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YOUR GUIDE TO PRODUCT EXCELLENCE AUSSIES JETTING OFF IN RECORD NUMBERS ustralians love their overseas trips and it takes a lot to put them off. Tsunamis, volcano eruptions, typhoons, nuclear meltdowns, political upheavals, tornadoes, earthquakes, it seems the strong Aussie dollar can overcome just about everything that’s been thrown at it in the past year. Data from the Department of Infrastructure and Transport shows that in the past 20 years the only time Australians have travelled less than the previous year is straight after the 9-11 terrorist attacks. Even the onset of the global financial crisis (GFC) was only a blip on the radar and not enough to reduce traveller numbers. Admittedly travel growth slowed briefly during this period but it soon took off again. The current dip in value the Aussie dollar is experiencing is indicative of uncertainty in the financial world. This bodes well for the appeal of travel within the country. However, if past data tells us anything, it’s that Australians won’t be grounded for long, as the lure of getting away from it all to an overseas destination starts pulling once again at the heart and purse strings. A IN THIS REPORT: We research & rate 42 travel insurance brands 174 comprehensive travel insurance policies 18 medical-only travel insurance policies 41 domestic travel insurance policies Report No. 3 September 2011

Transcript of IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel...

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YOUR GUIDE TO PRODUCT EXCELLENCE

AUSSIES JETTING OFF IN RECORD NUMBERS

ustralians love their overseas trips and it takes a lot to put them off. Tsunamis, volcano eruptions, typhoons, nuclear meltdowns, political upheavals, tornadoes, earthquakes, it seems the strong Aussie dollar can overcome just about everything that’s been thrown at it in the past year. Data from the Department of Infrastructure and

Transport shows that in the past 20 years the only time Australians have travelled less than the previous year is straight after the 9-11 terrorist attacks. Even the onset of the global financial crisis (GFC) was only a blip on the radar and not enough to reduce traveller numbers. Admittedly travel growth slowed briefly during this period but it soon took off again. The current dip in value the Aussie dollar is experiencing is indicative of uncertainty in the financial world. This bodes well for the appeal of travel within the country. However, if past data tells us anything, it’s that Australians won’t be grounded for long, as the lure of getting away from it all to an overseas destination starts pulling once again at the heart and purse strings.

A

IN THIS REPORT: We research & rate 42 travel insurance brands

174 comprehensive travel insurance policies

18 medical-only travel insurance policies

41 domestic travel insurance policies

Report No. 3 September 2011

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YOUR GUIDE TO PRODUCT EXCELLENCE

DON’T SWEAT THE SMALL STUFF

any travellers worry about things like cancelled flights and lost luggage when in fact the absolute essential issue as far as travel insurance goes is medical cover. Why? Because

the cost of medical care in many countries, is astronomical and it can make traveling without insurance a ghastly mistake. Medical attention and hospitalization in the United States, for instance, is beyond the reach of most normal travellers and explains why insurance cover for America is more expensive. Once outside Australia, you can’t rely on Medicare so accident or illness can really bite into the family finances. Apart from hospitalization charges – these regularly exceed $800 per day in southeast Asia alone – there are others you don’t think about. For example, if you have the misfortune to break a leg while holidaying overseas, in order to fly home, you will have to pay to upgrade to business class. Here are some more scary statistics:

• Return of remains from Europe, in excess of $10,000. • Medical evacuations from the United States range from $75,000 to $95,000 & sometimes up to $300,000. • Medical evacuations from nearby Bali, in excess of $60,000.

Travellers who are not covered by travel insurance are personally liable for covering incurred medical and associated costs. You don’t have to look far to find families forced to sell off assets such as superannuation or the family home to bring loved ones back to Australia for treatment. To avoid becoming a holiday horror story, the best advice you can get is to take out travel insurance that offers proper coverage in the areas that matter to you.

PREMIUMS SHUFFLE AROUND

ver the past 12 months, travel insurance companies, too, have been affected by the fluctuations in the value of the Australian dollar. The strong currency has

favoured the insurers when paying out overseas claims, particularly the high medical costs incurred in countries like the USA. On the flipside for insurers has been the seemingly endless spate of major global disasters which have affected travellers and hence their insurers. So what does this activity actually mean for premiums that travellers are paying? CANSTAR CANNEX compared the average premium for each insurer this year relative to last year and found that around half had not changed at all. Of the ones that had changed, more had increased than decreased, but there were still plenty who had decreased their premiums. Many factors come into the equation when insurers are pricing risk and only individual insurers can determine whether or not they need to adjust their premiums. What’s obvious to us is that the travel insurance business remains very competitive and therefore shopping around is in the best interests of would-be travellers. One size doesn’t fit all with this product, as there are numerous variations to take into account such as age, pre-existing conditions etc. The bottom line is that if one insurance company won’t cover your travel needs, another one will. It’s just a matter of shopping around.

TAILOR COVER TO YOUR NEEDS

travel insurance policy will usually cover events such as personal injury and loss or theft of your possessions, as well as costs that you incur if your travel plans are disrupted. The cost of travel insurance is based on the type of cover requested, the age of the insured, the destination of travel,

length of stay and any pre-existing medical conditions. Just as no two people are the same, travel insurance policies differ so it’s important to match up the right type of policy for your individual needs.

M

Premium Changes 2010-2011 # of products Average Premium Increase 48 Average Premium Decrease 31

No Change 78 New Products 21

O

A

DID YOU KNOW? Each year, Australia’s Department of Foreign Affairs and Trade handles:

Over 25,000 cases involving Australians in difficulty overseas, including

1,200 hospitalisations

900 deaths

50 evacuations of Australians to another location for medical purposes

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YOUR GUIDE TO PRODUCT EXCELLENCE 3

In this, our third annual star ratings comparison, we look at three types of travel insurance policies:

Comprehensive – the all-in-one package favoured by most travelers. Medical – covers only illness and accidents, used by backpackers etc. Domestic – covers only theft etc, no medical coverage within Australia.

WHO PROVIDES OUTSTANDING VALUE?

ot surprisingly, price is a strong deciding factor for people choosing travel insurance, particularly in the domestic and medical-only areas. However, it’s no good having a cheap policy if it doesn’t cover you when it counts.

