate trip up to $3,000, after a $250 excess, once you have charged the fare or spent $500 or more on accommodation on the card. The covered reasons mirror the overseas cancellation cover. It is a fraction of the uncapped overseas limit.

Covers expenses when a domestic onward flight is delayed 6 hours or more, up to $100 initially and a maximum of $700, with no excess. It is designed for interstate air-travel disruptions. Overseas delays are covered more generously.

No standalone domestic additional expenses cover. Extra costs on an interstate trip fall under the domestic cancellation and delay limits instead. Anything beyond those caps is out of pocket.

Covers lost, stolen or damaged luggage on a domestic interstate trip up to $3,000, after a $250 excess, with a $500 single-item sub-limit. It is the domestic counterpart to the $15,000 overseas baggage cover. Charge the trip to the card to qualify.

Covers essential replacements if checked baggage is delayed more than 12 hours on a domestic trip, up to $100 initially and a maximum of $700, with no excess. Keep every receipt. It mirrors the overseas baggage delay benefit at lower limits.