2014

STAR RATINGS

REPORT

Travel Insurance

August 2014

TRAVEL INSURANCE
IN THIS REPORT
By way of 12,387 quotes, we research and rate 209 domestic
and international travel insurance products provided by 65
institutions to find which give outstanding value.

Stay-at-home-hols

ustralians are an adventurous bunch but that doesnt

mean were constantly off gallavanting around the
world. With such a vast island underneath our very
feet, domestic travel is still extremely popular.
According to Tourism Research Australia,
domestic tourism is worth almost $70billion
(which is about 70% of total tourism
expenditure), so there are plenty of us doing it
and plenty of us taking out insurance for it.

So what does a domestic insurance

policy commonly cover you for?

Luggage this may also be covered by your

home and contents insurance policy, at least
for some items.

Cancellation if you have to cancel your trip

due to sudden illness or accident, say, or your
employer suddenly cancelling your leave, its a
weight off your mind if you have a policy in place to
make sure you dont end up out of pocket. Some
other reasons for cancellation could be a natural
disaster at your destination or at home, or even
being called up for jury duty.

Rental vehicle excess Most domestic

policies will cover at least $2,500 of your rental
vehicle excess (the excess is the out-of-pocket
cost of you pranging your rental vehicle or
having some other mishap). Rental vehicle
excesses are commonly set at a level
higher than the insurance coverage
available, but every bit helps!

Legal liability The vast majority of

policies researched include coverage
for legal liability. Dont take this as an
excuse to break the law, though you
may end up invalidating your policy!

What does it cost?

The good news is that, on average, the cost to insure your trip
around Australia is minimal certainly in comparison to the
cost of your overall holiday.

And the best news of all? It doesnt matter where youre

going: Canberra or Cape York, Alice Springs or Adelaide, the
price will be the same.

For a couple, the insurance for a five-day jaunt will set you
back around $94 on average. A 10-day trip will be around $117
and 21 days of R&R will be just $163 on average.

The tables below detail the minimum, maximum and average

cost of domestic travel insurance that CANSTAR calculated for
the 2014 Travel Insurance Star Ratings.

5 days cover
Minimum

Maximum

Average

Single

$23.38

$100.80

$49.55

Couple

$46.76

$202.50

$94.23

Family

$46.76

$202.50

$96.57

Minimum

Maximum

Average

Single

$29.25

$121.50

$61.50

Couple

$58.50

$244.80

$117.29

Family

$58.50

$244.80

$120.48

Minimum

Maximum

Average

Single

$39.60

$172.80

$86.15

Couple

$76.43

$345.60

$162.91

Family

$76.43

$345.60

$166.73

10 days cover

21 days cover

Source: CANSTAR Travel Insurance Star Ratings 2014. Average is based on the premiums
available for included insurers. All premiums have been based on a $100 excess.

Whether youre going to Melbourne

or the outback,

the price of your insurance will be the same

Beware
Travellers need to be aware of exclusions. If
youre planning an adventure trip, youll need to
disclose that upon application and read the
terms and conditions carefully!
Things such as skiing, scuba diving, bungee
jumping and rock climbing may not be covered.
Also, dont fall into the trap of thinking that
travel insurance is a substitute for health
insurance. There is no medical cover
within most domestic travel
insurance policies.

Who provides outstanding value?

Not all travellers are the same and not all have the same
requirements. CANSTAR look at three common traveller
profiles: a single person, a couple (based on two adults who
travel together) and a family consisting of two adults and their
two children.
In terms of eligibility, all domestic travel insurers must
provide a comprehensive travel insurance policy that, at a
minimum, covers luggage and personal effects, cancellation
fees and loss of deposit. The insurer must also provide a
24-hour helpline and provide the ability to extend cover while
travelling.

For the second year in a row, Insure and

Go has stormed up the charts to be a
2014 Outstanding Value Travel Insurance
winner. It has cemented its position this
year with a winning combination of price
and features and has a five-star rating
across all domestic profiles. Features of
particular note include:
Ability to claim online/over the
phone
Up to $5,000 for luggage and
personal effects
Up to $10,000 for cancellation and
loss of deposits
Up to $5,000 for unexpected travel
expense/trip disruption.

While a competitive price will always be important, its

important to get the cover you need, not just the cheapest
premium.
To determine true value, we look for the right balance
between price and product features based on 13 different
categories. Further details in the methodology (page 10).
This year, CANSTAR is pleased to announce that Insure and
Go and Virgin Australia have both retained last years mantle
to take the 2014 Outstanding Value Domestic Travel Insurance
award.

Domestic
Travel Insurance

Virgin Australia has now run up an

impressive five years in a row as winner
for outstanding value domestic travel
insurance and has maintained a five-star
rating across all domestic profiles. Truly an
outstanding result. In addition to pricing,
features that particularly impressed our
Research team included:
Ability to claim online and over the
phone
No excess applicable when making
claims
Resumption of trip cover
Unlimited cancellation fees and loss
of deposit
Up to $50,000 unexpected travel
and accommodation expenses.
3

Up, up and away

In addition to hanging out at home,
many Aussies also spend a fair bit
of time hanging out at international
airports.

According to the most recent

Australian Bureau of Statistics (ABS)
figures, Australian residents took almost
nine million short-term overseas trip in
the year to June 2014.
In terms of popularity, our most
common destinations are New Zealand,
Indonesia and the USA. Were also
partial to Thailand, the UK and China.

All very different destinations with

unique and
fascinating
cultures.
One thing
they do have in
common, though, is the hit to your hip
pocket if you fall ill or are injured and
dont have travel insurance!

What do international travel insurance policies commonly cover you for?

Medical/emergency dental Depending on your destination, medical expenses
could end up costing your house. Therefore ensuring that you have great
value medical and emergency cover is vital. Typically cover will include hospital
admission, emergency care and medical evacuation. Unless it is an emergency
situation, we recommend that you telephone your insurer prior to any treatment
to check your coverage.
Repatriation If tragedy strikes while you are away, repatriation covers the cost of
flying your body and belongings back to Australia. Some travel insurance funds also
pay a separate sum insured upon death, as well as funeral
expenses.
Luggage and travel documents Stolen camera or wallet
or even suitcase. Replacement of luggage and travel documents
are the most commonly known and most commonly claimed travel
insurance benefit. Ironically, it is probably the lowest-cost type of claim.
Cancellation cover If you have to cancel your trip due to sudden illness or accident,
or even leave cancellation, you want to ensure that youre covered. Particularly if youre
heading to a luxury destination. Political unrest and acts of terrorism may also be grounds to cancel and
claim, although this varies from event to event. Note that some policies do not have unlimited
cancellation cover so ensure that the amount you have purchased is sufficient for the total
cost of your holidays.
Legal liability Again, the vast majority of policies researched include coverage for
legal liability, commonly up to an amount of several million.

What does it cost?

In the scheme of things, travel insurance is a very small
component of the overall cost of your holiday.

average travel insurance premiums of $146 for Bali, $170 for

Thailand, $228 for the USA and $181 for the UK.

Unlike domestic travel insurance, the cost of international

travel insurance will differ according to your destination.

The tables below detail the minimum, maximum and average

cost of international travel insurance for a 10-day period,
as calculated by CANSTAR for the 2014 Travel Insurance Star
Ratings.

For a 10-day overseas jaunt, Aussie couples can expect to pay

Bali
Minimum

Maximum

Average

Single

$32.61

$172.35

$78.64

Couple

$61.96

$270.00

$146.06

Family

$65.22

$328.00

$150.73

Minimum

Maximum

Average

Single

$49.84

$220.00

$113.95

Couple

$94.70

$422.00

$214.28

Family

$99.68

$588.00

$222.48

Minimum

Maximum

Average

Single

$41.92

$172.35

$94.57

Couple

$79.65

$343.00

$176.09

Family

$83.84

$343.00

$181.37

Minimum

Maximum

Average

Single

$41.92

$176.00

$99.71

Couple

$79.65

$343.00

$187.37

Family

$83.84

$376.00

$193.53

Brazil

China

France

Japan
Minimum

Maximum

Average

Single

$49.84

$176.00

$101.68

Couple

$94.70

$343.00

$192.31

Family

$99.68

$352.00

$199.07

Minimum

Maximum

Average

Single

$41.92

$220.00

$111.62

Couple

$79.65

$422.00

$210.25

Family

$83.84

$440.00

$216.32

Minimum

Maximum

Average

Single

$41.92

$172.35

$91.90

Couple

$79.65

$288.00

$170.90

Family

$83.84

$328.00

$175.80

South Africa

Thailand

UK
Minimum

Maximum

Average

Single

$41.92

$176.00

$96.39

Couple

$79.65

$332.00

$180.80

Family

$83.84

$352.00

$186.42

USA
Minimum

Maximum

Average

Single

$49.84

$221.00

$120.25

Couple

$94.70

$422.00

$228.25

Family

$99.68

$588.00

$235.96

Beware

High-value items. Many policies
will have a dollar limit claimable for each
item; this dollar limit may not cover the
replacement cost.

Again, exclusions can be a big danger area for unwary

globetrotters. No travel policy will cover you for every single
thing that might go wrong while youre away, so its important
to read the policy conditions of your selected policy to be
aware of any exclusions that may apply.

Notification period. A policy
may specify that an insured event needs
to be notified to them within a specified timeframe
(24hours for example). Its important to be aware of the
notification period under your policy and stick to it.

Some common international travel insurance exclusions are:

High risk countries. Check the governments Smart

Traveller website for the travel advisory status of your
destination. Countries and areas deemed do not travel
may not be covered under your policy.

Risky behaviour. Any injury or loss

caused by reckless behaviour while
under the influence of alcohol or
drugs, except a drug prescribed to
you by a medical adviser and taken in
accordance with their instructions, will
probably be excluded
from cover. The moral?
If you think it could be
a dumb idea, dont do it.

Pre-existing medical conditions. Even conditions

that have been undiagnosed but for which you have
experienced symptoms may not be covered. Its also
important to disclose the pre-existing conditions of your
close relatives, if this may have an impact on your travel.

Loss of items left unattended. Its common sense to

keep an eye on your belongings. Leaving your wallet and
keys wrapped in a towel on the beach while you take a
quick swim, leaving belongings hidden
in a shared room or losing
valuables from
your checked-in
luggage may
all be excluded
from cover.

and for adventure lovers

Another common exclusion is
hazardous pursuits.
Activities such as motorbike
riding, skiing, scuba diving, bungee
jumping and hang-gliding may be
excluded from a standard policy.
However, these can often be
added for an additional premium.
This table lists the number of
international travel insurance
policies researched by CANSTAR
that cover certain common
hazardous pursuits as either
standard (automatically included
within the policy), optional (may be
insured for an additional premium,
upon agreement) or not covered
at all.

Activity

Standard

Optional

Not included

International waters

59

80

Motor cycle, scooter, jet ski

130

Non-professional sporting trip

75

58

Rock climbing

130

Snow sport

67

51

23

Water sport

88

44

Be sure to read the fine print on your policy. Some

policies may cover motor cycle accidents but only if
the person operating the motor cycle is appropriately
licensed in Australia. If you are concerned about any
activity that you are thinking of doing, contact your travel
insurance provider beforehand to double check your
coverage.
7

Who provides outstanding value?

When it comes to international travel insurance, its a crowded and competitive market.
This year for the first time CANSTAR has awarded three insurance providers with the
outstanding value international travel insurance accolade.
Last years winner, Southern Cross Travel Insurance, stood out from the crowd yet
again, as did Insure and Go (which has also scooped the domestic travel insurance
award) and new entrant to our ratings Travel Insurance Direct.
All three providers were successful thanks to their mix of competitive premium and
impressive features.

Insure and Go
As well as its success in the domestic travel insurance ratings, Insure and Go has also put
together a winning combination of price and features in CANSTARs international travel
insurance ratings. In addition to price, some features of note include:

Pregnancy cover up to 32 weeks. For many international travel insurance policies,

coverage for those who are pregnant ceases at around the 20-week mark.
Coverage for up to 32 weeks is a standout feature.
Insure and Go also offers unlimited medical and unlimited cancellation fees and
loss of deposit.
Collapse of airline. A differentiating feature of Insure and Go is the provision of
some coverage for scheduled airline failure. Subject to some conditions, the policy
will pay for a one-way airfare home if your original airline becomes insolvent.

International
Travel Insurance

Southern Cross Travel Insurance

In winning the 2014 outstanding value international travel insurance award, Southern
Cross Travel has made it an impressive five years in a row. In terms of pricing, Southern
Cross Travel is consistently in the top 10 providers surveyed across all destinations and
this price is combined with some impressive features. Of note:

Unlimited overseas medical cover and repatriation, plus $750 of overseas

dental cover per person. With overseas medical costs potentially running into the
hundreds of thousands, unlimited cover helps provide peace of mind for unlucky
travellers.
The ability to claim online is another great feature that can save time and the
hassle of paperwork while you are still overseas.
Rental vehicle excess of $5,000 as standard. Traffic bingles while overseas can
be common and Southern Cross will cover the first $5,000 of rental vehicle excess,
substantially higher than the average. You will still have to pay the cost of excess
upfront, but Southern Cross will reimburse up to $5,000 upon your return.

Travel Insurance Direct

This is a first-time win for Travel Insurance Direct (TID), which is on the back of some
competitive pricing across all destinations as well as a good feature offering. In terms of
price, TID is also consistently in the top 10 providers surveyed across all destinations.
When it comes to features, the following caught the eye of our Research team:

Nil excess available. If you dont want to be out of pocket in the event of a claim,
TID gives you the option to buy out or reduce your excess via an additional
premium.
Unlimited medical and unlimited cancellation fees and loss of deposit. While
all three winners do have unlimited medical cover, unlimited cancellation cover is
less common.
Standard cover for diabetes. With the incidence of diabetes
soaring in Australia, offering standard cover for
e to
CANSTAR would lik
diabetes (provided the travellers condition is stable)
e winners
th
can potentially benefit many travellers.
congratulate all

on
achievement.
their outstanding
8

There is more outstanding value to be found

In addition to CANSTARs overall winners, many other products received a five-star outstanding value rating across the
destinations and profiles assessed. In total:
Domestic
8

products received

for domestic travel insurance (singles)

products received

for domestic travel insurance (couples)

products received

for domestic travel insurance (families)

12

products received

for international travel insurance (singles)

12

products received

for international travel insurance (couples)

11

products received

for international travel insurance (families)

12

products received

for international travel insurance (singles)

11

products received

for international travel insurance (couples)

11

products received

for international travel insurance (families)

13

products received

for international travel insurance (singles)

12

products received

for international travel insurance (couples)

11

products received

for international travel insurance (families)

Bali

Brazil

China

France
11

products received

for international travel insurance (singles)

11

products received

for international travel insurance (couples)

12

products received

for international travel insurance (families)

11

products received

for international travel insurance (singles)

11

products received

for international travel insurance (couples)

10

products received

for international travel insurance (families)

Japan

South Africa
11

products received

for international travel insurance (singles)

11

products received

for international travel insurance (couples)

10

products received

for international travel insurance (families)

Thailand
12

products received

for international travel insurance (singles)

13

products received

for international travel insurance (couples)

12

products received

for international travel insurance (families)

11

products received

for international travel insurance (singles)

11

products received

for international travel insurance (couples)

11

products received

for international travel insurance (families)

10

products received

for international travel insurance (singles)

10

products received

for international travel insurance (couples)

UK

USA

10

products received

for international travel insurance (families)

9

TRAVEL INSURANCE

STAR RATINGS
METHODOLOGY

METHODOLOGY

What are the CANSTAR Travel Insurance Star Ratings?

CANSTAR Travel Insurance Star Ratings involve a sophisticated rating methodology, unique to CANSTAR, that compares travel
insurance products in Australia. CANSTAR star ratings provide a transparent analysis of a shortlist of travel insurance
products, enabling consumers to narrow their search to products that have been independently assessed and ranked.
The results are reflected in a consumer-friendly five-star concept, with five stars signifying outstanding value offered by the
product.

What types of products are evaluated in the CANSTAR Travel Insurance Star Ratings?
CANSTAR rates a number of international and domestic travel insurance policies covering the following profile types and
destinations:

Who?
Single

Family

Couple

Where?
Asia
China
Bali
Thailand
Japan

Australia

Europe

Pacific

Worldwide

UK
France

New Zealand
Fiji

Brazil
South Africa
USA

10

For institutions to be eligible for the international travel insurance star ratings, the policy must be a comprehensive policy.
This means it must meet certain basic feature requirements in order to be included in the ratings. The requirements are:

Overseas medical and hospital cover (international only)

Repatriation and evacuation services (international only)
Luggage and personal effects
Cancellation fees and loss of deposit

How are the CANSTAR Travel Insurance Star Ratings calculated?

Each travel insurance product reviewed for the CANSTAR 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 and a
Features score.
To arrive at the total score, CANSTAR applies a weight against the Pricing and Features scores. This weight will vary from
profile to profile and will reflect the relative importance of either costs or features in determining the best product. This
method can be summarised as:

TOTAL SCORE = PRICING + FEATURES SCORE

Pricing
score
60%

Average premium
Based on three different
periods of travel

Features
score
40%

Product features
Based on 13 different
feature categories

Policy
conditions
Policy
inclusions

Indexed Score
Product with the best pricing or features
will receive a full score

Pricing score
The pricing score for each profile is based on guidelines outlined below. Quotes within the profile types and destinations
were used to determine the minimum average premium in each profile. This was then indexed against each policy premium
and weighted by its 60% weighting to determine final pricing score.

Profile types
Quotes were based on the three profile types: Single, Couple and Family. These travellers were based on:

40-year-old adult/s

If family, a 15-year-old child and an 11-year-old child

NSW as the state of residence

11

Travel period
The travel periods used to find the average premium to Japan, South Africa, China, Bali, Thailand, UK, France, USA and Brazil
are as follows:
Profile

Period of travel

Departing date

Returning date

Days

10 days

1 June 2014

10 June 2014

Weeks

21 days

1 June 2014

21 June 2014

Months

42 days

1 June 2014

11 July 2014

The travel periods used to find the average premium to Australia, Fiji and New Zealand are as follows:
Profile

Period of travel

Departing date

Returning date

Days

5 days

1 June 2014

5 June 2014

Short holiday

10 days

1 June 2014

10 June 2014

Long holiday

21 days

1 June 2014

21 June 2014

Excesses
To ensure fair comparison between providers, premiums were quoted at the standard excess amount of $100. For policies
that did not have the option of $100 standard excess, premiums were adjusted based on industry-based actuarial data.

Features score
Features are split into different sub-categories that are allocated appropriate weights. Based on the points received, each
individual policy receives a total features score. The total score is then weighted against the weights provided in the table
below for their respective profile feature score. The feature score is then indexed and weighted by its 40% weighting to
provide the final features score.

Feature categories weightings

Category
Policy conditions
Definitions
Policy flexibility
Claim processes
Policy inclusions
Inclusions
Scenarios
Policy benefits
Overseas medical and dental
Luggage and travel documents
Cancellation fees and loss of deposit
Emergency travel arrangements
Rental vehicle cover
Accidental death, disability and loss of income
Legal liability
Domestic services
Total

International
20%
33.3%
33.3%
33.4%
10%
50%
50%
70%
40%
15%
22%
14%
6%
1%
1%
1%
100%

Domestic
15%
33.3%
33.3%
33.4%
10%
50%
50%
75%
26%
41%
8%
20%
2%
2%
1%
100%

12

Sub-category
Definitions
Conditions
Dependants
Pre-existing medical conditions

International
33.3%
33.3%
33.3%
33.4%

Domestic
33.3%
33.3%
33.3%
33.4%

Feature categories definitions

Policy conditions

Sub-category definition

Definitions

Definition of cover, e.g. definition of dependents, pre-existing

medical conditions, etc.

