What is covered by Essential Travel Insurance?

You can upgrade your cover and add optional extras to your policy, like snow sports cover or excess reduction, for an additional premium. Optional extras can be added when you get a quote and buy a policy. 

To be eligible for Catch Travel Insurance you must be an Australian citizen or permanent resident, or non-permanent resident with a valid Medicare card, private health or overseas student travel insurance for the duration of your trip. Your policy must be purchased before you depart on your trip which must begin in Australia.

You can cover up to 10 adults and 20 dependent children under one policy. Dependent children (including step, fostered or adopted children or grandchildren) must be:

• Under 18 years of age
• Financially dependent on you
• Listed on your travel insurance policy

Depending on your requirements, travel insurance quotes can be customised to provide cover per person or per family. The benefit amount limits are per insured person on your policy.

Your excess will depend on what type of travel insurance benefit you are claiming. Some benefits will attract a higher excess, while others won’t attract an excess. Note that if your excess exceeds the amount you are claiming, you won’t get anything back.

 For an additional premium, you can choose to remove or reduce your excess. Simply add this optional extra to your policy when you receive a quote and purchase your insurance policy.

• Abseiling (fully harnessed)*†
• Amateur athletics
• Archaeological digging
• Archery (amateur and occasional only)
• Assault course (no weapons)*†
• Badminton (amateur and occasional only)
• Baseball (amateur and occasional only)
• Basketball (amateur and occasional only)
• Battle re-enactment (no live firearms)*†
• Breathing observation bubble diving (maximum depth 30 metres)*
• Bridge walking (supervised by a fully trained guide only)*
• Bungee jumps (three jumps maximum)
• Camel or elephant riding or trekking†
• Canoeing (grade 1 and 2 rapids or lower)†
• Canoeing (grade 3 and 4 rapids)*†
• Canopy walking or tree-top walking*
• Cave tubing or river tubing*†
• Clay-pigeon shooting†
• Coasteering (amateur and occasional only)*†
• Conservation or charity work (educational and environmental – working with hand tools only)†
• Cricket (amateur and occasional only)
• Cycle touring†
• Cycling
• Dragon boating†
• Dune or wadi bashing†
• Falconry*†
• Football (amateur and occasional only)†
• Go-karting*†
• Golf (amateur and occasional only)
• Gorge swinging or canyon swinging (no personal accident or personal liability cover with Domestic Cover)*
• Gorge walking*†
• Hockey†
• Horse riding (not polo, hunting or jumping)†
• Hot-air ballooning*†
• Husky sledge driving*
• Jet boating†
• Jet skiing†
• Jogging
• Kayaking (grade 1 and 2 rapids or lower)†
• Kayaking (grade 3 and 4 rapids)*†
• Lugeing – not ice*†
• Marathons – amateur and occasional only†
• Martial arts – training only†
• Motorcycling – 125cc and over (please note General Exclusion 11 in the PDS)†
• Motorcycling – under 125cc (please note General Exclusion 11 in the PDS)†
• Mountain biking – not racing or extreme ground conditions or stunts†
• Mud buggying*†
• Netball (amateur and occasional only)
• Orienteering (amateur and occasional only)
• Ostrich riding (not racing)*†
• Paintballing (wearing eye protection)*†
• Parasailing*
• Parascending – over water†
• Passenger in private or small aircraft or helicopter*†
• Quad biking*†
• Rafting – white or black water (grade 3 and 4 rapids)*†
• Rafting – white or black water (grade 1 and 2 rapids)†
• Rambling
• Refereeing (on an amateur basis)
• Rock climbing (indoor and harnessed)†
• Roller blading (no racing, half-pipe, stunts or extreme skating)
• Rowing (amateur and occasional only)
• Rugby codes (amateur and occasional only) †
• Running (sprint and long distance)
• Safari
• Sand boarding
• Sand yachting†
• Scuba diving (qualified, maximum depth 30 metres, not diving alone)†
• Scuba diving (unqualified but with instructor, maximum depth 30 metres)*†
• Sea canoeing or kayaking – short or day trips only, with overnight stays (not on water)†
• Sea canoeing or kayaking (day trips and coastal only)
• Sleigh rides (as part of a Christmas trip to Northern Europe)
• Skateboarding (no racing, half-pipe, stunts or extreme skating)
• Snorkelling
• Squash
• Surfing (not big wave or extreme surfing)
• Swimming
• Target rifle shooting†
• Tennis (amateur and occasional only)
• Trekking or hiking (over 3,000 metres but under 5,000 metres altitude)*
• Trekking or hiking (under 3,000 metres altitude)
• Tubing*
• Volleyball (amateur and occasional only)
• Wake boarding (no stunts)
• Water polo (amateur and occasional only)
• Waterskiing (no stunts)
• Windsurfing†
• Yachting (not racing and sailing inside territorial waters)†
• Zip lining*†
• Zorbing*

 *Must be available to the general public, be conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake.

†You are not covered for Personal Accident (section F of the product disclosure statement) or Personal Liability (section G). For more details, please read the product disclosure statement (PDS).

 Snow sports cover can be added to your Catch Travel Insurance policy for an additional premium.

With Catch Travel Insurance, you have access to worldwide 24-hour emergency medical assistance and hospital treatment (excluding pregnancy and childbirth). If you fall sick or become injured on your trip, you must contact us as soon as possible. From there, we’ll be able to get you the help you need.

When travelling overseas, and you have any questions or need to make a claim, call our Customer Service on +61 7 3465 1368 or email autogeneral@travelclaims.com.au.

You may be able to change the following details of your policy, depending on the time at which you decide to make changes:

• Add travellers to your policy
• Extend your return date
• Update your Travel destination(s)
• Add optional extras 

You can make these changes by contacting us on 1800 281 227, Monday – Friday 9:00am – 5:00pm AEST.