The trick is to marry up the right price with level of coverage to determine true value when it comes to the crunch.

At CANSTAR CANNEX we assessed: • 42 travel insurance brands • 174 comprehensive travel insurance policies • 18 medical only travel insurance policies • 41 domestic travel insurance policies

For comprehensive travel insurance, we looked for the right balance between price and features. For domestic and medical-only travel insurance, we balanced price with a more limited number of features. For example, hospital cover is excluded on domestic insurance and personal items are excluded on medical-only insurance. Congratulations to the winners of our annual travel insurance star rating awards.

N

International Travel Insurance

Southern Cross Travel Insurance: • Cheapest average premiums for most

destinations • High item limits, eg.$2,000 unspecified item • $5,000 for laptops • Can pay up to 2% of item value to cover items

Columbus Direct: • Have introduced a “Premium” product in the last 12

months • Offer policies for people aged up to 84 • Helpline accepts reverse charges • Competitive luggage and personal effects daily limits

Domestic Travel Insurance

Virgin Australia: • Covers unlimited cancellation charges • Up to $5k for all claims, including up to $3,000 per

item for electronic equipment • $3,000 rental vehicle excess • $5m legal liability

SkyCover: • Covers $5,000 per person for luggage & personal

effects • Unlimited cover – cancellations fees, lost deposits • Up to $1,000 per person travel delay allowance • $2,500 cover for car rental excess

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YOUR GUIDE TO PRODUCT EXCELLENCE 4

COPYRIGHT© CANSTAR CANNEX Pty Ltd ABN 21 053 646 165, 2008. The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR CANNEX or not, unless with prior written permission from CANSTAR CANNEX, which if provided, may be provided on conditions.

OUR SAMPLE COUNTRIES

OUR SAMPLE TRAVELLERS

We then took our sample travellers to different destinations to compare which travel insurance policies offered better value in different parts of the world.

Not all travellers are the same and not all have the same requirements. We

looked at three common traveller profiles – the single adult person, a

couple, based on two adults who travel together, and a family consisting of two

adults and their two children.

Medical Travel Insurance

iTrek: • 2 cover options, Silver & Bronze, for budget conscious • Both include unlimited medical cover, • $1m legal liability, up to $5k hospital cash allowance • Silver - up to $10k fee cancellations, loss of deposits Zuji: • Offers specific ‘Medical Only’ Policy • Lowest premiums for all destinations • Unlimited cover for overseas medical, hospital and

evacuation costs

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YOUR GUIDE TO PRODUCT EXCELLENCE 5

DISCLAIMER To the extent that any CANSTAR CANNEX data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR CANNEX Pty Ltd ABN 21 053 646 165 AFSL 312804 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR CANNEX recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR CANNEX acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR CANNEX’s FSG for more information at www.canstarcannex.com.au.

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Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ATravel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Budget Cover Unlimited Unlimited Unlimited30000 600 200030000 10000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 1Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 2Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 250Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/A

travel insurance star ratings 2011 - page 3Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0QBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ASURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

travel insurance star ratings 2011 - page 4Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Good2Go - Silver International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/A

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200

travel insurance star ratings 2011 - page 5Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ABudget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0CGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 6Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100020000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 300010000 3000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Budget Cover Unlimited Unlimited Unlimited30000 600 200030000 10000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 1500 200015000 30000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 1500 400040000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 30000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500

travel insurance star ratings 2011 - page 7Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/ANRMA - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/ANRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/AWorld Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/A

Australian Unity - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/AAustralian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - Economy Plan Unlimited 250000 2000600000 500 50020000 7000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 8Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AChartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000

travel insurance star ratings 2011 - page 9Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 10Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Couple Travelling to New Zealand

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100020000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 300010000 3000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 1500 200015000 30000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 1500 400040000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 30000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250

travel insurance star ratings 2011 - page 11Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Australian Unity - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/AAustralian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - Economy Plan Unlimited 250000 2000600000 500 50020000 7000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/ANRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 12Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200

travel insurance star ratings 2011 - page 13Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0NRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 14Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500Good2Go - Silver International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 15Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 16Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/A

travel insurance star ratings 2011 - page 17Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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CGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AChartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 30000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 30000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 18Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Nil

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50030000 3000 1000Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/A

Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/ANational Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600050000 30000 400RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250

travel insurance star ratings 2011 - page 19Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Couple Travelling to United States

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SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

travel insurance star ratings 2011 - page 20Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ATravel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400030000 10000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250HBF Insurance - Budget Cover Unlimited Unlimited Unlimited30000 600 200030000 10000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500

travel insurance star ratings 2011 - page 21Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 22Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 250insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400050000 16000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/A

travel insurance star ratings 2011 - page 23Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0QBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ASURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

travel insurance star ratings 2011 - page 24Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500Good2Go - Silver International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400030000 10000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 25Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ABudget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0CGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 26Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to Fiji

Nil

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100020000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/AVirgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 400020000 6000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250HBF Insurance - Budget Cover Unlimited Unlimited Unlimited30000 600 200030000 10000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 1500 200015000 30000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 1500 400040000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250

travel insurance star ratings 2011 - page 27Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to Fiji

Nil

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Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Australian Unity - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/AAustralian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - Economy Plan Unlimited 250000 2000600000 500 50020000 7000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/ANRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/AWorld Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/A

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 28Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to France

Nil

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400050000 16000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200

travel insurance star ratings 2011 - page 29Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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CGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ASURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

travel insurance star ratings 2011 - page 30Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to New Zealand

Nil

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Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100020000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/AVirgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 400020000 6000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 1500 200015000 30000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 1500 400040000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250ING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400

travel insurance star ratings 2011 - page 31Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Nil

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Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/ANRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/AWorld Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/A

Australian Unity - Economy Plan unlimited 250000 2000600000 500 50020000 7000 N/AAustralian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - Economy Plan Unlimited 250000 2000600000 500 50020000 7000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 32Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to South Africa

Nil

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400050000 16000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 33Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to South Africa

Nil

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0QBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 34Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Family Travelling to Thailand