Policy flexibility

Nil excess, adjustable excess, extend travel period, extra

cover for paying extra

Claim process

Claim online, claim over the phone, 24-hour helpline,

helpline accepts reverse charge calls

Policy benefits

Sub-category definition

Overseas medical and dental

Level of cover on medical- and dental-related issues

Luggage and travel documents

Level of cover on personal belongings

Cancellation fees and loss of deposit

Level of cover on administration-related fees

Emergency travel arrangements

Level of cover on unexpected changes during period of travel

Rental vehicle cover

Level of cover on rental vehicle excess

Accidental death, disability and loss of income

Level of cover on death, disability and loss of income

Legal liability

Level of cover on legal liability

Domestic

Level of cover for domestic-related issues, e.g. domestic pets

Policy inclusions

Sub-category definition

Inclusions

Land-based recreational vehicles, water-based recreational

vehicles, non-professional sporting trip, extreme activities, etc.

Scenarios

A number of situations that insurers may/may not cover

13

What is the CANSTAR Travel Insurance Award?

In conjunction with the travel star ratings, CANSTAR has awarded two separate awards to the insurers who provide
outstanding value in the following categories:

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 award aims to give recognition to those
insurers who offer quality products with desirable features to travellers in a particular category.
For institutions to be eligible for the overall awards, they must meet certain minimum requirements. The requirements are
as follows:

24-hour helpline available

Ability to extend cover while travelling
$25 million + family overseas medical and hospital cover (international only)
$5 million + family cover for repatriation and evacuation services (international only)

How is the CANSTAR Travel Insurance Award calculated?

The maximum total score of each country profile is taken from each insurer and is indexed against the maximum possible
top score in each country profile. This produces an indexed score which is then weighted against the profile type weights
provided in the methodology tree below. Each of the profile type scores is then summed to determine the final award
winner in both categories.

Single profiles
35%
For international travel
insurance we consider
11 international
destinations and
Australia for domestic
travel insurance

Couple profiles
35%
Family profiles
30%

Indexed Score
Product with the best pricing or features
will receive a full score

14

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 according to the following guidelines. As you can see, only the products that obtain a score in the top 10% of the
score distribution receive a five-star rating.

The results are reflected in a consumer-friendly five-star concept, with five stars denoting an outstanding product.

Does CANSTAR rate all products available in the market?

We endeavour to include the majority of product providers in the market and to compare the product features most
relevant to consumers in our ratings. However, this process is not always possible and it may be that not every product in
the market is included in the rating nor every feature compared that is relevant to you.

How often are products reviewed for star ratings purposes?

All ratings are fully recalculated every 12 months, based on the latest submissions from each institution. CANSTAR also
monitors changes on an ongoing basis.

Does CANSTAR rate other product areas?

CANSTAR 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 website at www.canstar.com.au if you would like to
view the latest star ratings reports of interest.

Account based pensions

Agribusiness
Business banking
Business life insurance
Car insurance
Credit cards
Deposit accounts
Direct life insurance
First home buyer
Health insurance
Home & Contents
Home loans
Life insurance

Managed investments
Margin lending
Online banking
Online share trading
Package banking
Personal loans
Reward programs
Superannuation
Term deposits
Travel insurance
Travel money card
Youth banking

15

DISCLAIMER:
To the extent that the information in this report constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd A.C.N. 114 422 909 AFSL and
ACL 437917 (CANSTAR). The information has been prepared without taking into account your individual investment objectives, financial circumstances or needs.
Before you decide whether or not to acquire a particular financial product you should assess whether it is appropriate for you in the light of your own personal
circumstances, having regard to your own objectives, financial situation and needs.You may wish to obtain financial advice from a suitably qualified adviser before
making any decision to acquire a financial product. CANSTAR provides information about credit products. It is not a credit provider and in giving you information it is
not making any suggestion or recommendation to you about a particular credit product. Please refer to CANSTARs FSG for more information.
The information in this report must not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold,
or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without CANSTARs prior written
consent. All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances shall CANSTAR have any liability
to any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the control of CANSTAR or any of its directors,
officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such
information. Copyright 2014 CANSTAR Research Pty Ltd A.C.N. 114 422 909
The word CANSTAR, the gold star in a circle logo (with or without surmounting stars), are trademarks or registered trademarks of CANSTAR Pty Ltd. Reference to third
party products, services or other information by trade name, trademark or otherwise does not constitute or imply endorsement, sponsorship or recommendation of
CANSTAR by the respective trademark owner.

16

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

1300 Insurance
Insure and Go
Medibank
NRMA
Simply Travel Insurance
Travel Insurance Direct
Virgin Australia
Worldcare

Plan C Australia Only

Domestic
Domestic Plan
Domestic Comprehensive
Plan B - Australia Only
Domestic
Domestic
Australia Only

Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited

$25,000
$15,000
$10,000
$10,000
$25,000
$10,000
$25,000
$25,000

$7,500
$5,000
$8,000
$8,000
$7,500
N/A
$5,000
$5,000

N/A
$250
N/A
N/A
N/A
$250
N/A
N/A

$3,000
$2,000
$300
$3,000
$3,000
$4,000
$3,000
$3,000

Plan D - Domestic
Plan B - Australia Only
Plan E - Australia Platinum
Domestic - Essential
Premier
Standard
Plan B - Australia Only
Plan B - Domestic
Holiday Travel Insurance
Domestic - Q12
L2 - Rock Wallaby Cover
L3 - Wallaby Cover

Unlimited
Unlimited
Unlimited
$10,000
$15,000
$10,000
$10,000
Unlimited
Unlimited
$10,000
$10,000
$12,500

$25,000
$25,000
$20,000
$20,000
$75,000
$50,000
$30,000
$25,000
$25,000
$10,000
N/A
N/A

$5,000
$7,500
$5,000
$2,000
$7,500
$6,000
$5,000
$7,500
$6,000
$3,000
$3,000
$5,000

N/A
N/A
N/A
N/A
$1,000
$500
$500
N/A
$250
$500
N/A
$250

$3,000
$3,000
$3,000
$1,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$250
$3,000

1Cover Direct
Allianz
Budget Direct
Citibank
Columbus Direct
Columbus Direct
Downunder Insurance
Fastcover
GIO
Good2Go
Kango Cover
Kango Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 1

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

MyCover
Online Travel Insurance
Real Insurance
Travellers Choice
Zuji

Plan B - Australia Only

Plan B - Australia Only
Comrephensive - Domestic
Basic - Domestic
Australia Only

Unlimited
$10,000
$12,000
$1,500
Unlimited

$25,000
$25,000
$12,000
$10,000
$25,000

$7,500
$5,000
$10,000
$1,500
$5,000

N/A
N/A
$250
N/A
N/A

$3,000
$3,000
$3,000
$750
$3,000

Bronze (E12)
Domestic (Q12)
Domestic Single Trip
Australian
Basic - Domestic
Domestic
Plan B - Australia Only
Plan F - Australia Silver
Australian
Basic - Australia Only
Plan B - Australia Only
Domestic - Elite
Domestic - Premium
Travelsure - Domestic
Go Basic - Domestic

Unlimited
$15,000
$10,000
$10,000
$3,000
$10,000
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
$25,000
$15,000
$10,000
$15,000

$25,000
$10,000
N/A
$10,000
$10,000
$10,000
$25,000
N/A
$10,000
$25,000
$25,000
$100,000
$25,000
$10,000
$20,000

$15,000
$3,000
$5,000
$4,000
$1,500
$4,000
$7,500
$3,000
$2,500
$8,000
$8,000
$10,000
$5,000
$3,000
$7,500

$500
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250

$3,000
$500
$1,500
$1,000
$1,500
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$2,000
$1,500
$300
$2,000

AIG
AIG
American Express
ANZ
Aussie Travel Cover
Australia Post
Big Sky
Budget Direct
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Covermore
Go Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 2

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Go Plus - Domestic
Plan B - Australia Only
Australian Travel Plan
Plan B - Australia Only
Plan B - Domestic
Plan D - Snow Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
Plan B - Domestic
Australian
Australia Only - Essential
Australia Only - Premium
Basics - Domestic
Plan B - Australia Only
Australian
Basic - Domestic
Comprehensive - Domestic
Essentials - Domestic
Holiday Travel Insurance - Single Trip
Classic
Deluxe
Premier

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$10,000
$7,500
$15,000
$7,500
$5,000
$7,500
$6,000
$7,500
$7,500
$2,500
$1,000
$3,500
$5,000
$5,000
$2,500
$3,000
$6,000
$3,000
$6,000
$2,500
$7,500
$3,500

$500
N/A
$250
N/A
N/A
$250
$500
$750
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250
$125
$600
$150

$3,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$1,000
$3,500
$3,000
$3,000
$500
$1,000
$3,500
$2,500
$3,000
$500
$3,000
$500

Go Insurance
Greater Building Society
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
Kango Cover
Kango Cover
nab
People's Choice Credit Union
Priceline Protects
Priceline Protects
Real Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travel Insuranz

$25,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500
$15,000
Unlimited
Unlimited
$2,500
$5,000
$5,000
Unlimited
Unlimited
$10,000
$10,000
$10,000
Unlimited
$2,500
$10,000
$5,000

$25,000
$25,000
$25,000
$25,000
$15,000
$15,000
N/A
$50,000
$25,000
$10,000
N/A
$25,000
N/A
$25,000
$10,000
$10,000
$10,000
$10,000
$25,000
N/A
$30,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 3

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

Virgin Money
Webjet
Westpac
Woolworths

Australia Only - Plan B

Comprehensive - Plan A
Holiday Travel Insurance
Comprehensive - Domestic

$10,000
Unlimited
Unlimited
$12,000

$25,000
$25,000
$25,000
$12,000

$7,500
$5,000
$6,000
$10,000

N/A
$250
$250
$250

$3,000
$500
$3,000
$3,000

Plan C - Domestic
Australian
Domestic
Australian Plan
Australian
Australian Travel
Australian Basics
Australian Plus
Domestic
Comprehensive - Domestic
Basic - Domestic

$20,000
Unlimited
Unlimited
Unlimited
$10,000
$10,000
$7,500
$10,000
$10,000
$10,000
$5,000

$5,000
$10,000
$10,000
$10,000
$10,000
$10,000
$5,000
$10,000
$10,000
$10,000
N/A

$2,000
$2,500
$2,500
$2,500
$4,000
$4,000
$1,500
$4,000
$4,000
$3,000
$5,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250
N/A
N/A

$2,000
$500
$500
$500
$1,000
$1,000
$750
$1,000
$4,000
N/A
$3,000

Australia Only
Australian Cruising
Domestic

$10,000
$10,000
Unlimited

$10,000
$10,000
$25,000

$4,000
$3,000
$7,500

N/A
N/A
N/A

$4,000
$1,000
$1,500

Aussie Travel Cover

Australian Unity
BUPA
HBF Insurance
multitrip.com.au
Onepath
QBE
QBE
Suresave
Travellers Choice
Woolworths

National Seniors
QBE
RAC

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 4

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$7,500
$7,500

N/A
N/A

$1,500
$1,500

RACQ
RACV

Domestic
Domestic

Unlimited
Unlimited

$25,000
$25,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 5

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

1300 Insurance
Columbus Direct
Columbus Direct
Downunder Insurance
GIO
Insure and Go
Medibank
NRMA
Virgin Australia

Plan C Australia Only

Premier
Standard
Plan B - Australia Only
Holiday Travel Insurance
Domestic
Domestic Plan
Domestic Comprehensive
Domestic

Unlimited
$30,000
$20,000
$20,000
Unlimited
$20,000
Unlimited
Unlimited
Unlimited

$50,000
$150,000
$100,000
$60,000
$50,000
$30,000
$20,000
$20,000
$50,000

$15,000
$15,000
$12,000
$10,000
$12,000
$10,000
$16,000
$16,000
$10,000

N/A
$2,000
$1,000
$1,000
$500
$500
N/A
N/A
N/A

$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$300
$3,000
$3,000

Plan B - Australia Only

Plan E - Australia Platinum
Domestic - Essential
Plan B - Domestic
Domestic - Q12
Plan B - Australia Only
L2 - Rock Wallaby Cover
Plan B - Australia Only
Plan B - Australia Only
Comrephensive - Domestic
Plan B - Australia Only

Unlimited
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$10,000
Unlimited
$20,000
$24,000
Unlimited

$50,000
$40,000
$40,000
$50,000
$10,000
$50,000
N/A
$50,000
$50,000
$24,000
$50,000

$15,000
$10,000
$4,000
$15,000
$6,000
$15,000
$3,000
$15,000
$10,000
$20,000
$7,500

N/A
N/A
N/A
N/A
$500
N/A
N/A
N/A
N/A
$500
N/A

$3,000
$3,000
$1,000
$3,000
$500
$3,000
$250
$3,000
$3,000
$3,000
$3,000

Big Sky
Budget Direct
Citibank
Fastcover
Good2Go
Greater Building Society
Kango Cover
MyCover
Online Travel Insurance
Real Insurance
Simply Travel Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 6

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - Domestic
Personal Belongings
Company Name

Cancellation Fee Accidental Death

Cover
Cover

Product

24 Hr
Helpline

Plan B - Australia Only

Holiday Travel Insurance - Single Trip
Domestic
Australia Only

Unlimited
Unlimited
$20,000
Unlimited

Plan D - Domestic
Bronze (E12)
Domestic (Q12)
Plan B - Australia Only
Domestic Single Trip
Australian
Domestic
Australian
Plan F - Australia Silver
Domestic
Australian
Basic - Australia Only
Domestic - Elite
Domestic - Premium
Travelsure - Domestic
Go Basic - Domestic

Unlimited
Unlimited
$30,000
Unlimited
$20,000
$20,000
$10,000
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
$50,000
$30,000
$10,000
$30,000

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$50,000
$50,000
$20,000
$50,000

$10,000
$12,000
$8,000
$10,000

N/A
$500
$250
N/A

$3,000
$3,000
$4,000
$3,000

$50,000
$50,000
$40,000
$50,000
N/A
$20,000
$20,000
$20,000
N/A
$20,000
$20,000
$50,000
$200,000
$50,000
$20,000
$40,000

$10,000
$30,000
$6,000
$7,500
$10,000
$8,000
$8,000
$5,000
$6,000
$5,000
$5,000
$8,000
$20,000
$10,000
$6,000
$15,000

N/A
$1,000
N/A
N/A
$0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$500

$3,000
$3,000
$500
$3,000
$1,500
$1,000
$3,000
$500
$3,000
$500
$500
$3,000
$2,000
$1,500
$300
$2,000

Ski Insurance
Suncorp Bank
Travel Insurance Direct
Worldcare

1Cover Direct
AIG
AIG
Allianz
American Express
ANZ
Australia Post
Australian Unity
Budget Direct
BUPA
CGU
CHI Travel Insurance
Citibank
Citibank
Covermore
Go Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 7

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$20,000
$5,000
$30,000
$7,500
$10,000
$15,000
$5,000
$6,000
$7,500
$7,500
$5,000
$2,000
$7,000
$10,000
$5,000
$6,000
$5,000
$15,000
$7,000
$3,000
$15,000
$10,000

$1,000
N/A
$500
N/A
N/A
$500
$250
$500
$750
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250
$1,200
$300
N/A
N/A
$500

$3,000
$500
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$1,000
$3,500
$3,000
$500
$1,000
$500
$3,000
$500
$750
$3,000
$500

Go Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
Kango Cover
Kango Cover
Kango Cover
nab
People's Choice Credit Union
Priceline Protects
Priceline Protects
Real Insurance
St.George Bank
STA Travel
Travel Insuranz
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Money
Webjet

Go Plus - Domestic
Australian Plan
Australian Travel Plan
Plan B - Australia Only
Plan B - Domestic
Plan D - Snow Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
Plan B - Domestic
Australian
Australia Only - Essential
Australia Only - Premium
Basics - Domestic
Australian
Basic - Domestic
Classic
Deluxe
Premier
Basic - Domestic
Australia Only - Plan B
Comprehensive - Plan A

$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500
$12,500
$15,000
Unlimited
Unlimited
$5,000
$10,000
$10,000
Unlimited
$10,000
$5,000
$20,000
$10,000
$1,500
$20,000
Unlimited

$50,000
$20,000
$50,000
$25,000
$30,000
$30,000
N/A
N/A
$50,000
$25,000
$20,000
N/A
$50,000
N/A
$20,000
N/A
N/A
$60,000
$20,000
$20,000
$50,000
$50,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 8

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

Westpac
Woolworths
Zuji

Holiday Travel Insurance

Comprehensive - Domestic
Australia Only

Unlimited
$24,000
Unlimited

$50,000
$24,000
$25,000

$12,000
$20,000
$5,000

$500
$500
N/A

$3,000
$3,000
$3,000

Basic - Domestic
Plan C - Domestic
Plan B - Australia Only
Australian
Australian Travel
Australian Basics
Australian Plus
Domestic
Comprehensive - Domestic
Essentials - Domestic
Comprehensive - Domestic
Basic - Domestic

$6,000
$40,000
Unlimited
$20,000
$20,000
$15,000
$20,000
Unlimited
$10,000
$10,000
$10,000
$10,000

$20,000
$10,000
$50,000
$20,000
$20,000
$10,000
$20,000
$50,000
$20,000
$20,000
$20,000
N/A

$3,000
$4,000
$8,000
$8,000
$8,000
$3,000
$8,000
$15,000
$12,000
$6,000
$6,000
$10,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$1,500
$2,000
$3,000
$1,000
$1,000
$750
$1,000
$1,500
$3,500
$2,500
N/A
$3,000

Australia Only
Australian Cruising
Domestic

$20,000
$20,000
Unlimited

$20,000
$20,000
$50,000

$8,000
$6,000
$15,000

N/A
N/A
N/A

$4,000
$1,000
$1,500

Aussie Travel Cover

Aussie Travel Cover
CHI Travel Insurance
multitrip.com.au
Onepath
QBE
QBE
RAC
STA Travel
STA Travel
Travellers Choice
Woolworths

National Seniors
QBE
RACQ

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 9

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$15,000
$8,000

N/A
$250

$1,500
$4,000

RACV
Suresave

Domestic
Domestic

Unlimited
$20,000

$50,000
$20,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 10

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

1300 Insurance
Downunder Insurance
GIO
Insure and Go
Medibank
NRMA
Virgin Australia

Plan C Australia Only

Plan B - Australia Only
Holiday Travel Insurance
Domestic
Domestic Plan
Domestic Comprehensive
Domestic

Unlimited
$20,000
Unlimited
$40,000
Unlimited
Unlimited
Unlimited

$50,000
$60,000
$50,000
$40,000
$20,000
$20,000
$50,000

$15,000
$10,000
$12,000
$20,000
$16,000
$16,000
$10,000

N/A
$500
$500
$1,000
N/A
N/A
N/A

$3,000
$3,000
$3,000
$2,000
$300
$3,000
$3,000

Domestic Single Trip

Domestic - Essential
Premier
Standard
Plan B - Domestic
Go Plus - Domestic
Domestic - Q12
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
Plan B - Australia Only
Plan B - Australia Only
Plan B - Australia Only
Holiday Travel Insurance - Single Trip

