Key benefits

We want you to relax and enjoy your time spent working overseas. Whether it’s a quick business trip, or you're taking a year out to immerse yourself in another culture, we’re here for you. Our Working Overseas travel insurance is specifically designed for you to remove the worry and anxiety should something not go quite to plan.

Australia/South Pacific
Worldwide
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Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited cover
Unlimited cover
Medical treatment
Unlimited
Unlimited
24 hour emergency assistance
Unlimited
Unlimited
Medical evacuation
Unlimited
Unlimited
Medical repatriation
Unlimited
Unlimited
Optical treatment
Including optometrist consultations, spectacles/lenses.
$500
$500
Ancillary services
Including acupuncturists, chiropractors, physiotherapists and Chinese medicine.
$2,500
$2,500
Maternity care
Cover per pregnancy.
$3,000
$3,000
Rehabilitation and occupational therapy
$10,000
$10,000
Psychology and psychiatry
$2,000
$2,000
Prescriptions
$3,000
$3,000
Emergency dental treatment
$1,200
$1,200
Extra travel, accommodation expenses and meal allowance
Cover per unexpected event.
$5,000
$5,000
Accompanying person
$5,000
$5,000
Funeral expenses or return of mortal remains
Cover per deceased person. No excess applies.
$15,000
$15,000
Replacement staff
Cover per unexpected event.
$5,000
$5,000
Evacuation benefit
Cover for extra costs you incur because you must be evacuated such as contract break fees on rental properties and vehicles. Cover per policy.
 
$5,000
$5,000
Claims relating to terrorism
Cover per policy.
$100,000
$100,000
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Changes to your journey
Includes cover if your trip is cancelled, changed and delayed, or if you need to cut your journey short and then return back overseas.
 
$50,000
$100,000
Postponement
$50,000
$100,000
Cancellation of journey
$50,000
$100,000
Curtailment of journey
Cover per policy.
$5,000
$5,000
Travel interruption
After 12 hours delay. Cover per unexpected event.
$5,000
$5,000
Resumption of journey
Cover per policy.
$5,000
$5,000
Delayed journey to a special event
Per person limits apply. Cover per policy.
$5,000
$5,000
Existing conditions of a relevant person
Per person limits apply. Cover per policy.
$5,000
$5,000
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Baggage and personal items

Cover for lost, stolen or damaged items and help to purchase essential items of clothing and personal effects, if your bags are delayed, misdirected or misplaced for 12 hours or more.

$7,500
$10,000
Jewellery and watches
Up to $1,500 per unspecified item. Cover per policy.
$2,500
$2,500
Laptops, personal computers, tablets, cameras
Up to $3,000 per unspecified item. Cover per journey.
$10,000
$10,000
Other items
Up to $1,500 per unspecified item.
$7,500
$10,000
Optional: Specified items
Up to $5,000 per specified item. Cover per policy.
$10,000
$10,000
Baggage delay
After 12 hours delay. Per person limits apply. Cover per policy.
$5,000
$5,000
Essential medication
Per policy.
$500
$500
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Cash and travel documents
Includes cover to replace lost, stolen or damaged bank cards, travel documents and passports, and to replace lost or stolen cash. Cover per policy.
$500
$500
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Personal accident

Includes financial support for you or your loved ones if you’re injured whilst on your journey.

$25,000
$50,000
Death during journey over 9 years
A one-off payment.
$25,000
$50,000
Total permanent disablement over 9 years
A one-off payment.
$25,000
$50,000
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Personal liability

Cover towards legal liability for damages, compensation and legal expenses.

$100,000
$200,000
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Rental vehicle excess

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged.

$3,000
$3,000

This table is a summary of the Working Overseas policy benefits and shows the maximum cover per person per policy (unless cover otherwise stated). The excess you select applies per unexpected event. To fully understand what you’re covered for and the exclusions and conditions that apply, please read the Policy Document.

All policies come with Southern Cross Emergency Assistance, giving you access to one of the world's largest network of emergency medical resources 24 hours a day, 7 days a week.