Nil

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1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Good2Go - Silver International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400030000 10000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 35Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Standard unlimited 60000 2000600000 500 200030000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Standard Unlimited 600000 2000600000 500 200030000 10000 N/ANRMA - International Standard unlimited 600000 2000600000 500 200030000 10000 N/A

travel insurance star ratings 2011 - page 36Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300050000 30000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200036000 30000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Good2Go - Gold International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400050000 16000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited30000 1500 400040000 20000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200036000 60000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

travel insurance star ratings 2011 - page 37Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/ACGU - International Super Unlimited Unlimited 2000Unlimited 800 300050000 20000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super unlimited unlimited 2000unlimited 8000 300050000 20000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300050000 60000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/ANRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/A

travel insurance star ratings 2011 - page 38Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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itrek - Platinum Unlimited Unlimited 1000Unlimited 1500 600030000 10000 500Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600050000 30000 200Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Webjet - Essential Cover 10000 10000000 50010000000 250 50030000 3000 1000

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 15000 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip STANDARD 20000 25000000 200012500000 750 3000100000 12000 1000Insure and Go - One Trip- Platinum 30000 Unlimited 500Unlimited 1500 250060000 15000 500insure4less - Essentials 5000 20000000 50020000000 0 250N/A 5000 250itrek - Gold 30000 Unlimited 1000Unlimited 1500 600030000 10000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300050000 15000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 1000Unlimited 750 300050000 12000 500

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 3000N/A 4000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600050000 30000 500AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400050000 16000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400050000 20000 250Budget Direct - Bronze 10000 Unlimited 500Unlimited 750 30000 4000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300040000 10000 250Budget Direct - Silver 20000 Unlimited 500Unlimited 750 30000 6000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 16000 250Columbus Direct - Single-Trip PREMIER 30000 40000000 400040000000 750 3000150000 15000 2000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited40000 1500 600050000 30000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 1500 600050000 30000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 250Insure and Go - One Trip- Gold 15000 10000000 50010000000 1000 100050000 10000 0insure4less - Excel 10000 20000000 50020000000 0 50020000 7000 500insure4less - Excel Plus 15000 20000000 50020000000 0 200040000 10000 1000Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300050000 15000 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300050000 15000 500RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 24000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300050000 10000 400Suncorp - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400050000 24000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 2000Unlimited 1000 400050000 12000 500World Nomads - World Wide 20000 10000000 5001000000 250 N/AN/A 5000 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 10000 250

Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 1200 600050000 30000 1000National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A50000 15000 250National Seniors - Silver International 20000 Unlimited 500Unlimited 750 300020000 10000 0NRMA - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 6000100000 60000 800

travel insurance star ratings 2011 - page 39Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300050000 24000 250SURESAVE - Budget 40000 Unlimited 1000Unlimited 250 250N/A 5000 N/A

ANZ - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200Australian Unity - International Super Plus unlimited unlimited 2000unlimited 1000 400050000 24000 N/ACGU - International Super Plus Unlimited Unlimited 2000Unlimited 1000 400050000 24000 N/AING - International Travel Plan Unlimited Unlimited 4000Unlimited 700 600050000 30000 200SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400050000 24000 250

travel insurance star ratings 2011 - page 40Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ATravel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Budget Cover Unlimited Unlimited Unlimited15000 300 100015000 5000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited15000 750 200020000 10000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 300 100015000 15000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 750 200020000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

travel insurance star ratings 2011 - page 41Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/AWorld Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

Australian Unity - International Standard unlimited 300000 1000300000 500 200015000 5000 N/ACGU - International Standard Unlimited 300000 1000300000 500 200015000 5000 N/ANRMA - International Standard unlimited 300000 1000300000 500 200015000 5000 N/A

travel insurance star ratings 2011 - page 42Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to Brazil

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insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500HCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

travel insurance star ratings 2011 - page 43Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ACGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/AChartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0NRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ASURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

Australian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/A

travel insurance star ratings 2011 - page 44Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000

American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250Good2Go - Silver International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250ING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250

travel insurance star ratings 2011 - page 45Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ABudget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0CGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/ANRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

Australian Unity - International Standard unlimited 300000 1000300000 500 200015000 5000 N/ACGU - International Standard Unlimited 300000 1000300000 500 200015000 5000 N/ANRMA - International Standard unlimited 300000 1000300000 500 200015000 5000 N/A

travel insurance star ratings 2011 - page 46Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to Fiji

Nil

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Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100010000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ATravel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 300010000 3000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Super Cover Unlimited Unlimited Unlimited15000 750 200020000 10000 N/AHCF - Budget Unlimited Unlimited UnlimitedUnlimited 300 100015000 15000 0HCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 750 200020000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250ING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/AQBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250

travel insurance star ratings 2011 - page 47Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to Fiji

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Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

Australian Unity - Economy Plan unlimited 100000 1000300000 500 50010000 3500 N/AAustralian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - Economy Plan Unlimited 100000 1000300000 500 50010000 3500 N/ACGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/AHBF Insurance - Budget Cover Unlimited Unlimited Unlimited15000 300 100015000 5000 N/AHBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/ANRMA - Economy Plan unlimited 100000 1000300000 500 50010000 3500 N/ANRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/AWorld Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

Australian Unity - International Standard unlimited 300000 1000300000 500 200015000 5000 N/ACGU - International Standard Unlimited 300000 1000300000 500 200015000 5000 N/ANRMA - International Standard unlimited 300000 1000300000 500 200015000 5000 N/A

travel insurance star ratings 2011 - page 48Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to France

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1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500Good2Go - Gold International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0QBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

travel insurance star ratings 2011 - page 49Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to France

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ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200CGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/A

travel insurance star ratings 2011 - page 50Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250Ouch - C Travel Plan Unlimited Unlimited UnlimitedUnlimited 400 100010000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Good2Go - Bronze International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ATravel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Economy Unlimited Unlimited 1000Unlimited 750 300010000 3000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited15000 750 200020000 10000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 750 200020000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250ING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/AQBE - C Travel Plan unlimited unlimited unlimitedunlimited 1000 100020000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200

travel insurance star ratings 2011 - page 51Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ABudget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0CGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/ANRMA - Economy Plan unlimited 100000 1000300000 500 50010000 3500 N/ANRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/AWorld Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