$20,000
$20,000
$30,000
$20,000
Unlimited
$100,000
$20,000
$20,000
$25,000
Unlimited
Unlimited
Unlimited
Unlimited

N/A
$40,000
$150,000
$100,000
$50,000
$100,000
$10,000
N/A
N/A
$50,000
$50,000
$50,000
$50,000

$30,000
$4,000
$15,000
$12,000
$15,000
$40,000
$6,000
$6,000
$10,000
$15,000
$15,000
$10,000
$12,000

$0
N/A
$2,000
$1,000
N/A
$2,000
$500
N/A
$250
N/A
N/A
N/A
$500

$1,500
$1,000
$3,000
$3,000
$3,000
$3,000
$500
$250
$3,000
$3,000
$3,000
$3,000
$3,000

American Express
Citibank
Columbus Direct
Columbus Direct
Fastcover
Go Insurance
Good2Go
Kango Cover
Kango Cover
MyCover
Simply Travel Insurance
Ski Insurance
Suncorp Bank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 11

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

Travel Insurance Direct

Travel Insuranz
Worldcare

Domestic
Deluxe
Australia Only

$20,000
$40,000
Unlimited

$20,000
$120,000
$50,000

$8,000
$30,000
$10,000

$250
$2,400
N/A

$4,000
$3,000
$3,000

Plan D - Domestic
Bronze (E12)
Plan B - Australia Only
Australian
Domestic
Australian
Plan B - Australia Only
Plan E - Australia Platinum
Plan F - Australia Silver
Domestic
Australian
Basic - Australia Only
Domestic - Elite
Domestic - Premium
Travelsure - Domestic
Go Basic - Domestic
Plan B - Australia Only

Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$50,000
$30,000
$10,000
$60,000
Unlimited

$50,000
$50,000
$50,000
$20,000
$20,000
$20,000
$50,000
$40,000
N/A
$20,000
$20,000
$50,000
$200,000
$50,000
$20,000
$80,000
$50,000

$10,000
$30,000
$15,000
$8,000
$8,000
$5,000
$15,000
$10,000
$6,000
$5,000
$5,000
$16,000
$20,000
$10,000
$6,000
$30,000
$15,000

N/A
$1,000
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$1,000
N/A

$3,000
$3,000
$3,000
$1,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$500
$3,000
$2,000
$1,500
$300
$2,000
$3,000

1Cover Direct
AIG
Allianz
ANZ
Australia Post
Australian Unity
Big Sky
Budget Direct
Budget Direct
BUPA
CGU
CHI Travel Insurance
Citibank
Citibank
Covermore
Go Insurance
Greater Building Society

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 12

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

$5,000
$30,000
$15,000
$10,000
$15,000
$12,000
$15,000
$15,000
$10,000
$5,000
$2,000
$7,000
$10,000
$20,000
$5,000
$10,000
$14,000
$3,000
$15,000
$10,000
$12,000
$20,000

N/A
$500
N/A
N/A
$500
$500
$750
N/A
N/A
N/A
N/A
N/A
N/A
$500
N/A
$500
$600
N/A
N/A
$500
$500
$500

$500
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$1,000
$3,500
$3,000
$3,000
$500
$500
$500
$750
$3,000
$500
$3,000
$3,000

HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
Kango Cover
Kango Cover
nab
Online Travel Insurance
People's Choice Credit Union
Priceline Protects
Priceline Protects
Real Insurance
Real Insurance
St.George Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Money
Webjet
Westpac
Woolworths

Australian Plan
Australian Travel Plan
Plan B - Australia Only
Plan B - Domestic
Plan D - Snow Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
Plan B - Domestic
Plan B - Australia Only
Australian
Australia Only - Essential
Australia Only - Premium
Basics - Domestic
Comrephensive - Domestic
Australian
Classic
Premier
Basic - Domestic
Australia Only - Plan B
Comprehensive - Plan A
Holiday Travel Insurance
Comprehensive - Domestic

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000
$30,000
Unlimited
$20,000
Unlimited
$5,000
$10,000
$10,000
$24,000
Unlimited
$10,000
$20,000
$1,500
$20,000
Unlimited
Unlimited
$24,000

$20,000
$50,000
$50,000
$30,000
$30,000
N/A
$100,000
$50,000
$50,000
$20,000
N/A
$50,000
N/A
$24,000
$20,000
N/A
$40,000
$20,000
$50,000
$50,000
$50,000
$24,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 13

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - Domestic
Personal Belongings
Company Name

Product

24 Hr
Helpline

Cancellation Fee Accidental Death

Cover
Cover

Luggage/
Personal Effects

Theft of Cash

Item Limit
Laptop

AIG
Aussie Travel Cover
Aussie Travel Cover
CHI Travel Insurance
multitrip.com.au
Onepath
QBE
QBE
RAC
Suresave
Travellers Choice
Woolworths
Zuji

Domestic (Q12)
Basic - Domestic
Plan C - Domestic
Plan B - Australia Only
Australian
Australian Travel
Australian Basics
Australian Plus
Domestic
Domestic
Comprehensive - Domestic
Basic - Domestic
Australia Only

$30,000
$6,000
$40,000
Unlimited
$20,000
$20,000
$15,000
$20,000
Unlimited
$20,000
$10,000
$10,000
Unlimited

$40,000
$20,000
$10,000
$50,000
$20,000
$20,000
$10,000
$20,000
$50,000
$20,000
$20,000
N/A
$50,000

$6,000
$3,000
$4,000
$16,000
$8,000
$8,000
$3,000
$8,000
$15,000
$8,000
$6,000
$10,000
$10,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$500
N/A
N/A
N/A

$500
$1,500
$2,000
$3,000
$1,000
$1,000
$750
$1,000
$1,500
$4,000
N/A
$3,000
$3,000

Australian Cruising
Domestic
Domestic

$20,000
Unlimited
Unlimited

$20,000
$50,000
$50,000

$6,000
$15,000
$15,000

N/A
N/A
N/A

$1,000
$1,500
$1,500

QBE
RACQ
RACV

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 14

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$500
$500
$250
N/A
$250
$250
$125
N/A
$250
$250

$3,000
$3,500
$3,000
$3,000
$2,000
$250
$3,000
$4,000
$500
$3,000
$3,000
$3,000

$250
N/A
$250
N/A
$1,000
$500
$500
$250
$500
N/A

$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$250

1Cover Direct
Citibank
Downunder Insurance
Insure and Go
Insure and Go
Kango Cover
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare

Plan A - Comprehensive
International - Essential
Plan C - Backpackers
Gold
Silver
L2 - Rock Wallaby Cover
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive

Unlimited
$25,000
$2,500
Unlimited
$15,000
$10,000
$12,000
Unlimited
$2,500
$5,000
$12,000
Unlimited

$25,000
Unlimited
$20,000
Unlimited
$15,000
Unlimited
$50,000
Unlimited
$37,500
Unlimited
N/A
$5,000,000
$12,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
N/A
Unlimited
$12,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited

$500
Unlimited
$750
$500
$500
$500
Unlimited
$500
$500
Unlimited
Unlimited
$500

Comprehensive - Single Trip Internatio

Essentials -Single Trip International
Plan A - Platinum
Plan B - Silver
Premier
Standard
Plan A - Comprehensive
Go Basic - International
Go Plus - International
Essentials Travel Insurance

Unlimited
$10,000
Unlimited
$10,000
$15,000
$10,000
$10,000
$15,000
$25,000
$10,000

$25,000
N/A
$20,000
N/A
$75,000
$50,000
$30,000
$20,000
$25,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
Unlimited
$10,000,000
$10,000,000
$5,000,000

Unlimited $15,000
Unlimited $5,000
$500
$5,000
$500
$3,000
$2,000
$7,500
$1,000
$6,000
$750
$5,000
$750
$7,500
$1,500 $10,000
$500
$3,000

$5,000
$5,000
$2,000
$8,000
$6,000
$3,000
$10,000
$12,000
$2,500
$5,000
$10,000
$12,000

American Express
American Express
Budget Direct
Budget Direct
Columbus Direct
Columbus Direct
Downunder Insurance
Go Insurance
Go Insurance
Good2Go

Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
Unlimited
$10,000,000
$10,000,000
$5,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 1

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

itrek
itrek
Kango Cover
Medibank
MyCover
NRMA
OUCH
Priceline Protects
Priceline Protects
Real Insurance
Southern Cross Travel Insuranc
Travel Insuranz
Webjet
Webjet
Zuji

Gold
Platinum
L3 - Wallaby Cover
International Comprehensive
Plan A - Comprehensive
International Comprehensive
C Travel Plan
International - Essential
International - Premium
Basics - International
World
Premier
Comprehensive - Plan A
Essentials - Plan B
Comprehensive

$15,000
Unlimited
$12,500
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$10,000
$5,000
$50,000
$5,000
Unlimited
$5,000
Unlimited

$15,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
N/A
Unlimited
$100,000 Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$15,000 $5,000,000
$25,000
Unlimited

Plan A Comprehensive
International Travel
Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Plan A - NZ/Indonesia/Fiji

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited

$25,000
$10,000
$25,000
$25,000
N/A
$10,000
$10,000

Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
$5,000,000
Unlimited

$500
$5,000
$500
$5,000
$500
$5,000
Unlimited $8,000
$500
$7,500
Unlimited $12,000
Unlimited $15,000
Unlimited $1,500
Unlimited $5,000
Unlimited $5,000
$750
$25,000
$500
$3,500
$1,000
$5,000
$1,000
$1,500
$500
$5,000

N/A
$250
$250
$250
$250
$200
N/A
N/A
$200
N/A
$500
$150
$250
$250
$250

$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$1,000
$1,000
$3,500
$3,000
$3,000
$500
$500
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$7,500
Unlimited $6,000
$2,000 $15,000
$500
$7,500
$2,000 $15,000
$500
$3,000
$1,000
$3,000

$250
N/A
$500
$250
N/A
$250
$250

$3,000
$3,000
$3,000
$3,000
$6,000
$1,500
$3,000

1300 Insurance
AAMI
AIG
Allianz
ANZ
Aussie Travel Cover
Aussie Travel Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 2

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$250
$250
$250
$200
$200
N/A
$100
$250
$250
N/A
$250
$500
$250
$250
$250
$250
$250
$500
$750
$400
$250
$250
$250

$3,000
$3,000
$3,000
$3,000
$3,500
$3,500
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$600
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
$4,000
N/A

Australia Post
Big Sky
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Covermore
Covermore
Fastcover
Fastcover
Fastcover
GIO
Good2Go
Greater Building Society
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
Kango Cover
Kango Cover
multitrip.com.au
nab
National Seniors
National Seniors

International Comprehensive
Plan A - Comprehensive
Basic - International
Plan A - Comprehensive
International - Elite
International - Premium
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - International
International Basic
International Premium

Unlimited
Unlimited
$3,000
Unlimited
Unlimited
$50,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500
$15,000
Unlimited
Unlimited
$5,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$20,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
$15,000
Unlimited
N/A
$12,500,000
$50,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited

Unlimited
Unlimited $7,500
Unlimited
$500
$7,500
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000
$6,000
Unlimited
$2,000
$3,000
Unlimited
$500
$7,500
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$1,000
$5,000
Unlimited
$500
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 3

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$200
$250
N/A
N/A
$200
N/A
N/A
N/A
N/A
$200
$250
$250
$250
$250
$250
N/A
$200
$100
$250
$250
$250
$600
$200

$200
$6,000
$3,000
$3,000
$2,000
$6,000
$3,000
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$4,000
$4,000
$3,000
$3,000

NRMA
Onepath
Online Travel Insurance
OUCH
OUCH
OUCH
People's Choice Credit Union
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
STA Travel
STA Travel
STA Travel
Suncorp Bank
Suresave
Suresave
Travel Insuranz
Travellers Choice

International Essentials
International Travel
Plan A - Comprehensive
A Travel Plan
B Travel Plan
Premier Plus Extras
Super
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Budget
Comprehensive
Deluxe
Comprehensive - International

Unlimited
Unlimited
$25,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
$10,000
Unlimited

$10,000 $10,000,000
$1,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$30,000 $10,000,000
$25,000
Unlimited

$10,000,000 10,000,00 $3,000

Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
$10,000,000
$1,000
$7,500
Unlimited
Unlimited $12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 4

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$5,000
$5,000
$7,500
$3,000
$6,000
$10,000
$2,000

$250
N/A
$400
N/A
$250
$250
N/A

$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$500

Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
$300,000
$1,000
$5,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$7,500
$300,000
$1,000
$5,000
Unlimited
$1,000 $12,000
Unlimited
$500
$2,500
Unlimited
$500
$2,500
Unlimited
$500
$2,500
$300,000
$1,000
$5,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$200
N/A
N/A
N/A
N/A
N/A
N/A

$3,000
$4,000
$3,000
$4,000
$2,000
$3,000
$4,000
$300
N/A
$2,000
$4,000
$200
$200
$200
$2,000

Virgin Australia
Virgin Australia
Virgin Money
Virgin Money
Westpac
World Nomads
World Nomads

Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan E
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,500

$25,000
N/A
$25,000
N/A
$25,000
$12,500
N/A

Super
International - Super
Super
Super Plus
Standard
Super
Super Plus
Elements Plan
International - Premier
Standard
Super Plus
Essentials
Essentials
Essentials
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$15,000
Unlimited
Unlimited
$1,000
$1,000
$1,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$20,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited
$15,000
$300,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$500,000

$2,000
$2,000
$500
$500
$1,000
$500
$500

Australian Unity
BUPA
CGU
CGU
HBF Insurance
HBF Insurance
HBF Insurance
HCF Insurance
multitrip.com.au
People's Choice Credit Union
People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 5

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

St.George Bank
St.George Bank
Travellers Choice

Super
Super Plus
Basic - International

Unlimited
Unlimited
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000

Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000

N/A
N/A
N/A

$3,000
$4,000
$3,000

Standard
Super Plus
International - Standard
International - Super Plus
Standard
Elements
International - Essentials

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$3,000

$15,000
$300,000
$25,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
$15,000
$300,000
N/A
$10,000
$10,000 $10,000,000

$300,000
Unlimited
$300,000
Unlimited
$300,000
$10,000,000
$10,000,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A

$2,000
$4,000
$2,000
$3,000
$2,000
$300
N/A

Australian Unity
Australian Unity
BUPA
BUPA
CGU
multitrip.com.au
multitrip.com.au

$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000

$5,000
$12,000
$5,000
$10,000
$5,000
$3,000
$2,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 6

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1Cover Direct
Citibank
Downunder Insurance
Good2Go
Insure and Go
OUCH
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Travel Insuranz
Virgin Money
Worldcare

Plan A - Comprehensive
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
A Travel Plan
World
International
Classic
Premier
Comprehensive - Plan A
Comprehensive

Unlimited
$25,000
$2,500
$10,000
Unlimited
Unlimited
$50,000
Unlimited
$2,500
$5,000
Unlimited
Unlimited

$25,000
Unlimited
$20,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
N/A
$10,000,000
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited

$500
Unlimited
$750
$500
$500
Unlimited
$750
$500
$500
$500
$500
$500

$5,000
$5,000
$2,000
$3,000
$8,000
$15,000
$25,000
$12,000
$2,500
$3,500
$7,500
$12,000

$250
N/A
$500
N/A
$500
N/A
$500
$250
$125
$150
$400
$250

$3,000
$3,500
$3,000
$250
$3,000
$3,000
$3,000
$4,000
$500
$500
$3,000
$3,000

Plan A Comprehensive
International Travel
Comprehensive - Single Trip Internatio
Plan A - Platinum
International - Premium
Plan A - Comprehensive
Plan A - Comprehensive
Plan E - Standard
Go Basic - International
Go Plus - International

Unlimited
Unlimited
Unlimited
Unlimited
$50,000
$10,000
Unlimited
Unlimited
$15,000
$25,000

$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
$20,000 $10,000,000
$25,000 $10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000

$500
$7,500
Unlimited $6,000
Unlimited $15,000
$500
$5,000
Unlimited $10,000
$750
$5,000
$500
$7,500
$500
$5,000
$750
$7,500
$1,500 $10,000

$250
N/A
$250
$250
$200
$500
$250
N/A
$250
$500

$3,000
$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$2,000
$3,000

1300 Insurance
AAMI
American Express
Budget Direct
Citibank
Downunder Insurance
Fastcover
Fastcover
Go Insurance
Go Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 7

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
$6,000
$500
$5,000
$500
$7,500
Unlimited $5,000
Unlimited $15,000
Unlimited $10,000
Unlimited $6,000
$1,000
$7,500
$500
$3,000
$1,000
$1,500
Unlimited $5,000
Unlimited $10,000
$500
$5,000

$250
$250
$250
$200
N/A
$250
$100
$600
N/A
$250
N/A
$250
$250

$2,000
$3,000
$3,000
$3,500
$3,000
$3,000
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000

$2,000
$500
Unlimited
$2,000
Unlimited
$1,000
$500
$500
$1,000

$500
$250
N/A
N/A
$250
N/A
$250
N/A
N/A

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$3,000
$4,000

Insure and Go
itrek
MyCover
Priceline Protects
QBE
Real Insurance
STA Travel
Travel Insuranz
Virgin Money
Webjet
Woolworths
Woolworths
Zuji

Silver
Platinum
Plan A - Comprehensive
International - Premium
A Travel
Comprehensive - International
Essentials - International
Deluxe
Essentials - Plan E
Essentials - Plan B
Basic
Comprehensive
Comprehensive

$15,000
Unlimited
Unlimited
$10,000
Unlimited
$12,000
Unlimited
$10,000
Unlimited
$5,000
$5,000
$12,000
Unlimited

$37,500
Unlimited
$15,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$12,000
Unlimited
$20,000
Unlimited
$30,000 $10,000,000
N/A
Unlimited
$15,000 $5,000,000
N/A
Unlimited
$12,000
Unlimited
$25,000
Unlimited

Platinum (F12)
Plan A - Comprehensive
Essentials -Single Trip International
International
International Comprehensive
Super
Plan A - Comprehensive
Plan B - Silver
International - Super

Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$25,000
$25,000
N/A
N/A
$25,000
$25,000
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited

AIG
Allianz
American Express
ANZ
Australia Post
Australian Unity
Big Sky
Budget Direct
BUPA

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$15,000
$7,500
$5,000
$15,000
$7,500
$10,000
$7,500
$3,000
$12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 8

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000 $10,000
Unlimited
Unlimited $30,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
Unlimited
$2,000
$3,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
Unlimited $8,000
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500

N/A
$200
$1,000
$500
N/A
$100
$250
$250
$500
$250
N/A
N/A
$250
$250
$250
$250
N/A
N/A
$250
$500
$750
$250
$400
$250

$3,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$600
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
$3,000
N/A
$3,000

CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
GIO
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
Medibank
multitrip.com.au
nab

Super
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
International - Premier Plus
Plan A - International

Unlimited
Unlimited
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
$10,000
$12,500
$12,500
$15,000
Unlimited
Unlimited
Unlimited

