Westpac Altitude Qantas Platinum travel insurance: what does it cover?

Reimburses the non-refundable portion of prepaid travel and accommodation with no dollar cap, when a cancellation is unexpected and outside your control. A travel agent's cancellation fee is capped at the lesser of $500 or 15% of the booking. A $300 excess applies per claim, and pre-existing conditions are excluded unless they are on the covered list or assessed and approved.

Covers overseas emergency medical and hospital costs with no dollar cap, subject to a $300 excess per claim. Treatment is arranged and approved by the 24/7 Allianz Global Assistance line, and cover for a covered event continues for up to 12 months of treatment. Pre-existing conditions are not covered unless they are on the covered list or assessed and confirmed for a $45 fee.

Overseas Emergency Assistance and Evacuation & Repatriation are both unlimited, arranged by the Allianz Global Assistance team. A $300 excess applies to evacuation, while the assistance service itself carries no excess. It includes emergency transport to hospital, repatriation to Australia when medically necessary, and repatriation of remains, with unlimited funeral expenses overseas.

Covers overseas emergency dental for sudden and acute pain to natural teeth, up to $2,000 per person, with a $300 excess. It is limited to the relief of spontaneous pain, not planned, routine or cosmetic dental work.

Pays a cash allowance of $100 per person per day while you are hospitalised overseas, up to a total of $15,000 per person, with a $300 excess. It is a small comfort payment on top of medical cover, not a substitute for it.

Additional Expenses covers reasonable extra travel and accommodation with no dollar cap if your journey is disrupted by a covered event such as injury, illness or a transport failure, subject to a $300 excess. It picks up the unplanned costs of getting back on track after something goes wrong overseas, including emergency costs for a necessary travelling companion.

Travel Delay Expenses pays for meals and accommodation once your transport is delayed six consecutive hours or more, up to $500 per person and a total of $1,100 for a cardholder travelling with family, with a $300 excess. The delay must be outside your control.

Alternative Transport Expenses reimburses the reasonable cost of alternative transport to reach a destination on time after a covered delay, up to $3,750, with a $300 excess. It applies when a scheduled service fails and you need another way to get there.

Return Home and Resumption of Journey pays up to $5,750 per person, and a total of $12,500 for a cardholder travelling with family, to fly home and, where time allows, resume the trip after the death of a relative in Australia, with a $300 excess. It covers the extra fares that a family emergency forces on you mid-trip.

Luggage Delay reimburses essential clothing and personal items if the carrier delays your bags more than 12 consecutive hours, up to $800 per person and a total of $1,600 for a family, with no excess. Anything paid here is deducted from a later lost-luggage claim.

Luggage and Personal Effects covers theft, loss or accidental damage up to $20,000 per person and $30,000 for a family, with a $300 excess. Per-item sub-limits apply: $5,000 per item for most belongings, $5,500 for a camera and equipment, and $5,500 in total for laptops. Items left in a vehicle are covered to $5,000 only, and depreciation reduces the payout on older items.

Covers the cost of replacing lost or stolen travel documents, transaction cards, travellers cheques and cash, up to $550 per person and a total of $1,250 for a family, with no excess. It helps you replace what you need to keep travelling after a theft.

Personal Liability covers your legal liability for accidental injury to other people or damage to their property overseas, up to $2,500,000, with no excess. It is the benefit that matters if an accident abroad turns into a claim against you.

Pays a lump sum of $50,000 on the accidental death of a cardholder and $25,000 for a spouse or dependant, up to a family total of $150,000, with no excess. A separate Overseas Transit Accident benefit adds cover for death while travelling on public transport.

Loss of Income replaces your verified income at up to $1,000 per week if an overseas injury stops you working after you return, for up to 12 weeks and a total of $12,000 for a cardholder or spouse, with no excess. There is no cover for dependants, and it applies to injury, not illness.

Interstate Flight Inconvenience covers cancellation of prepaid interstate travel up to $3,000, with a $300 excess, when a covered event outside your control forces you to cancel. It applies to return interstate flights charged to the card and runs for up to 14 days per journey.

Pays for meals and accommodation after an interstate flight delay of four hours or more, at $125 per person up to a total of $500, with no excess. It is modest cover for an interstate delay, not a full domestic policy.

No domestic additional expenses cover. The Interstate Flight Inconvenience section pays for cancellation, delay and luggage only. Extra travel and accommodation costs after an interstate disruption are the cardholder's responsibility.

Covers interstate luggage loss, theft or damage at up to $500 for each item and $1,500 in total, with a $300 excess. The per-item cap is low, so a single expensive item is only partly covered.

Pays for essential purchases after an interstate luggage delay of 12 hours or more, at $125 per person up to $500, with no excess. It covers the basics while an interstate carrier still has your bag.