Australian Unity - Economy Plan unlimited 100000 1000300000 500 50010000 3500 N/AAustralian Unity - International Standard unlimited 300000 1000300000 500 200015000 5000 N/ACGU - Economy Plan Unlimited 100000 1000300000 500 50010000 3500 N/ACGU - International Standard Unlimited 300000 1000300000 500 200015000 5000 N/ANRMA - International Standard unlimited 300000 1000300000 500 200015000 5000 N/A

travel insurance star ratings 2011 - page 52Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500Good2Go - Gold International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

travel insurance star ratings 2011 - page 53Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ACGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/AWestpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250

Australian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/A

travel insurance star ratings 2011 - page 54Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500Good2Go - Silver International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Worldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Standard Unlimited Unlimited 1000Unlimited 750 400015000 5000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited15000 750 200020000 10000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 750 200020000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250

travel insurance star ratings 2011 - page 55Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/A

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

Australian Unity - International Standard unlimited 300000 1000300000 500 200015000 5000 N/ACGU - International Standard Unlimited 300000 1000300000 500 200015000 5000 N/ANRMA - International Standard unlimited 300000 1000300000 500 200015000 5000 N/A

travel insurance star ratings 2011 - page 56Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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1Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - A Travel Plan Unlimited Unlimited UnlimitedUnlimited 600 300025000 15000 N/AOuch - B Travel Plan Unlimited Unlimited UnlimitedUnlimited 500 200018000 15000 N/ASouthern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500Good2Go - Gold International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/AHBF Insurance - Super Cover Unlimited Unlimited Unlimited15000 750 200020000 10000 N/AHCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HCF - Super Unlimited Unlimited UnlimitedUnlimited 750 200020000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250QBE - B Travel Plan unlimited unlimited unlimitedunlimited 1000 200018000 15000 N/ARAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

travel insurance star ratings 2011 - page 57Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Comprehensive Travel Insurance for Single Travelling to UK

Nil

Exce

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Avai

labl

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Overseas Medical Personal Belonging

travel insurance star ratings

Can

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Fees

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CGU - International Super Unlimited Unlimited 1000Unlimited 800 300050000 10000 N/AChartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500ING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200National Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0NRMA - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AQBE - A Travel Plan unlimited unlimited unlimitedunlimited 1000 300025000 15000 N/AQBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/ASURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

Australian Unity - International Super unlimited unlimited 1000unlimited 800 300050000 10000 N/AAustralian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/ANRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/A

travel insurance star ratings 2011 - page 58Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Rep

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Comprehensive Travel Insurance for Single Travelling to United States

Nil

Exce

ss

Avai

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Overseas Medical Personal Belonging

travel insurance star ratings

Can

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Fees

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itrek - Platinum Unlimited Unlimited 500Unlimited 750 300015000 5000 250Online Travel Insurance - Comprehensive - International Unlimited Unlimited 500Unlimited 750 300025000 5000 250Ouch - Premier Plus Extras Unlimited Unlimited UnlimitedUnlimited 700 600025000 15000 200Southern Cross Travel Insurance - TravelCare-World,NZ, 50000 unlimited 750unlimited 2000 5000100000 25000 1000Virgin Blue - Comprehensive International Unlimited Unlimited 2000Unlimited 750 300025000 5000 250

1300 Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 7500 2501Cover Direct Insurance - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250Columbus Direct - Single-Trip STANDARD 10000 12500000 100012500000 750 300050000 6000 500Insure and Go - One Trip- Platinum 15000 Unlimited 500Unlimited 750 125030000 7500 250insure4less - Essentials 2500 10000000 50010000000 0 250N/A 2500 125itrek - Gold 15000 Unlimited 500Unlimited 750 300015000 5000 0MyCover - Comprehensive International - Plan A Unlimited Unlimited 500Unlimited 750 300025000 7500 250Travel Insurance Direct - Plan A World Wide Holiday Unlimited Unlimited 500Unlimited 700 400025000 12000 250Webjet - Essential Cover 5000 5000000 5005000000 250 50015000 1500 500Zuji - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

1Cover Direct Insurance - Essentials N/A Unlimited 500Unlimited 750 2000N/A 2000 0AAMI - International Travel unlimited unlimited unlimitedunlimited 700 300012000American Express - Comprehensive (international) Unlimited Unlimited 4000Unlimited 1000 600025000 15000 250AussieTravelCover - PlanA-Super Unlimited Unlimited 1000Unlimited 750 400025000 8000 250AussieTravelCover - PlanA-Super Plus Unlimited Unlimited 1000Unlimited 750 400025000 10000 250Budget Direct - Bronze 5000 Unlimited 500Unlimited 750 30000 2000 0Budget Direct - Platinum Unlimited Unlimited 500Unlimited 750 300020000 5000 250Budget Direct - Silver 10000 Unlimited 500Unlimited 750 30000 3000 0CHI - PlanA-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 8000 250Columbus Direct - Single-Trip PREMIER 15000 20000000 200020000000 750 300075000 7500 1000Good2Go - Platinum International Unlimited Unlimited 2000Unlimited 600 300025000 15000 500HCF - Gold Unlimited Unlimited UnlimitedUnlimited 750 300025000 15000 0HSBC - Comprehensive Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250Insure and Go - One Trip- Gold 7500 5000000 5005000000 500 50025000 5000 0insure4less - Excel 5000 10000000 50010000000 0 50010000 3500 250insure4less - Excel Plus 7500 10000000 50010000000 0 200020000 5000 500Medibank Private - Comprehensive (International) Unlimited Unlimited 500Unlimited 750 300025000 7500 250nab - International Cover Unlimited Unlimited 500Unlimited 750 300025000 7500 250National Seniors - Silver International 10000 Unlimited 500Unlimited 750 300010000 5000 0RAC - Plan A-Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACQ - Plan A - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 12000 250RACV - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 12000 250Skycover - Comprehensive International Unlimited Unlimited 500Unlimited 750 300025000 5000 200Suncorp - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250Webjet - International Single Trip Unlimited Unlimited 500Unlimited 750 300025000 5000 250Westpac - Single Trip Travel Insurance Unlimited Unlimited 1000Unlimited 700 300025000 6000 250World Nomads - World Wide 10000 5000000 500500000 250 N/AN/A 2500 N/AWorldcare - Comprehensive Unlimited Unlimited 500Unlimited 750 300025000 5000 250