$25,000
$100,000
$75,000
$50,000
$10,000
$20,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$15,000
$15,000
$15,000
N/A
N/A
N/A
$50,000
$25,000
$25,000
$25,000

Unlimited
Unlimited
$20,000,000
$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 9

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
$200
$250
$200
N/A
N/A
N/A
$200
$250
N/A
$250
$250
N/A
N/A
$200
$250
$250
N/A
$250
$250
$250
N/A

$3,000
$200
$6,000
$3,000
$6,000
$3,000
$4,000
$1,000
$6,000
$2,500
$3,000
$3,000
$3,000
$3,000
$1,000
$3,500
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500

NRMA
NRMA
Onepath
Online Travel Insurance
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
QBE
RAC
Real Insurance
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads

International Comprehensive
International Essentials
International Travel
Plan A - Comprehensive
Premier Plus Extras
Super
Super Plus
International - Essential
Premier Plus Extras
Premium
Basics - International
Plan A - Comprehensive
Plan A - International
Super
Basic - International
Comprehensive - International
Holiday Travel Insurance - Single Trip
Comprehensive
Essentials
Comprehensive - Plan A
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
$25,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,500

$25,000
Unlimited
$10,000 $10,000,000
$1,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$12,500
Unlimited
N/A
$5,000,000

Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
Unlimited $5,000
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$1,000
$6,000
Unlimited
$2,000
$5,000
Unlimited
$2,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$6,000
Unlimited
$500
$10,000
$500,000
$500
$2,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 10

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Aussie Travel Cover
Australian Unity
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
multitrip.com.au
National Seniors
National Seniors
RAC
RACQ
RACV
St.George Bank
Suresave
Travellers Choice
Travellers Choice

Basic - Super Plus

Plan A - Super Plus
Super Plus
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
International - Premier
International Basic
International Premium
Essentials
Premium
Premium
Super Plus
Comprehensive
Basic - International
Comprehensive - International

$3,000
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited
$15,000
$5,000
Unlimited
$1,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited

Unlimited
$500
$3,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
$1,000
$7,500
Unlimited
$1,000
$5,000
Unlimited
$500
$7,500
Unlimited
$500
$2,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000 $12,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000

$250
$250
N/A
N/A
N/A
$250
$250
$200
$250
$250
N/A
$250
$250
N/A
$250
N/A
$200

$1,500
$4,000
$4,000
$3,000
$4,000
$3,000
$3,000
N/A
$4,000
N/A
$200
$2,500
$2,500
$4,000
$4,000
$3,000
$3,000

Elements Plan
Elements
International - Essentials
Essentials
Essentials

$10,000
$10,000
$3,000
$1,000
$1,000

N/A
$10,000,000
N/A
$10,000
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited

$10,000,000 10,000,00
$10,000,000
$1,000
$10,000,000
$1,000
Unlimited
$500
Unlimited
$500

N/A
N/A
N/A
N/A
N/A

$300
$300
N/A
$200
$200

HCF Insurance
multitrip.com.au
multitrip.com.au
RACQ
RACV

$3,000
$3,000
$2,000
$2,500
$2,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 11

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Unlimited

Unlimited

Theft of
Cash

Item Limit
Laptop

$250

$4,000

Suresave

Budget

$5,000

N/A

$1,000

$5,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 12

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1300 Insurance
1Cover Direct
Good2Go
Insure and Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Virgin Money
Woolworths
Worldcare
Zuji

Plan A Comprehensive
Plan A - Comprehensive
Essentials Travel Insurance
Gold
Silver
B Travel Plan
Comprehensive - International
World
International
Comprehensive - Plan A
Comprehensive
Comprehensive
Comprehensive

Unlimited
Unlimited
$10,000
Unlimited
$15,000
Unlimited
$12,000
$50,000
Unlimited
Unlimited
$12,000
Unlimited
Unlimited

$25,000
Unlimited
$25,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
$18,000
Unlimited
$12,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$25,000
Unlimited
$12,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
$500
$500
$500
Unlimited
Unlimited
$750
$500
$500
Unlimited
$500
$500

$7,500
$5,000
$3,000
$8,000
$6,000
$15,000
$10,000
$25,000
$12,000
$7,500
$10,000
$12,000
$5,000

$250
$250
N/A
$500
$250
N/A
$250
$500
$250
$400
$250
$250
$250

$3,000
$3,000
$250
$3,000
$2,000
$2,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$3,000

International Comprehensive
International - Essential
Plan A - Comprehensive
Plan C - Backpackers
Plan A - Comprehensive
Plan E - Standard
One-Trip Plans - F12, C12, D12, E12
L2 - Rock Wallaby Cover
L3 - Wallaby Cover

Unlimited
$25,000
$10,000
$2,500
Unlimited
Unlimited
Unlimited
$10,000
$12,500

$25,000
$20,000
$30,000
$15,000
$25,000
$15,000
$25,000
N/A
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000

Unlimited
Unlimited
$750
$750
$500
$500
$2,000
$500
$500

$7,500
$5,000
$5,000
$2,000
$7,500
$5,000
$3,000
$3,000
$5,000

$250
N/A
$500
$500
$250
N/A
$500
N/A
$250

$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$600
$250
$3,000

Australia Post
Citibank
Downunder Insurance
Downunder Insurance
Fastcover
Fastcover
Good2Go
Kango Cover
Kango Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 13

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$200
N/A
$250
N/A
$200
N/A
N/A
$125
$250
N/A
$250
$250
N/A

$3,000
$3,000
$200
$3,000
$3,000
$3,500
$2,000
$3,000
$500
$3,000
$3,000
$500
$500
$3,000

N/A
$500
$250
$250
N/A
N/A
$250
$250

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000

Medibank
NRMA
NRMA
Online Travel Insurance
OUCH
Priceline Protects
QBE
Real Insurance
Travel Insuranz
Virgin Australia
Virgin Money
Webjet
Webjet
Woolworths

International Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan
International - Premium
B Travel
Basics - International
Classic
Comprehensive
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic

Unlimited
Unlimited
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$5,000
$2,500
Unlimited
Unlimited
Unlimited
$5,000
$5,000

$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
N/A
Unlimited
N/A
$10,000,000
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000
N/A
Unlimited

International Travel
Silver (D12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Standard
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$3,000
Unlimited

$10,000
$25,000
$25,000
$25,000
N/A
N/A
$10,000
$25,000

Unlimited
Unlimited $8,000
Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $5,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $5,000
$10,000,000
$500
$2,500
Unlimited
$2,000
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000
$5,000
$5,000,000
$1,000
$1,500
Unlimited
Unlimited $5,000

AAMI
AIG
Allianz
American Express
American Express
ANZ
Aussie Travel Cover
Big Sky

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited $6,000
$2,000 $15,000
$500
$7,500
Unlimited $15,000
Unlimited $5,000
$2,000 $15,000
$500
$3,000
$500
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 14

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000 $10,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$500
$5,000

$250
N/A
N/A
$250
$250
$200
$200
$1,000
$500
N/A
$100
$250
$250
$250
$500
$250
N/A
N/A
$250
$250
$250
$250
N/A
$250

$3,000
$3,000
$3,000
$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000

Budget Direct
Budget Direct
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
itrek

Plan A - Platinum
Plan B - Silver
Super
Basic - International
Plan A - Comprehensive
International - Elite
International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
Platinum

Unlimited
$10,000
Unlimited
$3,000
Unlimited
Unlimited
$50,000
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
Unlimited

$20,000
N/A
$25,000
$10,000
$25,000
$100,000
$25,000
$75,000
$50,000
$10,000
$20,000
$25,000
$25,000
$20,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000
$15,000
$15,000
$15,000
$15,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 15

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
$750
$400
$250
$250
$250
$200
$200
N/A
N/A
N/A
N/A
$200
$250
$250
$250
$250
$250
N/A
N/A
$200
$100
$250
$600

$3,000
$3,000
N/A
$3,000
$3,000
N/A
$6,000
$6,000
$2,000
$3,000
$1,000
$3,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000

Kango Cover
Kango Cover
multitrip.com.au
MyCover
nab
National Seniors
Onepath
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz

L4 - Eastern Grey Cover

L5 - Big Red Cover
International - Premier Plus
Plan A - Comprehensive
Plan A - International
International Premium
International Travel
Premier Plus Extras
Standard
Super
International - Essential
A Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe

$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000

N/A
$12,500,000
$50,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$1,000
Unlimited
$25,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000 $10,000,000

$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$2,000 $15,000
Unlimited
Unlimited $15,000
$300,000
$1,000
$5,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
$10,000,000
$1,000
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 16

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Travel Insuranz
Virgin Australia
Westpac
World Nomads
World Nomads

Premier
Essentials
Holiday Travel Insurance
Explorer
Standard

$5,000
Unlimited
Unlimited
Unlimited
$3,500

$10,000 $10,000,000
N/A
Unlimited
$25,000
Unlimited
$12,500
Unlimited
N/A
$5,000,000

$10,000,000
Unlimited
Unlimited
Unlimited
$500,000

$500
$2,000
$1,000
$500
$500

$3,500
$5,000
$6,000
$10,000
$2,000

$150
N/A
$250
$250
N/A

$500
$3,000
$3,000
$2,000
$500

Plan A - Standard
Standard
Super
International - Super
Standard
Super Plus
Standard
Super Plus
Elements
International - Premier
International Basic
Super Plus
Essentials
Standard
Super Plus
Budget
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$15,000
$5,000
Unlimited
$1,000
Unlimited
Unlimited
$5,000
Unlimited

$15,000
$15,000
$25,000
$25,000
$15,000
$25,000
$15,000
$25,000
N/A
$20,000
N/A
$25,000
$10,000
$15,000
$25,000
N/A
$25,000

Unlimited
$300,000
Unlimited
Unlimited
$300,000
Unlimited
$300,000
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$500
$1,000
$1,000
$1,000
$1,000

$5,000
$5,000
$10,000
$12,000
$5,000
$12,000
$5,000
$12,000
$3,000
$7,500
$5,000
$12,000
$2,500
$5,000
$12,000
$5,000
$12,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$200
$250
N/A
N/A
N/A
N/A
$250
$250

$4,000
$2,000
$3,000
$4,000
$2,000
$4,000
$2,000
$4,000
$300
N/A
$4,000
$4,000
$200
$2,000
$4,000
$4,000
$4,000

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
CGU
CGU
HBF Insurance
HBF Insurance
multitrip.com.au
multitrip.com.au
National Seniors
People's Choice Credit Union
RAC
St.George Bank
St.George Bank
Suresave
Suresave

Unlimited
$300,000
Unlimited
Unlimited
$300,000
Unlimited
$300,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 17

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited

Unlimited

Unlimited $12,000

$200

$3,000

Unlimited
$1,000 $12,000
$300,000
$1,000
$5,000
Unlimited
$1,000 $10,000
$10,000,000
$1,000
$2,000
Unlimited
$500
$2,500
Unlimited
$500
$2,500
$10,000,000 10,000,00 $3,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A

$4,000
$2,000
$3,000
N/A
$200
$200
$3,000

Travellers Choice

Comprehensive - International

Unlimited

$25,000

Super Plus
International - Standard
International - Super Plus
International - Essentials
Essentials
Essentials
Basic - International

Unlimited
Unlimited
Unlimited
$3,000
$1,000
$1,000
Unlimited

$25,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited
$10,000 $10,000,000

Australian Unity
BUPA
BUPA
multitrip.com.au
RACQ
RACV
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 18

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1Cover Direct
American Express
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare
Zuji

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
Basics - International
Comprehensive - International
New Zealand / South Pacific
International
Classic
Comprehensive
Comprehensive

Unlimited
Unlimited
$2,500
$10,000
Unlimited
$15,000
$10,000
$5,000
$12,000
$50,000
Unlimited
$2,500
Unlimited
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
N/A
$5,000,000
N/A
Unlimited
$12,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

$500
Unlimited
$750
$500
$500
$500
$500
Unlimited
Unlimited
$750
$500
$500
$500
$500

$5,000
$15,000
$2,000
$3,000
$8,000
$6,000
$3,000
$5,000
$10,000
$25,000
$12,000
$2,500
$12,000
$5,000

$250
$250
$500
N/A
$500
$250
N/A
N/A
$250
$500
$250
$125
$250
$250

$3,000
$3,000
$3,000
$250
$3,000
$2,000
$250
$3,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Essentials -Single Trip International
International Comprehensive
Plan A - Platinum
Plan B - Silver
Premier
Standard
Plan A - Comprehensive

Unlimited
$10,000
Unlimited
Unlimited
$10,000
$15,000
$10,000
$10,000

$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$75,000 $20,000,000
$50,000 $12,500,000
$30,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
Unlimited

$500
Unlimited
Unlimited
$500
$500
$2,000
$1,000
$750

$7,500
$5,000
$7,500
$5,000
$3,000
$7,500
$6,000
$5,000

$250
N/A
$250
$250
N/A
$1,000
$500
$500

$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
American Express
Australia Post
Budget Direct
Budget Direct
Columbus Direct
Columbus Direct
Downunder Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 19

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$500
$250
$250
$250
$200
N/A
$250
N/A
$250
$600
$150
$250
$400
$250
$250

$3,000
$3,000
$600
$3,000
$3,000
$3,000
$3,000
$200
$3,000
$1,000
$3,000
$3,000
$500
$3,000
$3,000
$500
$500

N/A
$500
$250
N/A
$250

$3,000
$3,000
$3,000
$6,000
$1,500

Fastcover
Fastcover
Good2Go
itrek
Kango Cover
Medibank
NRMA
NRMA
Online Travel Insurance
OUCH
Simply Travel Insurance
Travel Insuranz
Travel Insuranz
Virgin Australia
Virgin Money
Webjet
Webjet

Plan A - Comprehensive
Plan E - Standard
One-Trip Plans - F12, C12, D12, E12
Platinum
L3 - Wallaby Cover
International Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
C Travel Plan
Plan A - Comprehensive
Deluxe
Premier
Comprehensive
Comprehensive - Plan A
Comprehensive - Plan A
Essentials - Plan B

Unlimited
Unlimited
Unlimited
Unlimited
$12,500
Unlimited
Unlimited
Unlimited
$25,000
Unlimited
Unlimited
$10,000
$5,000
Unlimited
Unlimited
Unlimited
$5,000

$25,000
Unlimited
$15,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$30,000 $10,000,000
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000 $5,000,000

International Travel
Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji

Unlimited
Unlimited
Unlimited
Unlimited
$3,000

$10,000
$25,000
$25,000
N/A
$10,000

Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$2,000
$3,000
Unlimited
$500
$5,000
$5,000,000
$500
$5,000
Unlimited
Unlimited $8,000
Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
$10,000,000
$1,000
$7,500
$10,000,000
$500
$3,500
Unlimited
$2,000
$5,000
Unlimited
$500
$7,500
Unlimited
$1,000
$5,000
$5,000,000
$1,000
$1,500

AAMI
AIG
Allianz
ANZ
Aussie Travel Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited $6,000
$2,000 $15,000
$500
$7,500
$2,000 $15,000
$500
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 20

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$250
N/A
N/A
$250
$250
$200
N/A
$200
$100
$250
$250
$250
$500
$250
N/A
$250
$250
$250
$250
N/A
$500
$750

$3,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$3,500
$3,500
$3,500
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

Aussie Travel Cover

Australian Unity
Big Sky
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Citibank
Covermore
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover

Plan A - NZ/Indonesia/Fiji
Super
Plan A - Comprehensive
International - Super
Super
Basic - International
Plan A - Comprehensive
International - Elite
International - Essential
International - Premium
Travelsure - International
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited
Unlimited
$25,000
$50,000
$5,000
Unlimited
Unlimited
$15,000
$25,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
$12,500
$15,000

$10,000
$25,000
$25,000
$25,000
$25,000
$10,000
$25,000
$100,000
$20,000
$25,000
$20,000
$25,000
$25,000
$20,000
$25,000
$25,000
N/A
$25,000
$25,000
$15,000
$15,000
$15,000
N/A
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited

Unlimited
$1,000
$3,000
Unlimited
$1,000 $10,000
Unlimited
$500
$7,500
Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $5,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 21

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$400
$250
$250
$250
$250
$200
N/A
N/A
$200
N/A
N/A
N/A
N/A
$200
N/A
N/A
N/A
$200
$250
$250
$250
$250
N/A

$300
N/A
$3,000
$3,000
$4,000
N/A
$6,000
$3,000
$2,000
$6,000
$500
$3,000
$4,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000

multitrip.com.au
multitrip.com.au
MyCover
nab
National Seniors
National Seniors
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Ski Insurance
St.George Bank

Elements
International - Premier Plus
Plan A - Comprehensive
Plan A - International
International Basic
International Premium
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Super
Super Plus
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - International
Super

$10,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

N/A
$25,000
$25,000
$25,000
N/A
$25,000
$1,000
$25,000
$18,000
$25,000
$10,000
$25,000
$25,000
N/A
$25,000
$25,000
$18,000
$10,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000

$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$500
$500
$1,000
$500
$2,000
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$1,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$500
$500
$500
$500
$1,000

$3,000
$12,000
$7,500
$7,500
$5,000
$7,500
$15,000
$15,000
$15,000
$15,000
$3,500
$10,000
$12,000
$1,500
$5,000
$15,000
$15,000
$15,000
$15,000
$7,500
$7,500
$7,500
$5,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 22

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

STA Travel
STA Travel
STA Travel
Suncorp Bank
Suresave
Suresave
Travellers Choice
Virgin Australia
Virgin Money
Westpac
Woolworths
Woolworths

Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Budget
Comprehensive
Comprehensive - International
Essentials
Essentials - Plan E
Holiday Travel Insurance
Basic
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$12,000

$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
N/A
Unlimited
$25,000
Unlimited
N/A
Unlimited
$12,000
Unlimited

$10,000,000 10,000,00 $3,000

Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$2,000
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000
$6,000
Unlimited
Unlimited $5,000
Unlimited
Unlimited $10,000

N/A
$200
$100
$250
$250
$250
$200
N/A
N/A
$250
N/A
$250

$1,000
$3,500
$2,500
$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

Economy
Super Plus
International - Economy
International - Super Plus
Economy
Standard
Super Plus
Essentials - International
Economy
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited

$10,000
$100,000
$25,000
Unlimited
$10,000
$100,000
$25,000
Unlimited
$10,000
$100,000
$15,000
$300,000
$25,000
Unlimited
$10,000 $10,000,000
$10,000
$100,000
$15,000
$300,000

$100,000
$1,000
$3,500
Unlimited
$1,000 $12,000
$100,000
$1,000
$3,500
Unlimited
$1,000 $10,000
$100,000
$1,000
$3,500
$300,000
$1,000
$5,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
$100,000
$1,000
$3,500
$300,000
$1,000
$5,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$500
$4,000
$500
$3,000
$500
$2,000
$4,000
$200
$500
$2,000

Australian Unity
Australian Unity
BUPA
BUPA
CGU
CGU
CGU
Covermore
HBF Insurance
HBF Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 23

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
$300,000
Unlimited
Unlimited
$100,000
$300,000
Unlimited
Unlimited

Unlimited
Unlimited
$300,000
Unlimited
Unlimited
$100,000
$300,000
Unlimited
Unlimited

$10,000
$12,000
$5,000
$2,500
$2,500
$3,500
$5,000
$12,000
$10,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250

$3,000
$4,000
$2,000
$200
$200
$500
$2,000
$4,000
$2,000

$5,000
$5,000
$2,000
$7,500
$2,500
$3,000
$2,000

N/A
N/A
N/A
$200
N/A
N/A
N/A

$2,000
$2,000
N/A
N/A
$200
$3,000
$500

HBF Insurance
HBF Insurance
People's Choice Credit Union
RACQ
RACV
St.George Bank
St.George Bank
St.George Bank
World Nomads

Super
Super Plus
Standard
Essentials
Essentials
Economy
Standard
Super Plus
Explorer

Unlimited
Unlimited
Unlimited
$1,000
$1,000
Unlimited
Unlimited
Unlimited
Unlimited

$25,000
$25,000
$15,000
$10,000
$10,000
$10,000
$15,000
$25,000
$12,500

Standard
International - Standard
International - Essentials
International - Premier
Essentials
Basic - International
Standard

Unlimited
Unlimited
$3,000
$15,000
$1,000
Unlimited
$3,500

$15,000
$300,000
$15,000
$300,000
$10,000 $10,000,000
$20,000
Unlimited
$10,000
Unlimited
$10,000 $10,000,000
N/A
$5,000,000

$1,000
$1,000
$1,000
$500
$500
$1,000
$1,000
$1,000
$500

Australian Unity
BUPA
multitrip.com.au
multitrip.com.au
RAC
Travellers Choice
World Nomads

$300,000
$1,000
$300,000
$1,000
$10,000,000
$1,000
Unlimited
$1,000
Unlimited
$500
$10,000,000 10,000,00
$500,000
$500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 24

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1Cover Direct
Citibank
Downunder Insurance
Good2Go
Insure and Go
Online Travel Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money
Worldcare

Plan A - Comprehensive
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
Plan A - Comprehensive
World
International
Classic
Comprehensive - Plan A
Comprehensive

Unlimited
$25,000
$2,500
$10,000
Unlimited
$25,000
$50,000
Unlimited
$2,500
Unlimited
Unlimited

$25,000
Unlimited
$20,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

$500
$5,000
Unlimited $5,000
$750
$2,000
$500
$3,000
$500
$8,000
$1,000
$5,000
$750
$25,000
$500
$12,000
$500
$2,500
$500
$7,500
$500
$12,000

$250
N/A
$500
N/A
$500
$250
$500
$250
$125
$400
$250

$3,000
$3,500
$3,000
$250
$3,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Platinum
Plan B - Silver
Plan A - Comprehensive
Plan E - Standard
One-Trip Plans - F12, C12, D12, E12
Silver
Platinum
L2 - Rock Wallaby Cover

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$10,000
Unlimited
Unlimited
$15,000
Unlimited
$10,000

$25,000
$25,000
$25,000
$20,000
N/A
$30,000
$15,000
$25,000
$37,500
$15,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

$500
$500
Unlimited
$500
$500
$750
$500
$2,000
$500
$500
$500

$250
$250
$250
$250
N/A
$500
N/A
$500
$250
$250
N/A

$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$600
$2,000
$3,000
$250

1300 Insurance
Allianz
Australia Post
Budget Direct
Budget Direct
Downunder Insurance
Fastcover
Good2Go
Insure and Go
itrek
Kango Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

$7,500
$7,500
$7,500
$5,000
$3,000
$5,000
$5,000
$3,000
$6,000
$5,000
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 25

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$250
$200
N/A
N/A
$200
$250
$250
N/A
$250
$250
$250

$3,000
$3,000
$3,000
$200
$3,000
$3,500
$3,000
$3,000
$3,000
$500
$3,000
$3,000

N/A
$500
$250
N/A
N/A
$250
N/A
$250
N/A
$200

$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000
$3,000
$3,000
$3,500

Medibank
MyCover
NRMA
NRMA
OUCH
Priceline Protects
Real Insurance
Simply Travel Insurance
Virgin Money
Webjet
Woolworths
Zuji

International Comprehensive
Plan A - Comprehensive
International Comprehensive
International Essentials
A Travel Plan
International - Premium
Comprehensive - International
Plan A - Comprehensive
Essentials - Plan E
Essentials - Plan B
Comprehensive
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$12,000
Unlimited
Unlimited
$5,000
$12,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
$12,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$15,000 $5,000,000
$12,000
Unlimited
$25,000
Unlimited

International Travel
Gold (C12)
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Super
Super
Plan A - Comprehensive
Super
International - Elite

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$3,000
Unlimited
Unlimited
Unlimited
Unlimited

$10,000
$25,000
$25,000
N/A
N/A
$10,000
$25,000
$25,000
$25,000
$100,000

Unlimited
Unlimited $8,000
Unlimited
$500
$7,500
Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $5,000
Unlimited
Unlimited $10,000
Unlimited
$500
$7,500
Unlimited
$500
$3,000
$5,000,000
$1,000
$1,500
Unlimited
Unlimited $10,000
Unlimited
$500
$5,000

AAMI
AIG
American Express
American Express
ANZ
Aussie Travel Cover
Australian Unity
Big Sky
CGU
Citibank

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$2,000
Unlimited
Unlimited
$2,000
$500
$1,000
$500
$1,000
Unlimited

$6,000
$15,000
$15,000
$5,000
$15,000
$3,000
$10,000
$7,500
$10,000
$30,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 26

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $10,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$2,000 $15,000

$200
$1,000
$500
N/A
$100
$250
$250
$250
$250
$500
$250
N/A
$250
$250
$250
$250
N/A
$250
$500
$750
$400
$250
$250
$200

$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
N/A
$6,000

Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
nab
National Seniors
Onepath

International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Super
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - International
International Premium
International Travel

$50,000
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
$12,500
$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited

$25,000
$75,000
$50,000
$10,000
$20,000
$25,000
$25,000
$25,000
$20,000
$25,000
$25,000
$25,000
$25,000
$25,000
$15,000
$15,000
$15,000
N/A
N/A
$50,000
$25,000
$25,000
$25,000
$1,000

Unlimited
$20,000,000
$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 27

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
N/A
N/A
$200
$250
$250
N/A
$250
N/A
N/A
$200
$100
$250
$600
$150
$200
$250
N/A
$250
$250
N/A
$250

$6,000
$3,000
$1,000
$3,000
$6,000
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$2,000

OUCH
People's Choice Credit Union
Priceline Protects
QBE
QBE
RAC
RACQ
Real Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
Woolworths
World Nomads

Premier Plus Extras

Super
International - Essential
A Travel
Premier Plus Extras
Premium
Premium
Basics - International
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Comprehensive - Plan A
Holiday Travel Insurance
Basic
Explorer

Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000 $10,000,000
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$12,500
Unlimited

Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
Unlimited $5,000
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
$10,000,000
$1,000
$7,500
$10,000,000
$500
$3,500
Unlimited
Unlimited $12,000
Unlimited
$2,000
$5,000
Unlimited
$2,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$6,000
Unlimited
Unlimited $5,000
Unlimited
$500
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 28

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Australian Unity
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
HBF Insurance
HCF Insurance
multitrip.com.au
National Seniors
People's Choice Credit Union
RAC
RACV
St.George Bank
Suresave
Travellers Choice
World Nomads

Plan A - Super
Super Plus
International - Super
Super Plus
Basic - International
Plan A - Comprehensive
Super Plus
Elements Plan
International - Premier
International Basic
Super Plus
Essentials
Premium
Super Plus
Comprehensive
Basic - International
Standard

Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited
Unlimited
$10,000
$15,000
$5,000
Unlimited
$1,000
Unlimited
Unlimited
Unlimited
Unlimited
$3,500

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$20,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
N/A
$5,000,000

Unlimited
$1,000
$8,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $12,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$7,500
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
Unlimited
$500
$2,500
Unlimited
$500
$7,500
Unlimited
$1,000 $12,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
$500,000
$500
$2,000

$250
N/A
N/A
N/A
$250
$250
N/A
N/A
$200
$250
N/A
N/A
$250
N/A
$250
N/A
N/A

$4,000
$4,000
$4,000
$4,000
$3,000
$3,000
$4,000
$300
N/A
$4,000
$4,000
$200
$2,500
$4,000
$4,000
$3,000
$500

International - Super Plus

Elements
International - Essentials
Essentials
Essentials

Unlimited
$10,000
$3,000
$1,000
$1,000

$25,000
Unlimited
N/A
$10,000
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited

Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited

N/A
N/A
N/A
N/A
N/A

$3,000
$300
N/A
$200
$200

BUPA
multitrip.com.au
multitrip.com.au
RACQ
RACV

$1,000
$1,000
$1,000
$500
$500

$10,000
$3,000
$2,000
$2,500
$2,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 29

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Unlimited

Unlimited

Theft of
Cash

Item Limit
Laptop

$250

$4,000

Suresave

Budget

$5,000

N/A

$1,000

$5,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 30

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1300 Insurance
Citibank
Insure and Go
Insure and Go
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare
Zuji

Plan A Comprehensive
International - Essential
Gold
Silver
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive
Comprehensive

Unlimited
$25,000
Unlimited
$15,000
$12,000
Unlimited
$2,500
$5,000
$12,000
Unlimited
Unlimited

$25,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$37,500
Unlimited
$12,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
N/A
Unlimited
$12,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited

$7,500
$5,000
$8,000
$6,000
$10,000
$12,000
$2,500
$5,000
$10,000
$12,000
$5,000

$250
N/A
$500
$250
$250
$250
$125
N/A
$250
$250
$250

$3,000
$3,500
$3,000
$2,000
$3,000
$4,000
$500
$3,000
$3,000
$3,000
$3,000

Plan A - Comprehensive
International Comprehensive
International - Premium
Plan C - Backpackers
Essentials Travel Insurance
International Comprehensive
Plan A - Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan

Unlimited
Unlimited
$50,000
$2,500
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$25,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$500
$5,000
Unlimited
Unlimited $7,500
Unlimited
Unlimited $10,000
Unlimited
$750
$2,000
$5,000,000
$500
$3,000
Unlimited
Unlimited $8,000
Unlimited
$500
$7,500
Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000

$250
$250
$200
$500
N/A
$250
$250
$200
N/A
$250
N/A

$3,000
$3,000
$3,500
$3,000
$250
$3,000
$3,000
$3,000
$200
$3,000
$3,000

$500
Unlimited
$500
$500
Unlimited
$500
$500
Unlimited
Unlimited
$500
$500

1Cover Direct
Australia Post
Citibank
Downunder Insurance
Good2Go
Medibank
MyCover
NRMA
NRMA
Online Travel Insurance
OUCH

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 31

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
N/A
$250
$500
$150
$250
$400
$250
N/A

$3,500
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$2,000
$500

N/A
$500
$250
$250
N/A
N/A
$250
$250
$250
N/A
$200
$1,000

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000
$3,000
$3,000
$3,500
$3,000

Priceline Protects
QBE
Real Insurance
Simply Travel Insurance
Southern Cross Travel Insuranc
Travel Insuranz
Virgin Australia
Virgin Money
World Nomads
World Nomads

International - Premium
A Travel
Basics - International
Plan A - Comprehensive
Superworld
Premier
Comprehensive
Comprehensive - Plan A
Explorer
Standard

$10,000
Unlimited
$5,000
Unlimited
$50,000
$5,000
Unlimited
Unlimited
Unlimited
$3,500

$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$25,000
Unlimited
$12,500
Unlimited
N/A
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$500,000

Unlimited $5,000
Unlimited $15,000
Unlimited $5,000
$500
$7,500
$750
$25,000
$500
$3,500
$2,000
$5,000
$500
$7,500
$500
$10,000
$500
$2,000

International Travel
Gold (C12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Super
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver
International - Elite
Premier

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$3,000
Unlimited
Unlimited
$10,000
Unlimited
$15,000

$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
N/A
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$100,000 Unlimited
$75,000 $20,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000

Unlimited
$2,000
$500
Unlimited
Unlimited
$2,000
$500
$500
$500
$500
Unlimited
$2,000

AAMI
AIG
Allianz
American Express
American Express
ANZ
Aussie Travel Cover
Big Sky
Budget Direct
Budget Direct
Citibank
Columbus Direct

$6,000
$15,000
$7,500
$15,000
$5,000
$15,000
$3,000
$7,500
$5,000
$3,000
$30,000
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 32

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
N/A
$100
$500
$250
$250
N/A
$250
$250
$500
$500
$250
N/A
$250
$250
$250
N/A
$250
N/A
$250
$500
$750
N/A
$400

$3,000
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
$300
N/A

Columbus Direct
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
multitrip.com.au

Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Gold
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
Elements
International - Premier Plus

$10,000
$5,000
$5,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$15,000
Unlimited
$10,000
$12,500
$12,500
$15,000
$10,000
Unlimited

$50,000
$10,000
$20,000
$30,000
$25,000
$25,000
$15,000
$25,000
$20,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000
$15,000
$15,000
$15,000
N/A
N/A
N/A
$50,000
N/A
$25,000

$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000
$12,500,000
Unlimited
$10,000
Unlimited

$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$750
$5,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$2,000
$3,000
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$500
$5,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
$10,000,000
$1,000
$3,000
Unlimited
$1,000 $12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 33

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$250
$200
$200
N/A
$200
$250
$250
$250
N/A
$200
$100
$250
$600
N/A
N/A
$250
$250

$3,000
N/A
$6,000
$6,000
$1,000
$6,000
$2,500
$2,500
$2,500
$1,000
$3,500
$2,500
$4,000
$3,000
$3,000
$3,000
$500
$500

$250
N/A
$250
$250

$4,000
$4,000
$3,000
$3,000

nab
National Seniors
Onepath
OUCH
Priceline Protects
QBE
RAC
RACQ
RACV
STA Travel
STA Travel
STA Travel
Suresave
Travel Insuranz
Virgin Australia
Virgin Money
Webjet
Webjet

Plan A - International
International Premium
International Travel
Premier Plus Extras
International - Essential
Premier Plus Extras
Premium
Premium
Premium
Basic - International
Comprehensive - International
Essentials - International
Comprehensive
Deluxe
Essentials
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B

Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$5,000

$25,000
Unlimited
$25,000
Unlimited
$1,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000 $10,000,000
N/A
Unlimited
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000

Plan A - Super
Super Plus
Basic - International
Plan A - Comprehensive

Unlimited
Unlimited
$3,000
Unlimited

$25,000
$25,000
$10,000
$25,000

Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$2,000 $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000 $12,000
$10,000,000
$1,000
$7,500
Unlimited
$2,000
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000
$5,000
$5,000,000
$1,000
$1,500

Aussie Travel Cover

CGU
CHI Travel Insurance
CHI Travel Insurance

Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$500
$500

$8,000
$12,000
$3,000
$8,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 34

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$12,000
$7,500
$7,500
$5,000
$12,000
$2,500
$5,000
$12,000
$6,000
$5,000
$12,000
$6,000

N/A
$250
$200
$250
N/A
N/A
$250
N/A
$250
$250
$200
$250

$4,000
$3,000
N/A
$4,000
$4,000
$200
$3,000
$4,000
$3,000
$4,000
$3,000
$3,000

Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
$10,000,000
$1,000
$2,000
Unlimited
$500
$2,500
Unlimited
$500
$2,500
$10,000,000 10,000,00 $3,000

N/A
N/A
N/A
N/A
N/A
N/A

$4,000
$3,000
N/A
$200
$200
$3,000

HBF Insurance
Hume Building Society
multitrip.com.au
National Seniors
People's Choice Credit Union
RAC
Ski Insurance
St.George Bank
Suncorp Bank
Suresave
Travellers Choice
Westpac

Super Plus
Plan D - Snow Cover
International - Premier
International Basic
Super Plus
Essentials
Plan A - International
Super Plus
Holiday Travel Insurance - Single Trip
Budget
Comprehensive - International
Holiday Travel Insurance

Unlimited
Unlimited
$15,000
$5,000
Unlimited
$1,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited

$25,000
$15,000
$20,000
N/A
$25,000
$10,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000

Super Plus
International - Super Plus
International - Essentials
Essentials
Essentials
Basic - International

Unlimited
Unlimited
$3,000
$1,000
$1,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited
$10,000 $10,000,000

$1,000
$500
$1,000
$1,000
$1,000
$500
$500
$1,000
$1,000
$1,000
Unlimited
$1,000

Australian Unity
BUPA
multitrip.com.au
RACQ
RACV
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 35

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1Cover Direct
American Express
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
Online Travel Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Virgin Money
Worldcare

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
Plan A - Comprehensive
Comprehensive - International
New Zealand / South Pacific
International
Comprehensive - Plan A
Comprehensive

Unlimited
Unlimited
$2,500
$10,000
Unlimited
$15,000
$10,000
$25,000
$12,000
$50,000
Unlimited
Unlimited
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$12,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
$750
$500
$500
$500
$500
$1,000
Unlimited
$750
$500
$500
$500

$5,000
$15,000
$2,000
$3,000
$8,000
$6,000
$3,000
$5,000
$10,000
$25,000
$12,000
$7,500
$12,000

$250
$250
$500
N/A
$500
$250
N/A
$250
$250
$500
$250
$400
$250

$3,000
$3,000
$3,000
$250
$3,000
$2,000
$250
$3,000
$3,000
$3,000
$4,000
$3,000
$3,000

Plan A Comprehensive
Essentials -Single Trip International
Plan A - Platinum
Plan B - Silver
Premier
Standard
Plan A - Comprehensive
Plan A - Comprehensive
Plan E - Standard

Unlimited
$10,000
Unlimited
$10,000
$15,000
$10,000
$10,000
Unlimited
Unlimited

$25,000
Unlimited
N/A
Unlimited
$20,000
Unlimited
N/A
Unlimited
$75,000 $20,000,000
$50,000 $12,500,000
$30,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
Unlimited
Unlimited
Unlimited

$500
Unlimited
$500
$500
$2,000
$1,000
$750
$500
$500

$7,500
$5,000
$5,000
$3,000
$7,500
$6,000
$5,000
$7,500
$5,000

$250
N/A
$250
N/A
$1,000
$500
$500
$250
N/A

$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
American Express
Budget Direct
Budget Direct
Columbus Direct
Columbus Direct
Downunder Insurance
Fastcover
Fastcover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 36

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Good2Go
HCF Insurance
itrek
Kango Cover
Medibank
NRMA
OUCH
Real Insurance
Simply Travel Insurance
Travel Insuranz
Travel Insuranz
Travel Insuranz
Virgin Money
Webjet
Webjet
Zuji

One-Trip Plans - F12, C12, D12, E12

International Travel Plan
Platinum
L3 - Wallaby Cover
International Comprehensive
International Comprehensive
C Travel Plan
Basics - International
Plan A - Comprehensive
Classic
Deluxe
Premier
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Comprehensive

Unlimited
Unlimited
Unlimited
$12,500
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
$2,500
$10,000
$5,000
Unlimited
Unlimited
$5,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$30,000 $10,000,000
$10,000 $10,000,000
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000
$25,000
Unlimited

International Travel
Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Plan A - NZ/Indonesia/Fiji

Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited

$10,000
$25,000
$25,000
N/A
$10,000
$10,000

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$10,000,000
Unlimited
Unlimited
$5,000,000
Unlimited

$2,000
$3,000
Unlimited $12,000
$500
$5,000
$500
$5,000
Unlimited $8,000
Unlimited $12,000
Unlimited $15,000
Unlimited $5,000
$500
$7,500
$500
$2,500
$1,000
$7,500
$500
$3,500
$500
$3,000
$1,000
$5,000
$1,000
$1,500
$500
$5,000