Chartis - Platinum, Gold, Silver, Bronze Unlimited Unlimited 2000Unlimited 600 300025000 15000 500HBF Insurance - Gold Cover Unlimited Unlimited Unlimited20000 750 300025000 15000 N/ANational Seniors - Premium Gold International Unlimited Unlimited 500Unlimited 750 N/A25000 7500 250NRMA - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/A

travel insurance star ratings 2011 - page 59Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Rep

atria

tion

&

Eva

cuat

ion

Comprehensive Travel Insurance for Single Travelling to United States

Nil

Exce

ss

Avai

labl

e

Overseas Medical Personal Belonging

travel insurance star ratings

Can

cella

tion

Fees

Cov

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QBE - Premium Plus Extra unlimited unlimited unlimitedunlimited 1000 600025000 15000 200SURESAVE - Budget 20000 Unlimited 1000Unlimited 250 250N/A 2500 N/A

ANZ - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200Australian Unity - International Super Plus unlimited unlimited 1000unlimited 1000 400050000 12000 N/ACGU - International Super Plus Unlimited Unlimited 1000Unlimited 1000 400050000 12000 N/AING - International Travel Plan Unlimited Unlimited 2000Unlimited 700 600025000 15000 200SURESAVE - Holiday Unlimited Unlimited 1000Unlimited 700 400025000 12000 250

travel insurance star ratings 2011 - page 60Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to Bali

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

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Bagg

age

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hour

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l Dea

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itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 1Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to Brazil

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

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hour

sA

ccid

enta

l Dea

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Cov

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itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 7500 5000000 5005000000 0

travel insurance star ratings 2011 - page 2Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to China

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

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Exte

nd tr

avel

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itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Silver 7500 5000000 5005000000 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 3Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to Fiji

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 4Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to France

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 5Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to New Zealand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 6Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to South Africa

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0

HSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

travel insurance star ratings 2011 - page 7Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to Thailand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Silver 7500 5000000 5005000000 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 8Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

Page 74: IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel insurance brands ... To avoid becoming a holiday horror story, the best advice you can

Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to UK

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 9Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Couple Travelling to United States

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

itrek - Bronze 0 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 7500 5000000 5005000000 0

travel insurance star ratings 2011 - page 10Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to Bali

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 500100000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 11Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to Brazil

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Silver 7500 5000000 5005000000 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

travel insurance star ratings 2011 - page 12Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to China

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 13Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to Fiji

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 500100000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 14Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to France

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 15Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to New Zealand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Webjet - Medical Only N/A Unlimited 500100000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 16Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to South Africa

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

travel insurance star ratings 2011 - page 17Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

Page 83: IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel insurance brands ... To avoid becoming a holiday horror story, the best advice you can

Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to Thailand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AInsure and Go - One Trip- Silver 7500 5000000 5005000000 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 18Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

Page 84: IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel insurance brands ... To avoid becoming a holiday horror story, the best advice you can

Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to UK

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 1000Unlimited 30000Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Silver 20000 Unlimited 1000Unlimited 30000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0Insure and Go - One Trip- Silver 7500 5000000 5005000000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 19Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Family Travelling to United States

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Zuji - Medical Only N/A Unlimited 1000Unlimited 50000

itrek - Bronze 0 Unlimited 1000Unlimited 30000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 2000 2000000 5002000000 0itrek - Silver 20000 Unlimited 1000Unlimited 30000National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 500100000 N/A

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Silver 7500 5000000 5005000000 0

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

travel insurance star ratings 2011 - page 20Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

Page 86: IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel insurance brands ... To avoid becoming a holiday horror story, the best advice you can

Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to Bali

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 0HSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Silver 3750 2500000 5002500000 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 21Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

Page 87: IN THIS REPORTmedia.nzherald.co.nz/webcontent/document/pdf/201151/travel-insur… · 42 travel insurance brands ... To avoid becoming a holiday horror story, the best advice you can

Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to Brazil

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Zuji - Medical Only N/A Unlimited 500Unlimited 25000

itrek - Bronze 0 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0

travel insurance star ratings 2011 - page 22Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to China

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0

travel insurance star ratings 2011 - page 23Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to Fiji

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AInsure and Go - One Trip- Silver 3750 2500000 5002500000 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 24Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to France

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 25Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to New Zealand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Webjet - Medical Only N/A Unlimited 50050000 N/A

1300 Insurance - Budget N/A Unlimited 500Unlimited 01Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AInsure and Go - One Trip- Silver 3750 2500000 5002500000 0National Seniors - Bronze International N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

travel insurance star ratings 2011 - page 26Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to South Africa

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

1300 Insurance - Budget N/A Unlimited 500Unlimited 0itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

itrek - Silver 10000 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

travel insurance star ratings 2011 - page 27Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to Thailand

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Worldcare - Budget N/A Unlimited 500Unlimited 0

AussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/ACHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ANational Seniors - Bronze International N/A Unlimited 500Unlimited 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0

travel insurance star ratings 2011 - page 28Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to UK

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

itrek - Bronze 0 Unlimited 500Unlimited 15000Zuji - Medical Only N/A Unlimited 500Unlimited 25000

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0itrek - Silver 10000 Unlimited 500Unlimited 15000National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/AInsure and Go - One Trip- Bronze 1000 1000000 5001000000 0RACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/A

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0

travel insurance star ratings 2011 - page 29Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Overseas Dental Cover

Company Name - Product Name

24 h

r H

elpl

ine

Overseas Hospital

Repatriation & Evacuation

Medical Travel Insurance for Single Travelling to United States

Nil

Exce

ss

Avai

labl

e

Overseas Medical

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

Exte

nd tr

avel

w

hils

t abr

oad

1300 Insurance - Budget N/A Unlimited 500Unlimited 0Zuji - Medical Only N/A Unlimited 500Unlimited 25000

itrek - Bronze 0 Unlimited 500Unlimited 15000Medibank Private - Budget Cover N/A Unlimited 500Unlimited 0MyCover - Budget Cover - Plan C N/A Unlimited 500Unlimited 0