$500
$250
$250
$250
$250
$200
N/A
N/A
$250
$125
$600
$150
N/A
$250
$250
$250

$600
$6,000
$3,000
$3,000
$3,000
$3,000
$1,000
$3,000
$3,000
$500
$3,000
$500
$3,000
$500
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited $6,000
$2,000 $15,000
$500
$7,500
$2,000 $15,000
$500
$3,000
$1,000
$3,000

N/A
$500
$250
N/A
$250
$250

$3,000
$3,000
$3,000
$6,000
$1,500
$3,000

AAMI
AIG
Allianz
ANZ
Aussie Travel Cover
Aussie Travel Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 37

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$250
N/A
N/A
$250
$250
$200
N/A
$200
$100
$250
$250
$250
$500
$250
N/A
$250
$250
$250
N/A
$500
$750
N/A

$3,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$3,500
$3,500
$3,500
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$300
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$300

Australia Post
Australian Unity
Big Sky
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Citibank
Covermore
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
multitrip.com.au

International Comprehensive
Super
Plan A - Comprehensive
International - Super
Super
Basic - International
Plan A - Comprehensive
International - Elite
International - Essential
International - Premium
Travelsure - International
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Elements Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
Elements

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited
Unlimited
$25,000
$50,000
$5,000
Unlimited
Unlimited
$15,000
$25,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$15,000
$12,500
$15,000
$10,000

$25,000
$25,000
$25,000
$25,000
$25,000
$10,000
$25,000
$100,000
$20,000
$25,000
$20,000
$25,000
$25,000
$20,000
$25,000
$25,000
N/A
$25,000
$15,000
$15,000
$15,000
N/A
$50,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited
$10,000

Unlimited
Unlimited
Unlimited
$1,000
Unlimited
$500
Unlimited
$1,000
Unlimited
$1,000
Unlimited
$500
Unlimited
$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$500
Unlimited
$1,000
$10,000,000
$750
$10,000,000
$1,500
Unlimited
$500
$10,000,000 10,000,00
Unlimited
$500
Unlimited
$500
Unlimited
$500
Unlimited
$500
$12,500,000
$1,000
Unlimited
$1,000
$10,000,000
$1,000

$7,500
$10,000
$7,500
$12,000
$10,000
$3,000
$8,000
$30,000
$5,000
$10,000
$6,000
$7,500
$6,000
$7,500
$10,000
$7,500
$3,000
$7,500
$7,500
$7,500
$5,000
$6,000
$7,500
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 38

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
$400
$250
$250
$250
$250
N/A
$200
N/A
N/A
$200
N/A
N/A
N/A
$200
N/A
N/A
N/A
$200
$250
$250
$250
$250
N/A

N/A
N/A
$3,000
$3,000
$4,000
N/A
$200
$6,000
$3,000
$2,000
$6,000
$500
$3,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000

multitrip.com.au
multitrip.com.au
MyCover
nab
National Seniors
National Seniors
NRMA
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Ski Insurance
St.George Bank

International - Premier
International - Premier Plus
Plan A - Comprehensive
Plan A - International
International Basic
International Premium
International Essentials
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Super
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - International
Super

$15,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$1,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
$25,000
Unlimited
$10,000
$100,000
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$5,000
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
$100,000
$1,000
$3,500
Unlimited
$1,000 $10,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $5,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 39

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

STA Travel
STA Travel
STA Travel
Suncorp Bank
Suresave
Suresave
Travellers Choice
Virgin Australia
Westpac
Woolworths
Woolworths

Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Budget
Comprehensive
Comprehensive - International
Comprehensive
Holiday Travel Insurance
Basic
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$12,000

$10,000 $10,000,000
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$12,000
Unlimited

$10,000,000 10,000,00 $3,000

Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$2,000
$5,000
Unlimited
$1,000
$6,000
Unlimited
Unlimited $5,000
Unlimited
Unlimited $10,000

N/A
$200
$100
$250
$250
$250
$200
$250
$250
N/A
$250

$1,000
$3,500
$2,500
$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$3,000
$3,000

Economy
Super Plus
International - Economy
International - Super Plus
Economy
Standard
Super Plus
Essentials - International
Standard
Super
Super Plus

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited

$10,000
$100,000
$25,000
Unlimited
$10,000
$100,000
$25,000
Unlimited
$10,000
$100,000
$15,000
$300,000
$25,000
Unlimited
$10,000 $10,000,000
$15,000
$300,000
$25,000
Unlimited
$25,000
Unlimited

$100,000
$1,000
$3,500
Unlimited
$1,000 $12,000
$100,000
$1,000
$3,500
Unlimited
$1,000 $10,000
$100,000
$1,000
$3,500
$300,000
$1,000
$5,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
$300,000
$1,000
$5,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$500
$4,000
$500
$3,000
$500
$2,000
$4,000
$200
$2,000
$3,000
$4,000

Australian Unity
Australian Unity
BUPA
BUPA
CGU
CGU
CGU
Covermore
HBF Insurance
HBF Insurance
HBF Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 40

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$2,000
$5,000
$12,000
$2,500
$2,500
$3,500
$5,000
$12,000
$10,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250

N/A
$2,000
$4,000
$200
$200
$500
$2,000
$4,000
$2,000

$5,000
$5,000
$3,500
$2,500
$3,000
$2,000

N/A
N/A
N/A
N/A
N/A
N/A

$2,000
$2,000
$500
$200
$3,000
$500

multitrip.com.au
People's Choice Credit Union
People's Choice Credit Union
RACQ
RACV
St.George Bank
St.George Bank
St.George Bank
World Nomads

International - Essentials
Standard
Super Plus
Essentials
Essentials
Economy
Standard
Super Plus
Explorer

$3,000
Unlimited
Unlimited
$1,000
$1,000
Unlimited
Unlimited
Unlimited
Unlimited

$10,000 $10,000,000
$15,000
$300,000
$25,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited
$10,000
$100,000
$15,000
$300,000
$25,000
Unlimited
$12,500
Unlimited

$10,000,000
$300,000
Unlimited
Unlimited
Unlimited
$100,000
$300,000
Unlimited
Unlimited

Standard
International - Standard
Economy
Essentials
Basic - International
Standard

Unlimited
Unlimited
Unlimited
$1,000
Unlimited
$3,500

$15,000
$300,000
$15,000
$300,000
$10,000
$100,000
$10,000
Unlimited
$10,000 $10,000,000
N/A
$5,000,000

$300,000
$1,000
$300,000
$1,000
$100,000
$1,000
Unlimited
$500
$10,000,000 10,000,00
$500,000
$500

$1,000
$1,000
$1,000
$500
$500
$1,000
$1,000
$1,000
$500

Australian Unity
BUPA
HBF Insurance
RAC
Travellers Choice
World Nomads

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 41

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
OUCH
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Woolworths
Worldcare

Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
A Travel Plan
World
International
Classic
Comprehensive
Comprehensive

$2,500
$10,000
Unlimited
$15,000
$10,000
Unlimited
$50,000
Unlimited
$2,500
$12,000
Unlimited

$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
N/A
$5,000,000
$25,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
N/A
$10,000,000
$12,000
Unlimited
$25,000
Unlimited

Unlimited
$5,000,000
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

$750
$500
$500
$500
$500
Unlimited
$750
$500
$500
Unlimited
$500

$2,000
$3,000
$8,000
$6,000
$3,000
$15,000
$25,000
$12,000
$2,500
$10,000
$12,000

$500
N/A
$500
$250
N/A
N/A
$500
$250
$125
$250
$250

$3,000
$250
$3,000
$2,000
$250
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International - Essential
International - Premium
Plan A - Comprehensive
Plan E - Standard
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Platinum
L3 - Wallaby Cover

Unlimited
Unlimited
$25,000
$50,000
$10,000
Unlimited
$15,000
$25,000
Unlimited
Unlimited
$12,500

$25,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000
Unlimited
$15,000
Unlimited
$20,000 $10,000,000
$25,000 $10,000,000
$25,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$5,000,000

$500
$7,500
$500
$5,000
Unlimited $5,000
Unlimited $10,000
$750
$5,000
$500
$5,000
$750
$7,500
$1,500 $10,000
$2,000
$3,000
$500
$5,000
$500
$5,000

$250
$250
N/A
$200
$500
N/A
$250
$500
$500
$250
$250

$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$3,000

1300 Insurance
1Cover Direct
Citibank
Citibank
Downunder Insurance
Fastcover
Go Insurance
Go Insurance
Good2Go
itrek
Kango Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 42

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$1,000
$6,000
$1,000
$7,500
$500
$7,500
Unlimited $5,000
Unlimited $15,000
Unlimited $5,000
Unlimited $10,000
$1,000
$7,500
$500
$3,500
$500
$7,500
$500
$3,000
Unlimited $5,000
$500
$5,000

$500
$750
$250
$200
N/A
N/A
$250
$600
$150
$400
N/A
N/A
$250

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$3,000

Unlimited
$2,000
$500
Unlimited
Unlimited
$2,000
Unlimited
$1,000
$500

N/A
$500
$250
$250
N/A
N/A
$250
N/A
$250

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000

Kango Cover
Kango Cover
MyCover
Priceline Protects
QBE
Real Insurance
Real Insurance
Travel Insuranz
Travel Insuranz
Virgin Money
Virgin Money
Woolworths
Zuji

L4 - Eastern Grey Cover

L5 - Big Red Cover
Plan A - Comprehensive
International - Premium
A Travel
Basics - International
Comprehensive - International
Deluxe
Premier
Comprehensive - Plan A
Essentials - Plan E
Basic
Comprehensive

$12,500
$15,000
Unlimited
$10,000
Unlimited
$5,000
$12,000
$10,000
$5,000
Unlimited
Unlimited
$5,000
Unlimited

N/A
$12,500,000
$50,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$12,000
Unlimited
$30,000 $10,000,000
$10,000 $10,000,000
$25,000
Unlimited
N/A
Unlimited
N/A
Unlimited
$25,000
Unlimited

International Travel
Gold (C12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited

$10,000
$25,000
$25,000
$25,000
N/A
N/A
$25,000
$25,000
$25,000

$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited

AAMI
AIG
Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Big Sky

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$6,000
$15,000
$7,500
$15,000
$5,000
$15,000
$7,500
$10,000
$7,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 43

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $30,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
Unlimited $8,000
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500

$250
N/A
N/A
N/A
$200
$1,000
$500
N/A
$100
$250
$250
$250
$250
N/A
N/A
$250
$250
$250
$250
N/A
$250
$400
$250
$250

$3,000
$3,000
$4,000
$3,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
N/A

Budget Direct
Budget Direct
BUPA
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
GIO
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Medibank
multitrip.com.au
nab
National Seniors

Plan A - Platinum
Plan B - Silver
International - Super
Super
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
International Comprehensive
International - Premier Plus
Plan A - International
International Premium

Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
Unlimited
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$75,000 $20,000,000
$50,000 $12,500,000
$10,000 $10,000,000
$20,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$15,000
Unlimited
$15,000
Unlimited
$15,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 44

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
$200
$250
$200
N/A
N/A
N/A
$200
$250
$250
$250
N/A
$200
$100
$250
$250
N/A
$250
$250
$250
$250
N/A

$3,000
$200
$6,000
$3,000
$6,000
$3,000
$4,000
$1,000
$6,000
$2,500
$3,000
$3,000
$3,000
$3,500
$2,500
$3,000
$3,000
$3,000
$500
$500
$3,000
$2,000
$500

NRMA
NRMA
Onepath
Online Travel Insurance
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Virgin Australia
Virgin Australia
Webjet
Webjet
Westpac
World Nomads
World Nomads

International Comprehensive
International Essentials
International Travel
Plan A - Comprehensive
Premier Plus Extras
Super
Super Plus
International - Essential
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Super
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
$25,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
$3,500

$25,000
Unlimited
$10,000 $10,000,000
$1,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000
$25,000
Unlimited
$12,500
Unlimited
N/A
$5,000,000

Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
Unlimited
$2,000
$5,000
Unlimited
$2,000
$5,000
Unlimited
$1,000
$5,000
$5,000,000
$1,000
$1,500
Unlimited
$1,000
$6,000
Unlimited
$500
$10,000
$500,000
$500
$2,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 45

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Aussie Travel Cover
Australian Unity
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
HCF Insurance
multitrip.com.au
National Seniors
RACQ
RACV
St.George Bank
STA Travel
Suresave
Suresave
Travellers Choice

Basic - Super Plus

Plan A - Super Plus
Super Plus
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
Elements Plan
International - Premier
International Basic
Premium
Premium
Super Plus
Basic - International
Budget
Comprehensive
Comprehensive - International

$3,000
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
Unlimited
$10,000
$15,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited

$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$20,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$500
$3,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $12,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$7,500
Unlimited
$1,000
$5,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000

$250
$250
N/A
N/A
N/A
$250
$250
N/A
$200
$250
$250
$250
N/A
N/A
$250
$250
$200

$1,500
$4,000
$4,000
$3,000
$4,000
$3,000
$3,000
$300
N/A
$4,000
$2,500
$2,500
$4,000
$1,000
$4,000
$4,000
$3,000

Elements
International - Essentials
Essentials
Essentials
Essentials

$10,000
$3,000
$1,000
$1,000
$1,000

N/A
$10,000
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited

$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited

N/A
N/A
N/A
N/A
N/A

$300
N/A
$200
$200
$200

multitrip.com.au
multitrip.com.au
RAC
RACQ
RACV

$1,000
$1,000
$500
$500
$500

$3,000
$2,000
$2,500
$2,500
$2,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 46

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A

$3,000

Travellers Choice

Basic - International

Unlimited

$10,000 $10,000,000

$10,000,000 10,000,00

$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 47

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Budget Direct
Budget Direct
Citibank
Good2Go
Insure and Go
Insure and Go
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Virgin Money
Woolworths
Worldcare

Plan A - Platinum
Plan B - Silver
International - Essential
Essentials Travel Insurance
Gold
Silver
Comprehensive - International
World
International
Comprehensive - Plan A
Comprehensive
Comprehensive

Unlimited
$10,000
$25,000
$10,000
Unlimited
$15,000
$12,000
$50,000
Unlimited
Unlimited
$12,000
Unlimited

$20,000
Unlimited
N/A
Unlimited
$20,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
$12,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$25,000
Unlimited
$12,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
$500
$500
$500
Unlimited
$750
$500
$500
Unlimited
$500

$5,000
$3,000
$5,000
$3,000
$8,000
$6,000
$10,000
$25,000
$12,000
$7,500
$10,000
$12,000

$250
N/A
N/A
N/A
$500
$250
$250
$500
$250
$400
$250
$250

$3,000
$3,000
$3,500
$250
$3,000
$2,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000

Plan A Comprehensive
Comprehensive - Single Trip Internatio
International Comprehensive
International - Premium
Plan A - Comprehensive
Plan C - Backpackers
Plan E - Standard
One-Trip Plans - F12, C12, D12, E12
L2 - Rock Wallaby Cover
International Comprehensive

Unlimited
Unlimited
Unlimited
$50,000
$10,000
$2,500
Unlimited
Unlimited
$10,000
Unlimited

$25,000
$25,000
$25,000
$25,000
$30,000
$15,000
$15,000
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited

$500
$7,500
Unlimited $15,000
Unlimited $7,500
Unlimited $10,000
$750
$5,000
$750
$2,000
$500
$5,000
$2,000
$3,000
$500
$3,000
Unlimited $8,000

$250
$250
$250
$200
$500
$500
N/A
$500
N/A
$250

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$600
$250
$3,000

1300 Insurance
American Express
Australia Post
Citibank
Downunder Insurance
Downunder Insurance
Fastcover
Good2Go
Kango Cover
Medibank

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 48

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$7,500
$12,000
$15,000
$15,000
$1,500
$5,000
$15,000
$5,000
$2,500
$3,000
$5,000
$1,500
$5,000
$5,000

$250
$200
N/A
N/A
N/A
$200
N/A
N/A
$125
N/A
$250
$250
N/A
$250

$3,000
$3,000
$3,000
$2,000
$1,000
$3,500
$2,000
$3,000
$500
$3,000
$500
$500
$3,000
$3,000

$500
$5,000
Unlimited $6,000
$2,000 $15,000
$500
$7,500
Unlimited $5,000
$2,000 $15,000
$500
$3,000
$500
$7,500

$250
N/A
$500
$250
N/A
N/A
$250
$250

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000

MyCover
NRMA
OUCH
OUCH
Priceline Protects
Priceline Protects
QBE
Real Insurance
Travel Insuranz
Virgin Money
Webjet
Webjet
Woolworths
Zuji

Plan A - Comprehensive
International Comprehensive
A Travel Plan
B Travel Plan
International - Essential
International - Premium
B Travel
Basics - International
Classic
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$10,000
Unlimited
$5,000
$2,500
Unlimited
Unlimited
$5,000
$5,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$18,000
Unlimited
N/A
Unlimited
N/A
$10,000,000
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000
N/A
Unlimited
$25,000
Unlimited

Plan A - Comprehensive
International Travel
Silver (D12)
Plan A - Comprehensive
Essentials -Single Trip International
International
Basic - Standard
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$3,000
Unlimited

$25,000
$10,000
$25,000
$25,000
N/A
N/A
$10,000
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited

$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$500
$500
$1,000
$1,000
Unlimited
$500

1Cover Direct
AAMI
AIG
Allianz
American Express
ANZ
Aussie Travel Cover
Big Sky

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 49

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000 $10,000
Unlimited
$500
$3,000
Unlimited
$500
$8,000
Unlimited
Unlimited $30,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$500
$5,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000

N/A
$250
$250
$200
$1,000
$500
N/A
$100
$250
$250
$250
$250
$500
$250
N/A
N/A
$250
$250
$250
$250
N/A
$250
$250
$500

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover

Super
Basic - International
Plan A - Comprehensive
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
Platinum
L3 - Wallaby Cover
L4 - Eastern Grey Cover

Unlimited
$3,000
Unlimited
Unlimited
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
Unlimited
$12,500
$12,500

$25,000
$10,000
$25,000
$100,000
$75,000
$50,000
$10,000
$20,000
$25,000
$25,000
$25,000
$20,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000
$15,000
$15,000
$15,000
$15,000
N/A
N/A

Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 50

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$750
$400
$250
$250
N/A
$200
$250
$200
N/A
N/A
$200
$250
$250
$250
$250
$250
N/A
N/A
$200
$100
$250
$600
$150
$200

$3,000
N/A
$3,000
N/A
$200
$6,000
$3,000
$6,000
$3,000
$3,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000

Kango Cover
multitrip.com.au
nab
National Seniors
NRMA
Onepath
Online Travel Insurance
OUCH
People's Choice Credit Union
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice

L5 - Big Red Cover

International - Premier Plus
Plan A - International
International Premium
International Essentials
International Travel
Plan A - Comprehensive
Premier Plus Extras
Super
A Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International

$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$5,000
Unlimited

$50,000
$25,000
$25,000
$25,000
$10,000
$1,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$10,000
$25,000
$20,000
$25,000
$30,000
$10,000
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited

Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
$10,000,000
$1,000
$7,500
$10,000,000
$500
$3,500
Unlimited
Unlimited $12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 51

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Virgin Australia
Virgin Australia
Westpac
World Nomads
World Nomads

Comprehensive
Essentials
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
$3,500

$25,000
N/A
$25,000
$12,500
N/A

Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
$500,000

$2,000
$2,000
$1,000
$500
$500

$5,000
$5,000
$6,000
$10,000
$2,000

$250
N/A
$250
$250
N/A

$3,000
$3,000
$3,000
$2,000
$500

Plan A - Standard
Super
International - Super
Standard
Super Plus
Standard
Super Plus
Elements
International - Premier
International Basic
Standard
Super Plus
Essentials
Standard
Super Plus
Budget
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$15,000
$5,000
Unlimited
Unlimited
$1,000
Unlimited
Unlimited
$5,000
Unlimited

$15,000
$25,000
$25,000
$15,000
$25,000
$15,000
$25,000
N/A
$20,000
N/A
$15,000
$25,000
$10,000
$15,000
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
$300,000
Unlimited
$300,000
Unlimited
$10,000
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
$300,000
Unlimited
$300,000
Unlimited
$10,000,000
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
$300,000
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$500
$1,000
$1,000
$1,000
$1,000

$5,000
$10,000
$12,000
$5,000
$12,000
$5,000
$12,000
$3,000
$7,500
$5,000
$5,000
$12,000
$2,500
$5,000
$12,000
$5,000
$12,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$200
$250
N/A
N/A
N/A
N/A
N/A
$250
$250

$4,000
$3,000
$4,000
$2,000
$4,000
$2,000
$4,000
$300
N/A
$4,000
$2,000
$4,000
$200
$2,000
$4,000
$4,000
$4,000

Aussie Travel Cover

Australian Unity
BUPA
CGU
CGU
HBF Insurance
HBF Insurance
multitrip.com.au
multitrip.com.au
National Seniors
People's Choice Credit Union
People's Choice Credit Union
RAC
St.George Bank
St.George Bank
Suresave
Suresave

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 52

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Travellers Choice

Basic - International

Unlimited

$10,000 $10,000,000

$10,000,000 10,000,00

$3,000

N/A

$3,000

Standard
Super Plus
International - Standard
International - Super Plus
International - Essentials
Essentials
Essentials

Unlimited
Unlimited
Unlimited
Unlimited
$3,000
$1,000
$1,000

$15,000
$300,000
$25,000
Unlimited
$15,000
$300,000
$25,000
Unlimited
$10,000 $10,000,000
$10,000
Unlimited
$10,000
Unlimited

$300,000
Unlimited
$300,000
Unlimited
$10,000,000
Unlimited
Unlimited

$5,000
$12,000
$5,000
$10,000
$2,000
$2,500
$2,500

N/A
N/A
N/A
N/A
N/A
N/A
N/A

$2,000
$4,000
$2,000
$3,000
N/A
$200
$200

Australian Unity
Australian Unity
BUPA
BUPA
multitrip.com.au
RACQ
RACV

$1,000
$1,000
$1,000
$1,000
$1,000
$500
$500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 53

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Citibank
Downunder Insurance
Good2Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Virgin Money
Woolworths
Worldcare

International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
B Travel Plan
Comprehensive - International
World
International
Comprehensive - Plan A
Comprehensive
Comprehensive

$25,000
$2,500
$10,000
Unlimited
Unlimited
$12,000
$50,000
Unlimited
Unlimited
$12,000
Unlimited

$20,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$18,000
Unlimited
$12,000
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$25,000
Unlimited
$12,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$750
$500
$500
Unlimited
Unlimited
$750
$500
$500
Unlimited
$500

$5,000
$2,000
$3,000
$8,000
$15,000
$10,000
$25,000
$12,000
$7,500
$10,000
$12,000

N/A
$500
N/A
$500
N/A
$250
$500
$250
$400
$250
$250

$3,500
$3,000
$250
$3,000
$2,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Platinum
Plan B - Silver
Plan A - Comprehensive
Plan E - Standard
One-Trip Plans - F12, C12, D12, E12
Silver
L2 - Rock Wallaby Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$10,000
Unlimited
Unlimited
$15,000
$10,000

$25,000
$25,000
$25,000
$25,000
$20,000
N/A
$30,000
$15,000
$25,000
$37,500
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

$500
$500
$500
Unlimited
$500
$500
$750
$500
$2,000
$500
$500

$7,500
$5,000
$7,500
$7,500
$5,000
$3,000
$5,000
$5,000
$3,000
$6,000
$3,000

$250
$250
$250
$250
$250
N/A
$500
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$600
$2,000
$250

1300 Insurance
1Cover Direct
Allianz
Australia Post
Budget Direct
Budget Direct
Downunder Insurance
Fastcover
Good2Go
Insure and Go
Kango Cover

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 54

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited $8,000
$500
$7,500
Unlimited $12,000
$1,000
$5,000
Unlimited $15,000
Unlimited $15,000
Unlimited $5,000
$500
$7,500
$500
$2,500
$1,000
$1,500
Unlimited $5,000
$500
$5,000

$250
$250
$200
$250
N/A
N/A
N/A
$250
$125
$250
N/A
$250

$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$500
$500
$3,000
$3,000

Unlimited
$2,000
Unlimited
Unlimited
$2,000
$500
$500
$500
$500
Unlimited

N/A
$500
$250
N/A
N/A
$250
$250
$250
$250
$200

$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000
$3,000
$3,000
$3,500

Medibank
MyCover
NRMA
Online Travel Insurance
OUCH
QBE
Real Insurance
Simply Travel Insurance
Travel Insuranz
Webjet
Woolworths
Zuji

International Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Comprehensive
A Travel Plan
B Travel
Basics - International
Plan A - Comprehensive
Classic
Essentials - Plan B
Basic
Comprehensive

Unlimited
Unlimited
Unlimited
$25,000
Unlimited
Unlimited
$5,000
Unlimited
$2,500
$5,000
$5,000
Unlimited

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$18,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$15,000 $5,000,000
N/A
Unlimited
$25,000
Unlimited

International Travel
Silver (D12)
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Standard
Plan A - Comprehensive
Basic - International
Plan A - Comprehensive
International - Elite

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$3,000
Unlimited
$3,000
Unlimited
Unlimited

$10,000
$25,000
$25,000
N/A
N/A
$10,000
$25,000
$10,000
$25,000
$100,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$5,000,000
Unlimited
Unlimited

AAMI
AIG
American Express
American Express
ANZ
Aussie Travel Cover
Big Sky
CHI Travel Insurance
CHI Travel Insurance
Citibank

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$6,000
$15,000
$15,000
$5,000
$15,000
$3,000
$7,500
$3,000
$8,000
$30,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 55

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $10,000
$20,000,000
$2,000
$7,500
$12,500,000
$1,000
$6,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$500
$5,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$1,000 $12,000
Unlimited
$500
$7,500

$200
$1,000
$500
N/A
$100
$250
$250
$250
$250
$500
$250
N/A
N/A
$250
$250
$250
$250
N/A
$250
$250
$500
$750
$400
$250

$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000

Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
nab

International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
Platinum
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - International

$50,000
$15,000
$10,000
$5,000
$5,000
Unlimited
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
Unlimited
$12,500
$12,500
$15,000
Unlimited
Unlimited

$25,000
$75,000
$50,000
$10,000
$20,000
$25,000
$25,000
$25,000
$20,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000
$15,000
$15,000
$15,000
$15,000
N/A
N/A
$50,000
$25,000
$25,000

Unlimited
$20,000,000
$12,500,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 56

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$200
$200
N/A
N/A
$200
N/A
$200
$250
$250
N/A
N/A
$200
$100
$250
$600
$150
$200
$250
N/A
N/A
$250
$250

N/A
$200
$6,000
$6,000
$3,000
$1,000
$3,500
$3,000
$6,000
$2,500
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$3,000
$500
$2,000

National Seniors
NRMA
Onepath
OUCH
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
RAC
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Virgin Money
Webjet
World Nomads

International Premium
International Essentials
International Travel
Premier Plus Extras
Super
International - Essential
International - Premium
A Travel
Premier Plus Extras
Premium
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan E
Comprehensive - Plan A
Explorer

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$25,000
$10,000
$1,000
$25,000
$25,000
N/A
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$10,000
$25,000
$20,000
$25,000
$30,000
$10,000
$25,000
$25,000
N/A
N/A
$25,000
$12,500

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $1,500
Unlimited
Unlimited $5,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $15,000
Unlimited
$500
$7,500
Unlimited
$500
$5,000
Unlimited
$1,000 $10,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $6,000
Unlimited
$1,000
$6,000
$10,000,000
$1,000
$7,500
$10,000,000
$500
$3,500
Unlimited
Unlimited $12,000
Unlimited
$2,000
$5,000
Unlimited
$2,000
$5,000
Unlimited
$500
$3,000
Unlimited
$1,000
$5,000
Unlimited
$500
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 57

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
CGU
CGU
HBF Insurance
multitrip.com.au
National Seniors
People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank
Suresave
Suresave
Westpac
World Nomads

Plan A - Standard
Super
Super Plus
International - Super
Super
Super Plus
Super Plus
Elements
International Basic
Super Plus
Essentials
Premium
Premium
Super Plus
Budget
Comprehensive
Holiday Travel Insurance
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$5,000
Unlimited
$1,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
$3,500

$15,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
N/A
N/A
$25,000
$10,000
$25,000
$25,000
$25,000
N/A
$25,000
$25,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$500,000

$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$500
$500
$500
$1,000
$1,000
$1,000
$1,000
$500

$5,000
$10,000
$12,000
$12,000
$10,000
$12,000
$12,000
$3,000
$5,000
$12,000
$2,500
$7,500
$7,500
$12,000
$5,000
$12,000
$6,000
$2,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250
N/A
N/A
$250
$250
N/A
$250
$250
$250
N/A

$4,000
$3,000
$4,000
$4,000
$3,000
$4,000
$4,000
$300
$4,000
$4,000
$200
$2,500
$2,500
$4,000
$4,000
$4,000
$3,000
$500

International - Super Plus

International - Essentials
International - Premier
Essentials

Unlimited
$3,000
$15,000
$1,000

$25,000
Unlimited
$10,000 $10,000,000
$20,000
Unlimited
$10,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited

$1,000
$1,000
$1,000
$500

$10,000
$2,000
$7,500
$2,500

N/A
N/A
$200
N/A

$3,000
N/A
N/A
$200

BUPA
multitrip.com.au
multitrip.com.au
RACQ

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 58

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A

$200
$3,000

RACV
Travellers Choice

Essentials
Basic - International

$1,000
Unlimited

$10,000
Unlimited
$10,000 $10,000,000

Unlimited
$500
$10,000,000 10,000,00

$2,500
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 59

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

1Cover Direct
Citibank
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Southern Cross Travel Insuranc
Travel Insurance Direct
Virgin Money
Worldcare

Plan A - Comprehensive
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
Superworld
International
Comprehensive - Plan A
Comprehensive

Unlimited
$25,000
$2,500
$10,000
Unlimited
$15,000
$50,000
Unlimited
Unlimited
Unlimited

$25,000
Unlimited
$20,000
Unlimited
$15,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$37,500
Unlimited
$100,000 Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$5,000
Unlimited $5,000
$750
$2,000
$500
$3,000
$500
$8,000
$500
$6,000
$750
$25,000
$500
$12,000
$500
$7,500
$500
$12,000

$250
N/A
$500
N/A
$500
$250
$500
$250
$400
$250

$3,000
$3,500
$3,000
$250
$3,000
$2,000
$3,000
$4,000
$3,000
$3,000

Plan A Comprehensive
Comprehensive - Single Trip Internatio
Plan A - Platinum
International - Premium
Plan A - Comprehensive
Plan A - Comprehensive
Plan E - Standard
Platinum
L2 - Rock Wallaby Cover
Plan A - Comprehensive
International - Essential
International - Premium

Unlimited
Unlimited
Unlimited
$50,000
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$5,000
$10,000

$25,000
$25,000
$20,000
$25,000
$30,000
$25,000
$15,000
$15,000
N/A
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited

$500
$7,500
Unlimited $15,000
$500
$5,000
Unlimited $10,000
$750
$5,000
$500
$7,500
$500
$5,000
$500
$5,000
$500
$3,000
$500
$7,500
Unlimited $1,500
Unlimited $5,000

$250
$250
$250
$200
$500
$250
N/A
$250
N/A
$250
N/A
$200

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$1,000
$3,500

1300 Insurance
American Express
Budget Direct
Citibank
Downunder Insurance
Fastcover
Fastcover
itrek
Kango Cover
MyCover
Priceline Protects
Priceline Protects

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 60

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$250
$125
N/A
$250
$250
N/A
$250
$250

$3,000
$3,000
$500
$3,000
$500
$500
$3,000
$3,000
$3,000

N/A
$500
$250
N/A
N/A
$250
$250
N/A
N/A
$200
$1,000
$500
N/A

$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$4,000
$3,500
$3,000
$3,000
$200

Real Insurance
Real Insurance
Travel Insuranz
Virgin Money
Webjet
Webjet
Woolworths
Woolworths
Zuji

Basics - International
Comprehensive - International
Classic
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic
Comprehensive
Comprehensive

$5,000
$12,000
$2,500
Unlimited
Unlimited
$5,000
$5,000
$12,000
Unlimited

N/A
Unlimited
$12,000
Unlimited
N/A
$10,000,000
N/A
Unlimited
$25,000
Unlimited
$15,000 $5,000,000
N/A
Unlimited
$12,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited

International Travel
Platinum (F12)
Plan A - Comprehensive
Essentials -Single Trip International
International
International Comprehensive
Plan A - Comprehensive
Plan B - Silver
Super Plus
International - Elite
Premier
Standard
Essentials - International

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$15,000
$10,000
$5,000

$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
N/A
Unlimited
$25,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$100,000 Unlimited
$75,000 $20,000,000
$50,000 $12,500,000
$10,000 $10,000,000

Unlimited
Unlimited
Unlimited
$2,000
Unlimited
$500
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
$500
Unlimited
$500
Unlimited
$1,000
Unlimited
Unlimited
$20,000,000
$2,000
$12,500,000
$1,000
$10,000,000 10,000,00

Unlimited $5,000
Unlimited $10,000
$500
$2,500
$500
$3,000
$1,000
$5,000
$1,000
$1,500
Unlimited $5,000
Unlimited $10,000
$500
$5,000

AAMI
AIG
Allianz
American Express
ANZ
Australia Post
Big Sky
Budget Direct
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore

$6,000
$15,000
$7,500
$5,000
$15,000
$7,500
$7,500
$3,000
$12,000
$30,000
$7,500
$6,000
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 61

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$100
$250
$250
$250
$500
$500
$250
N/A
$250
$250
$250
$250
N/A
$250
$500
$750
$250
$250
$250
$200
N/A
$200
$250
$200

$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
$200
$6,000
$3,000
$6,000

Covermore
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Medibank
nab
National Seniors
NRMA
NRMA
Onepath
Online Travel Insurance
OUCH

Travelsure - International
Plan D - Comprehensive with Snow C
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
Plan A - International
International Premium
International Comprehensive
International Essentials
International Travel
Plan A - Comprehensive
Premier Plus Extras

$5,000
Unlimited
Unlimited
$15,000
$25,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$15,000
$12,500
$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000
Unlimited

$20,000
$25,000
$25,000
$20,000
$25,000
$25,000
$25,000
$25,000
$25,000
$25,000
$15,000
$15,000
$15,000
N/A
N/A
$50,000
$25,000
$25,000
$25,000
$25,000
$10,000
$1,000
$25,000
$25,000

Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited $6,000
Unlimited
$500
$7,500
Unlimited
$1,000
$6,000
$10,000,000
$750
$7,500
$10,000,000
$1,500 $10,000
Unlimited
$2,000
$3,000
Unlimited
$500
$7,500
Unlimited
$1,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$500
$5,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
Unlimited $8,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
Unlimited $12,000
$10,000,000 10,000,00 $3,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
Unlimited $15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 62

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

People's Choice Credit Union

QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Virgin Australia
Virgin Australia
Westpac
World Nomads
World Nomads

Super Plus
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Super Plus
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive
Essentials
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$5,000
Unlimited
Unlimited
Unlimited
Unlimited
$3,500

$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$20,000
Unlimited
$25,000
Unlimited
$30,000 $10,000,000
$10,000 $10,000,000
$25,000
Unlimited
N/A
Unlimited
$25,000
Unlimited
$12,500
Unlimited
N/A
$5,000,000

Basic - Super Plus

Plan A - Super Plus
Super Plus
International - Super Plus
Basic - International
Plan A - Comprehensive

$3,000
Unlimited
Unlimited
Unlimited
$3,000
Unlimited

$10,000
$25,000
$25,000
$25,000
$10,000
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$500,000

$1,000
Unlimited
$500
$500
$500
$1,000
Unlimited
Unlimited
$1,000
$1,000
$500
$2,000
$2,000
$1,000
$500
$500

$12,000
$15,000
$7,500
$7,500
$5,000
$12,000
$12,000
$6,000
$6,000
$7,500
$3,500
$5,000
$5,000
$6,000
$10,000
$2,000

N/A
$200
$250
$250
$250
N/A
$200
$100
$250
$600
$150
$250
N/A
$250
$250
N/A

$4,000
$6,000
$2,500
$3,000
$3,000
$4,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$2,000
$500

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$1,000
$1,000
$1,000
$500
$500

$3,000
$10,000
$12,000
$10,000
$3,000
$8,000

$250
$250
N/A
N/A
$250
$250

$1,500
$4,000
$4,000
$3,000
$3,000
$3,000

Aussie Travel Cover

Aussie Travel Cover
Australian Unity
BUPA
CHI Travel Insurance
CHI Travel Insurance

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 63

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Single - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

multitrip.com.au
National Seniors
RAC
RACQ
RACV
STA Travel
Suresave
Suresave
Travellers Choice
Travellers Choice

International - Premier Plus

International Basic
Essentials
Premium
Premium
Basic - International
Budget
Comprehensive
Basic - International
Comprehensive - International

Unlimited
$5,000
$1,000
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
Unlimited

$25,000
Unlimited
N/A
Unlimited
$10,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
N/A
Unlimited
$25,000
Unlimited
$10,000 $10,000,000
$25,000
Unlimited

Unlimited
$1,000 $12,000
Unlimited
$1,000
$5,000
Unlimited
$500
$2,500
Unlimited
$500
$7,500
Unlimited
$500
$7,500
$10,000,000 10,000,00 $3,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $12,000
$10,000,000 10,000,00 $3,000
Unlimited
Unlimited $12,000

$400
$250
N/A
$250
$250
N/A
$250
$250
N/A
$200

N/A
$4,000
$200
$2,500
$2,500
$1,000
$4,000
$4,000
$3,000
$3,000

Elements Plan
Elements
International - Essentials
International - Premier
Essentials
Essentials

$10,000
$10,000
$3,000
$15,000
$1,000
$1,000

N/A
$10,000,000
N/A
$10,000
$10,000 $10,000,000
$20,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited

$10,000,000 10,000,00
$10,000,000
$1,000
$10,000,000
$1,000
Unlimited
$1,000
Unlimited
$500
Unlimited
$500