1Cover Direct Insurance - Basics N/A Unlimited 500Unlimited N/AAussieTravelCover - PlanD-Budget International N/A Unlimited 1000Unlimited N/AHSBC - Budget Cover N/A Unlimited 500Unlimited 0Insure and Go - One Trip- Bronze 1000 1000000 5001000000 0itrek - Silver 10000 Unlimited 500Unlimited 15000National Seniors - Bronze International N/A Unlimited 500Unlimited 0RAC - Plan D Essentials N/A Unlimited 500Unlimited 0RACV - Medical Only Cover (International) N/A Unlimited 500Unlimited 0Webjet - Medical Only N/A Unlimited 50050000 N/A

CHI - PlanC-Budget Rescue Medical N/A Unlimited 500Unlimited N/ARACQ - Plan D - Essentials N/A Unlimited 500Unlimited N/AWorldcare - Budget N/A Unlimited 500Unlimited 0

Insure and Go - One Trip- Silver 3750 2500000 5002500000 0

travel insurance star ratings 2011 - page 30Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Company Name - Product Name

24 h

r H

elpl

ine

Item

Lim

it U

nspe

ficie

d

Item

Lim

it La

ptop

Theft of Cash p/p

Luggage/ Personal Effect p/p

Comprehensive Travel Insurance for Couple Travelling within Australia

Nil

Exce

ss

Avai

labl

e

Personal Belonging

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

MyCover - Australia Only - Plan B Unlimited 750 300050000 015000Skycover - Domestic Unlimited 750 300050000 010000Virgin Blue - Comprehensive Domestic Unlimited 750 300025000 05000

1300 Insurance - Australia Only Unlimited 750 300050000 0150001Cover Direct Insurance - Domestic Unlimited 750 300050000 010000Columbus Direct - Single-Trip PREMIER 30000 750 3000150000 200015000Columbus Direct - Single-Trip STANDARD 20000 750 3000100000 100012000Medibank Private - Australia Only Unlimited 750 300025000 07500Ouch - Australian Plus Travel Plan 70+ 10000 500 100010000 N/A4000

AussieTravelCover - Australian Snow Holiday 20000 750 40005000 N/A2000AussieTravelCover - PlanC-Domestic 20000 750 20005000 02000Budget Direct - Australia Platinum Unlimited 750 300020000 05000Budget Direct - Australia Silver 5000 750 30000 03000HBF Insurance - Domestic Cover 20000 600 100020000 N/A8000HCF - Domestic 20000 600 100020000 08000HSBC - Domestic Cover Unlimited 750 300025000 07500insure4less - Excel 10000 0 50020000 5007000insure4less - Excel Plus 15000 0 200040000 100010000nab - Domestic Cover Unlimited 750 300025000 07500National Seniors - Comprehensive Australia Unlimited 750 300025000 07500Online Travel Insurance - Comprehensive - Domestic Unlimited 750 300025000 05000Ouch - Australian Plus Travel Plan 20000 500 100020000 N/A8000RAC - Plan B Australian Domestic Unlimited 750 300050000 N/A24000RACQ - Plan B Australian Domestic Unlimited 750 300050000 024000Suncorp - Single Trip Travel Insurance Unlimited 1000 400050000 50012000Travel Insurance Direct - Plan D Australia Only 20000 700 4000N/A 2508000Westpac - Single Trip Travel Insurance Unlimited 1000 400050000 50012000Worldcare - Australia Only Unlimited 750 300050000 010000Zuji - Australia Only Unlimited 750 300050000 010000

ANZ - Australia Travel Plan 20000 500 100020000 N/A8000Australian Unity - Australian unlimited 500 50020000 N/A5000CGU - Australian Unlimited 500 50020000 N/A5000ING - Australia Travel Plan 20000 500 100020000 N/A8000insure4less - Essentials 5000 0 250N/A 2505000NRMA - Australian unlimited 500 50020000 N/A5000Ouch - Australian Cruising plan 20000 500 100020000 N/A6000SURESAVE - Domestic 20000 700 400020000 2508000

QBE - Australian Basics 15000 300 75010000 N/A3000QBE - Australian Cruising 20000 500 100020000 N/A6000QBE - Australian Plus 20000 500 100020000 N/A8000

travel insurance star ratings 2011 - page 1Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Company Name - Product Name

24 h

r H

elpl

ine

Item

Lim

it U

nspe

ficie

d

Item

Lim

it La

ptop

Theft of Cash p/p

Luggage/ Personal Effect p/p

Comprehensive Travel Insurance for Family Travelling within Australia

Nil

Exce

ss

Avai

labl

e

Personal Belonging

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

1300 Insurance - Australia Only Unlimited 750 300050000 015000Skycover - Domestic Unlimited 750 300050000 010000Virgin Blue - Comprehensive Domestic Unlimited 750 300025000 05000

1Cover Direct Insurance - Domestic Unlimited 750 300050000 010000Columbus Direct - Single-Trip PREMIER 30000 750 3000150000 200015000Columbus Direct - Single-Trip STANDARD 20000 750 3000100000 100012000Medibank Private - Australia Only Unlimited 750 300050000 015000Online Travel Insurance - Comprehensive - Domestic Unlimited 750 300025000 05000Westpac - Single Trip Travel Insurance Unlimited 1000 400050000 50012000

AussieTravelCover - Australian Snow Holiday 40000 750 400010000 N/A4000AussieTravelCover - PlanC-Domestic 40000 750 400010000 04000Budget Direct - Australia Platinum Unlimited 750 300040000 010000Budget Direct - Australia Silver 10000 750 30000 06000HBF Insurance - Domestic Cover 20000 600 100020000 N/A8000HCF - Domestic 20000 600 100020000 08000HSBC - Domestic Cover Unlimited 750 300050000 015000insure4less - Essentials 5000 0 250N/A 2505000insure4less - Excel 10000 0 50020000 5007000insure4less - Excel Plus 15000 0 200040000 100010000MyCover - Australia Only - Plan B Unlimited 750 300050000 015000nab - Domestic Cover Unlimited 750 300050000 015000National Seniors - Comprehensive Australia Unlimited 750 300050000 015000Ouch - Australian Plus Travel Plan 20000 500 100020000 N/A8000Ouch - Australian Plus Travel Plan 70+ 10000 500 100010000 N/A4000RAC - Plan B Australian Domestic Unlimited 750 300050000 N/A24000RACV - Australia Only Unlimited 750 300050000 N/A24000Suncorp - Single Trip Travel Insurance Unlimited 1000 400050000 50012000SURESAVE - Domestic 20000 700 400020000 2508000Travel Insurance Direct - Plan D Australia Only 20000 700 4000N/A 2508000Worldcare - Australia Only Unlimited 750 300050000 010000Zuji - Australia Only Unlimited 750 300050000 010000

ANZ - Australia Travel Plan 20000 500 100020000 N/A8000Australian Unity - Australian unlimited 500 50020000 N/A5000CGU - Australian Unlimited 500 50020000 N/A5000ING - Australia Travel Plan 20000 500 100020000 N/A8000NRMA - Australian unlimited 500 50020000 N/A5000Ouch - Australian Cruising plan 20000 500 100020000 N/A6000

QBE - Australian Basics 15000 300 75010000 N/A3000QBE - Australian Cruising 20000 500 100020000 N/A6000QBE - Australian Plus 20000 500 100020000 N/A8000

travel insurance star ratings 2011 - page 2Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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Company Name - Product Name

24 h

r H

elpl

ine

Item

Lim

it U

nspe

ficie

d

Item

Lim

it La

ptop

Theft of Cash p/p

Luggage/ Personal Effect p/p

Comprehensive Travel Insurance for Single Travelling within Australia

Nil

Exce

ss

Avai

labl

e

Personal Belonging

Travel Insurance Star Ratings

Can

cella

tion

Fees

Cov

e r

Bagg

age

Del

ay

<24

hour

sA

ccid

enta

l Dea

th

Cov

er p

/p

1300 Insurance - Australia Only Unlimited 750 300025000 07500Skycover - Domestic Unlimited 750 300025000 05000Virgin Blue - Comprehensive Domestic Unlimited 750 300025000 05000

1Cover Direct Insurance - Domestic Unlimited 750 300025000 05000Columbus Direct - Single-Trip PREMIER 15000 750 300075000 10007500Columbus Direct - Single-Trip STANDARD 10000 750 300050000 5006000Medibank Private - Australia Only Unlimited 750 300025000 07500nab - Domestic Cover Unlimited 750 300025000 07500Online Travel Insurance - Comprehensive - Domestic Unlimited 750 300025000 05000

AussieTravelCover - Australian Snow Holiday 20000 750 40005000 N/A2000AussieTravelCover - PlanC-Domestic 20000 750 20005000 02000Budget Direct - Australia Platinum Unlimited 750 300020000 05000Budget Direct - Australia Silver 5000 750 30000 03000HBF Insurance - Domestic Cover 10000 300 50010000 N/A4000HCF - Domestic 10000 300 50010000 04000HSBC - Domestic Cover Unlimited 750 300025000 07500insure4less - Essentials 2500 0 250N/A 1252500insure4less - Excel 5000 0 50010000 2503500insure4less - Excel Plus 7500 0 200020000 5005000MyCover - Australia Only - Plan B Unlimited 750 300025000 07500National Seniors - Comprehensive Australia Unlimited 750 300025000 07500Ouch - Australian Plus Travel Plan 10000 500 100010000 N/A4000Ouch - Australian Plus Travel Plan 70+ 10000 500 100010000 N/A4000RAC - Plan B Australian Domestic Unlimited 750 300025000 N/A12000RACQ - Plan B Australian Domestic Unlimited 750 300025000 012000RACV - Australia Only Unlimited 750 300025000 N/A12000Suncorp - Single Trip Travel Insurance Unlimited 700 300025000 2506000SURESAVE - Domestic 10000 700 400010000 2504000Travel Insurance Direct - Plan D Australia Only 10000 700 4000N/A 2504000Westpac - Single Trip Travel Insurance Unlimited 700 300025000 2506000Worldcare - Australia Only Unlimited 750 300025000 05000Zuji - Australia Only Unlimited 750 300025000 05000

ANZ - Australia Travel Plan 10000 500 100010000 N/A4000Australian Unity - Australian unlimited 500 50010000 N/A2500CGU - Australian Unlimited 500 50010000 N/A2500ING - Australia Travel Plan 10000 500 100010000 N/A4000NRMA - Australian unlimited 500 50010000 N/A2500Ouch - Australian Cruising plan 10000 500 100010000 N/A3000

QBE - Australian Basics 7500 300 7505000 N/A1500QBE - Australian Cruising 10000 500 100010000 N/A3000QBE - Australian Plus 10000 500 100010000 N/A4000

travel insurance star ratings 2011 - page 3Report Date: September 2011, (All information is correct as at August 2011)p/p - per policy

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What are the CANSTAR CANNEX travel insurance star ratings?

CANSTAR CANNEX travel insurance star ratings is a sophisticated rating methodology, unique to CANSTAR CANNEX,

that compares the dominant travel insurance products in Australia.

The results are reflected in a consumer-friendly 5-star concept, with 5 stars signifying outstanding value offered by the

product.

How does it work?

How are the ‘stars’ calculated?

Each travel insurance product reviewed for the CANSTAR CANNEX travel insurance star ratings is awarded points for its

comparative Pricing and for the array of positive Features attached to the product. Points are aggregated to achieve a

Pricing score (P) and a Features score (F).

What are the CANSTAR CANNEX travel insurance awards?

In conjunction with the travel insurance star ratings, CANSTAR CANNEX has awarded three separate awards to the

insurers who provide outstanding value in the following categories –

International Travel Insurance

Domestic Travel insurance

Medical-only Travel Insurance

These are awarded to the insurers that provide the best combination of products across the travel insurance star ratings

profiles, as well as excelling in a range of travel destinations and features. The awards aim to give recognition to those

insurers who offer quality products with desirable features to travelers in a particular category.

AWARDS TO INSTITUTIONS

METHODOLOGY

Based on 30 star ratings profiles 3 consumer profiles 10 country destinations

Based on 30 star ratings profiles 3 consumer profiles 10 country destinations

Based on 3 star ratings consumer profiles

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Profiles

Who?

Where?

Asia : China, Bali, Thailand Australia Europe : UK, France Pacific : New Zealand, Fiji Worldwide : USA, Brazil, South Africa

Type of Cover

Overall Methodology

Pricing Score (60%)

Feature Score (40%)

Average Premium Based on three different period of

travel

Product Features Based on 13 different feature

categories

Indexed Score Product with the best pricing or features

will receive a full score

Policy Conditions

Policy Inclusions

Single Family

Asia Pacific Europe Australia Worldwide

Couple

Comprehensive Medical (International Only)

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Pricing Score Pricing score for each profile is based on guidelines outlined below. A same excess amount will be chosen to ensure fair

comparison between providers.

Type of insured person:

Single – based on one adult 40 years old

Couple – based on two adults < 50 years old

Family – based on two adults < 50 years old and two dependants 15 years old

Destination (three destinations per area category – except Australia):

Asia – China, Japan, Thailand

Australia – all states

Europe – UK, France,

Pacific – Fiji, New Zealand

Worldwide – USA, South Africa, Brazil

Length of travel

Table 1. Length of travel

Profile Period of travel

Days 9 days

Weeks 21 days

Months 42 days

Feature Score Based on 12 feature categories as shown on table 2 below

Table 2.

Comprehensive (Int) Comprehensive (Dom) Medical Only (Int)

Policy Conditions 15% 15% 20%

Policy Inclusions 85% 85% 80%

Policy Conditions Comprehensive (Int) Comprehensive (Dom) Medical Only (Int)

Definitions 33.3% 33.3% 25%

Policy Flexibility 33.3% 33.3% 25%

Claim Processes 33.3% 33.3% 50%

total 100% 100% 100%

Policy Inclusions Comprehensive (Int) Comprehensive (Dom) Medical Only (Int)

Overseas Medical & Dental 40% - 83%

Luggage and Travel Documents 17% 25% -

Cancellation Fees & Loss of Deposit 17% 35% -

Emergency Travel Arrangements 6% 6% -

Rental Vehicle Cover 6% 18% -

Accidental Death, Disability & Loss of Income 1% 1.5% 1.5%

Legal Liability 1% 1.5% 1.5%

Domestic 1% 1%

Other inclusions 5% 5% 7%

Scenarios 6% 7% 7%

total 100% 100% 100%

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Policy Conditions Description

Definitions Definition on covers, eg. definition of dependents, pre-existing medical condition, etc

Policy Flexibility Nil excess, adjustable excess, extend travel period, extra cover for paying extra

Claims Process Claim online, claim over the phone, 24hr helpline, helpline accept reverse charge calls

Policy Inclusions Description

Overseas Medical & Dental Level of covers on medical and dental related issue

Luggage and Travel Documents Level of covers on personal belonging

Cancellation Fees & Loss of Deposit Level of covers on administrative related fees

Emergency Travel Arrangements Level of covers on unexpected changes during period of travel

Rental Vehicle Cover Level of covers on rental vehicle excess

Accidental Death, Disability & Loss of Income Level of covers on death, disability and loss of income

Legal Liability Level of covers on legal liability

Domestic Level of covers for domestic related issues, eg. domestic pets

Other inclusions Other inclusions, eg. rock climbing activities, skiing cover, pregnancy related cover, etc

Scenarios Five situations that insurer's may/may not cover

How are the stars awarded?

The total score received for each profile ranks the products. The stars are then awarded based on the distribution of the

scores with the objective to award the top 5-10% of products with the CANSTAR CANNEX 5-star rating.

The results are reflected in a consumer-friendly CANSTAR CANNEX star rating concept, with five stars denoting outstanding value.

Minimum requirements for overall awards

For institutions to be eligible for the overall awards, they must meet certain minimum requirements. The requirements are as follows:

Unlimited overseas medical and hospital cover (international only) $5 million + cover for repatriation and evacuation services (international only) 24hr helpline (domestic and international) Ability to extend the period of cover after the trip has begun (domestic and international)

How many products and financial institutions are analysed?

In order to calculate the ratings, CANSTAR CANNEX analyses 174 comprehensive, 41 domestic and 18 medical only

travel insurance policies from 41 travel insurers in Australia.

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How often are CANSTAR CANNEX travel insurance star ratings re-rated?

The ratings for CANSTAR CANNEX travel insurance star ratings are fully recalulated every 12 months based on the

latest features offered by each institution. CANSTAR CANNEX also monitors premium changes on an ongoing basis.

Does CANSTAR CANNEX rate other product areas?

CANSTAR CANNEX researches, compares and rates the suite of banking and insurance products listed below. These

star ratings use similar methodologies to guarantee quality, consistency and transparency. Results are freely available to

consumers who use the star ratings as a guide to product excellence. The use of similar star ratings logos also builds

consumer recognition of quality products across all categories. Please access the CANSTAR CANNEX website at

www.canstarcannex.com.au if you would like to view the latest star ratings reports of interest.

COPYRIGHT © CANSTAR CANNEX Pty Ltd ABN 21 053 646 165, 2007. The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR CANNEX or not, unless with prior written permission from CANSTAR CANNEX, which if provided, may be provided on conditions. DISCLAIMER To the extent that any CANSTAR CANNEX data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR CANNEX Pty Ltd ABN 21 053 646 165 AFSL 312804 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR CANNEX recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR CANNEX acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR CANNEX’s FSG for more information at www.canstarcannex.com.au.

Account based pensions

Agribusiness

Business banking

Business life insurance

Car insurance

CFD trading

Credit cards

Deposit accounts

Direct life insurance

Health insurance

Home & Contents

Home loans

Life Insurance

Managed investments

Margin lending

Package banking

Personal loans

Reward programs

Superannuation

Travel insurance