N/A
N/A
N/A
$200
N/A
N/A

$300
$300
N/A
N/A
$200
$200

HCF Insurance
multitrip.com.au
multitrip.com.au
multitrip.com.au
RACQ
RACV

$3,000
$3,000
$2,000
$7,500
$2,500
$2,500

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 64

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Citibank
Columbus Direct
Downunder Insurance
Insure and Go
Insure and Go
OUCH
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare

International - Essential
Standard
Plan C - Backpackers
Gold
Silver
C Travel Plan
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive

$50,000
$20,000
$5,000
Unlimited
$30,000
Unlimited
$24,000
Unlimited
$5,000
$10,000
$24,000
Unlimited

$40,000
Unlimited
$100,000 $25,000,000
$30,000
Unlimited
$100,000 Unlimited
$75,000
Unlimited
$20,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited
N/A
$40,000,000
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited

Unlimited
$2,000
$1,500
$1,000
$1,000
Unlimited
Unlimited
$500
$1,000
Unlimited
Unlimited
$500

$10,000
$12,000
$4,000
$16,000
$12,000
$30,000
$20,000
$24,000
$5,000
$10,000
$20,000
$24,000

N/A
$1,000
$500
$1,000
$500
N/A
$500
$250
$250
N/A
$500
$250

$3,500
$3,000
$3,000
$3,000
$2,000
$1,000
$3,000
$4,000
$500
$3,000
$3,000
$3,000

Plan A - Comprehensive
International Travel
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
Plan A - Comprehensive
Plan A - Platinum
Premier
Plan A - Comprehensive
Essentials Travel Insurance
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$30,000
$20,000
$20,000
Unlimited

$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$150,000 $40,000,000
$60,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
$10,000,000
Unlimited

$500
Unlimited
Unlimited
Unlimited
$1,000
$500
$4,000
$1,500
$1,000
$1,000

$10,000
$12,000
$30,000
$10,000
$15,000
$10,000
$15,000
$10,000
$6,000
$15,000

$500
N/A
$500
$0
$500
$250
$2,000
$1,000
N/A
$500

$3,000
$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$250
$3,000

1Cover Direct
AAMI
American Express
American Express
Big Sky
Budget Direct
Columbus Direct
Downunder Insurance
Good2Go
Greater Building Society

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 65

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

itrek
Kango Cover
Kango Cover
MyCover
NRMA
Priceline Protects
Priceline Protects
Real Insurance
Simply Travel Insurance
Southern Cross Travel Insuranc
Travel Insuranz
Webjet
Webjet
Zuji

Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
Plan A - Comprehensive
International Comprehensive
International - Essential
International - Premium
Basics - International
Plan A - Comprehensive
World
Premier
Comprehensive - Plan A
Essentials - Plan B
Comprehensive

Unlimited
$10,000
$12,500
Unlimited
Unlimited
$10,000
$20,000
$10,000
Unlimited
$100,000
$10,000
Unlimited
$10,000
Unlimited

$30,000
N/A
N/A
$50,000
$50,000
N/A
$50,000
N/A
$50,000
$200,000
$20,000
$50,000
$30,000
$25,000

Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
$10,000,000
Unlimited

Unlimited
$5,000,000
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
$10,000,000
Unlimited

$1,000
$500
$500
$500
Unlimited
Unlimited
Unlimited
Unlimited
$500
$1,500
$1,000
$2,000
$2,000
$500

$10,000
$3,000
$5,000
$15,000
$24,000
$3,000
$10,000
$10,000
$15,000
$50,000
$7,000
$10,000
$3,000
$5,000

$500
N/A
$250
$250
$400
N/A
$400
N/A
$250
$500
$300
$500
$250
$250

$3,000
$250
$3,000
$3,000
$3,000
$1,000
$3,500
$3,000
$3,000
$3,000
$500
$500
$500
$3,000

Plan A Comprehensive
Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
International Comprehensive
Plan B - Silver
Basic - International

Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$10,000
$6,000

$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
N/A
$20,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$500
$4,000
$1,000
Unlimited
$500
$1,000

$15,000
$30,000
$15,000
$30,000
$6,000
$15,000
$6,000
$6,000

$250
$1,000
$250
$200
$250
$500
N/A
$500

$3,000
$3,000
$3,000
$6,000
$1,500
$3,000
$3,000
$3,000

1300 Insurance
AIG
Allianz
ANZ
Aussie Travel Cover
Australia Post
Budget Direct
CHI Travel Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 66

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$16,000
Unlimited
Unlimited $60,000
Unlimited
Unlimited $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
Unlimited
$2,000 $12,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
Unlimited $16,000
Unlimited
$2,000 $24,000
Unlimited
$500
$7,500

$500
$400
$400
N/A
$200
$250
$500
N/A
$500
$500
$1,000
$1,000
N/A
N/A
$500
$250
$500
$500
N/A
$500
$750
$500
$800
$250

$3,000
$3,500
$3,500
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$2,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000

CHI Travel Insurance

Citibank
Citibank
Covermore
Covermore
Fastcover
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Medibank
multitrip.com.au
nab

Plan A - Comprehensive
International - Elite
International - Premium
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Standard
Super
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
International - Premier Plus
Plan A - International

Unlimited
Unlimited
$100,000
$10,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$12,500
$15,000
Unlimited
Unlimited
Unlimited

$50,000
$200,000
$50,000
$20,000
$40,000
$50,000
$50,000
$30,000
$50,000
$40,000
$50,000
$50,000
$30,000
$50,000
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
$50,000
$50,000
$50,000
$25,000

Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 67

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$7,500
$20,000,000 20,000,00 $6,000
Unlimited
$4,000 $30,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$2,000 $12,000
Unlimited
$1,000 $24,000
$20,000,000
$2,000 $15,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000

$250
N/A
$200
$500
N/A
N/A
$200
N/A
N/A
N/A
N/A
$200
$500
$500
$500
$500
N/A
$400
$200
$500
$500
$1,200
$200
$500

N/A
$200
$6,000
$3,000
$3,000
$2,000
$6,000
$3,000
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$1,000
$3,500
$2,500
$3,000
$4,000
$3,000
$3,000
$3,000

National Seniors
NRMA
Onepath
Online Travel Insurance
OUCH
OUCH
OUCH
People's Choice Credit Union
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Ski Insurance
STA Travel
STA Travel
STA Travel
Suncorp Bank
Suresave
Travel Insuranz
Travellers Choice
Virgin Australia

International Premium
International Essentials
International Travel
Plan A - Comprehensive
A Travel Plan
B Travel Plan
Premier Plus Extras
Super
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - International
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Comprehensive
Deluxe
Comprehensive - International
Comprehensive

Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited

$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$60,000 $40,000,000
$25,000
Unlimited
$50,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 68

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Virgin Australia
Virgin Money
Virgin Money
Westpac
World Nomads
World Nomads

Essentials
Comprehensive - Plan A
Essentials - Plan E
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$7,000

N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000,000

$10,000
$15,000
$6,000
$12,000
$20,000
$4,000

N/A
$400
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$3,000
$2,000
$500

Plan A - NZ/Indonesia/Fiji
Super
International - Super
Super
Super Plus
Super Plus
Elements Plan
International Basic
Standard
Super Plus
Essentials
Essentials
Essentials
Standard
Super
Super Plus

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000
N/A
Unlimited
$30,000
$600,000
$50,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited

Unlimited
$1,000
$6,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $10,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$3,000
$3,000
$4,000
$3,000
$4,000
$4,000
$300
$4,000
$2,000
$4,000
$200
$200
$200
$2,000
$3,000
$4,000

$4,000
$1,000
$1,000
$2,000
$1,000
$1,000

Aussie Travel Cover

Australian Unity
BUPA
CGU
CGU
HBF Insurance
HCF Insurance
National Seniors
People's Choice Credit Union
People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank
St.George Bank
St.George Bank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 69

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Suresave
Travellers Choice

Budget
Basic - International

$10,000
Unlimited

N/A
Unlimited
$20,000 $20,000,000

Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

$250
N/A

$4,000
$3,000

Standard
Super Plus
International - Standard
International - Super Plus
Standard
International - Essentials
International - Premier

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
$30,000

$30,000
$600,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$30,000
$600,000
$20,000 $20,000,000
$40,000
Unlimited

$600,000
Unlimited
$600,000
Unlimited
$600,000
$20,000,000
Unlimited

N/A
N/A
N/A
N/A
N/A
N/A
$400

$2,000
$4,000
$2,000
$3,000
$2,000
N/A
N/A

Australian Unity
Australian Unity
BUPA
BUPA
CGU
multitrip.com.au
multitrip.com.au

$2,000
$2,000
$2,000
$2,000
$2,000
$2,000
$2,000

$10,000
$24,000
$10,000
$20,000
$10,000
$4,000
$15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 70

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Good2Go
OUCH
QBE
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money
Woolworths
Worldcare

International Travel
International - Essential
Essentials Travel Insurance
A Travel Plan
A Travel
World
International
Classic
Comprehensive - Plan A
Comprehensive
Comprehensive

Unlimited
$50,000
$20,000
Unlimited
Unlimited
$100,000
Unlimited
$5,000
Unlimited
$24,000
Unlimited

$20,000
Unlimited
$40,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
$1,000
Unlimited
Unlimited
$1,500
$500
$1,000
$1,000
Unlimited
$500

$12,000
$10,000
$6,000
$30,000
$30,000
$50,000
$24,000
$5,000
$15,000
$20,000
$24,000

N/A
N/A
N/A
N/A
N/A
$500
$250
$250
$400
$500
$250

$3,000
$3,500
$250
$3,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International - Premium
Plan A - Comprehensive
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
Gold
Silver

Unlimited
Unlimited
$100,000
$20,000
$5,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
$30,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$60,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$40,000 $40,000,000
$50,000 $40,000,000
$100,000 Unlimited
$75,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited

$500
$500
Unlimited
$1,500
$1,500
$500
$2,000
$1,500
$3,000
$1,000
$1,000

$15,000
$10,000
$20,000
$10,000
$4,000
$10,000
$12,000
$15,000
$20,000
$16,000
$12,000

$250
$500
$400
$1,000
$500
N/A
$500
$500
$1,000
$1,000
$500

$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$2,000

1300 Insurance
1Cover Direct
Citibank
Downunder Insurance
Downunder Insurance
Fastcover
GIO
Go Insurance
Go Insurance
Insure and Go
Insure and Go

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 71

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

itrek
MyCover
NRMA
Real Insurance
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Virgin Money
Webjet
Woolworths

Platinum
Plan A - Comprehensive
International Comprehensive
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Essentials - Plan E
Comprehensive - Plan A
Basic

Unlimited
Unlimited
Unlimited
$24,000
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
$10,000

$30,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$60,000 $40,000,000
$20,000 $40,000,000
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super
Super Plus
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver
International - Super

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$40,000
N/A
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited

$1,000
$500
Unlimited
Unlimited
Unlimited
$2,000
$2,000
$1,000
$1,000
$2,000
Unlimited

$10,000
$15,000
$24,000
$20,000
$12,000
$12,000
$15,000
$7,000
$6,000
$10,000
$10,000

$500
$250
$400
$500
$200
$500
$1,200
$300
N/A
$500
N/A

$3,000
$3,000
$3,000
$3,000
$2,500
$3,000
$3,000
$500
$3,000
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
Unlimited
$4,000
Unlimited
$2,000
$2,000
$1,000
$500
$500
$2,000

$15,000
$30,000
$10,000
$30,000
$15,000
$20,000
$24,000
$15,000
$10,000
$6,000
$24,000

$250
$500
$0
$200
$500
N/A
N/A
$500
$250
N/A
N/A

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$4,000

Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Australian Unity
Big Sky
Budget Direct
Budget Direct
BUPA

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 72

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
Unlimited
Unlimited $16,000
Unlimited
$2,000 $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$4,000 $30,000
Unlimited
$1,000 $10,000

N/A
N/A
$400
$2,000
$1,000
N/A
$200
$250
$500
$1,000
$500
N/A
N/A
$500
$500
$500
N/A
N/A
$250
$500
$800
N/A
$200
$500

$3,000
$4,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$600
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
N/A
$200
$6,000
$3,000

CGU
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Medibank
multitrip.com.au
NRMA
Onepath
Online Travel Insurance

Super
Super Plus
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
International Comprehensive
International - Premier Plus
International Essentials
International Travel
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
$30,000
$20,000
$10,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$10,000
$12,500
Unlimited
Unlimited
Unlimited
Unlimited
$50,000

$50,000
$50,000
$200,000
$150,000
$100,000
$20,000
$40,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
N/A
$50,000
$50,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 73

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
N/A
N/A
$400
$200
$500
N/A
$250
$500
N/A
N/A
N/A
$400
$200
$500
N/A
$250
$500
$250
N/A
$250

$6,000
$3,000
$4,000
$1,000
$3,500
$6,000
$2,500
$3,000
$3,000
$3,000
$3,000
$4,000
$1,000
$3,500
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500
$3,000

OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
RAC
Real Insurance
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
STA Travel
STA Travel
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads
Zuji

Premier Plus Extras

Super
Super Plus
International - Essential
International - Premium
Premier Plus Extras
Premium
Basics - International
Plan A - Comprehensive
Plan A - International
Super
Super Plus
Basic - International
Comprehensive - International
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard
Comprehensive

Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$25,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited

Unlimited
Unlimited $30,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
Unlimited $10,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000
Unlimited
$4,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
$2,000 $12,000
Unlimited
$1,000 $20,000
$1,000,000
$1,000
$4,000
Unlimited
$500
$5,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 74

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$1,000
$250
$250
N/A
$500
$500
N/A
$250
$500
$750
$400
$250
$250
N/A
$500
$500
$500

$3,000
$1,500
$4,000
$3,000
$3,000
$3,000
$300
$3,000
$3,000
$3,000
N/A
$3,000
N/A
$200
$2,500
$2,500
$4,000

N/A
$250
N/A
N/A
$250

N/A
$4,000
$200
$200
$4,000

AIG
Aussie Travel Cover
Aussie Travel Cover
BUPA
CHI Travel Insurance
CHI Travel Insurance
HCF Insurance
HSBC
Kango Cover
Kango Cover
multitrip.com.au
nab
National Seniors
RAC
RACQ
RACV
Suresave

Platinum (F12)
Basic - Super Plus
Plan A - Super Plus
International - Super Plus
Basic - International
Plan A - Comprehensive
Elements Plan
Plan A - Comprehensive
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier
Plan A - International
International Premium
Essentials
Premium
Premium
Comprehensive

Unlimited
$6,000
Unlimited
Unlimited
$6,000
Unlimited
$20,000
Unlimited
$12,500
$15,000
$30,000
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000
$25,000
Unlimited
N/A
$25,000,000
$50,000
Unlimited
$40,000
Unlimited
$25,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited

Unlimited
$2,000 $30,000
Unlimited
$1,000
$6,000
Unlimited
$1,000 $20,000
Unlimited
$2,000 $20,000
Unlimited
$1,000
$6,000
Unlimited
$500
$16,000
$20,000,000 20,000,00 $6,000
Unlimited
$500
$7,500
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$2,000 $15,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
$1,000
$5,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $24,000

International - Essentials
International Basic
Essentials
Essentials
Budget

$6,000
$10,000
$2,000
$2,000
$10,000

$20,000 $20,000,000
N/A
Unlimited
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited

$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

multitrip.com.au
National Seniors
RACQ
RACV
Suresave

$2,000
$1,000
$1,000
$1,000
$1,000

$4,000
$10,000
$5,000
$5,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 75

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A

$3,000

Travellers Choice

Basic - International

Unlimited

$20,000 $20,000,000

$20,000,000 20,000,00

$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 76

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Good2Go
Insure and Go
Insure and Go
NRMA
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Webjet
Woolworths
Worldcare

International Travel
Essentials Travel Insurance
Gold
Silver
International Comprehensive
B Travel Plan
Comprehensive - International
World
International
Comprehensive - Plan A
Comprehensive
Comprehensive

Unlimited
$20,000
Unlimited
$30,000
Unlimited
Unlimited
$24,000
$100,000
Unlimited
Unlimited
$24,000
Unlimited

$20,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$1,000
$1,000
$1,000
Unlimited
Unlimited
Unlimited
$1,500
$500
$2,000
Unlimited
$500

$12,000
$6,000
$16,000
$12,000
$24,000
$30,000
$20,000
$50,000
$24,000
$10,000
$20,000
$24,000

N/A
N/A
$1,000
$500
$400
N/A
$500
$500
$250
$500
$500
$250

$3,000
$250
$3,000
$2,000
$3,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
International - Essential
Plan A - Comprehensive
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Platinum
L2 - Rock Wallaby Cover

Unlimited
Unlimited
Unlimited
$50,000
$20,000
$5,000
Unlimited
Unlimited
Unlimited
$10,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$60,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000

$500
$500
Unlimited
Unlimited
$1,500
$1,500
$500
$2,000
$1,000
$500

$15,000
$10,000
$15,000
$10,000
$10,000
$4,000
$10,000
$12,000
$10,000
$3,000

$250
$500
$500
N/A
$1,000
$500
N/A
$500
$500
N/A

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$3,000
$250

1300 Insurance
1Cover Direct
Australia Post
Citibank
Downunder Insurance
Downunder Insurance
Fastcover
GIO
itrek
Kango Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 77

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
N/A
$500
N/A
N/A
N/A
$200
$250
$500
$400
N/A
$250
N/A
$250

$3,000
$200
$3,000
$3,000
$2,000
$3,000
$2,500
$500
$3,000
$3,000
$3,000
$500
$3,000
$3,000

$250
$500
$0
$200
$250
N/A
$500
$250

$3,000
$3,000
$1,500
$6,000
$1,500
$3,000
$3,000
$3,000

Medibank
NRMA
Online Travel Insurance
OUCH
QBE
Real Insurance
STA Travel
Travel Insuranz
Virgin Australia
Virgin Money
Virgin Money
Webjet
Woolworths
Zuji

International Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan
B Travel
Basics - International
Essentials - International
Classic
Comprehensive
Comprehensive - Plan A
Essentials - Plan E
Essentials - Plan B
Basic
Comprehensive

Unlimited
Unlimited
$50,000
Unlimited
Unlimited
$10,000
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
$10,000
$10,000
Unlimited

$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
$40,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$30,000 $10,000,000
N/A
Unlimited
$25,000
Unlimited

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Standard
Super
Plan A - Comprehensive
Plan A - Platinum

Unlimited
Unlimited
$20,000
Unlimited
$6,000
Unlimited
Unlimited
Unlimited

$50,000
$50,000
N/A
$50,000
$20,000
$50,000
$50,000
$40,000

Unlimited
Unlimited $16,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $12,000
$20,000,000
$1,000
$5,000
Unlimited
$4,000 $10,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
$10,000,000
$2,000
$3,000
Unlimited
Unlimited $10,000
Unlimited
$500
$5,000

Allianz
American Express
American Express
ANZ
Aussie Travel Cover
Australian Unity
Big Sky
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
Unlimited
$4,000
$1,000
$2,000
$1,000
$500

$15,000
$30,000
$10,000
$30,000
$6,000
$20,000
$15,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 78

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$6,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$500
$16,000
Unlimited
Unlimited $60,000
Unlimited
Unlimited $20,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000

N/A
N/A
N/A
$500
$400
$400
$2,000
$1,000
N/A
$200
$250
$500
$500
$1,000
$1,000
$500
N/A
N/A
N/A
$500
$250
$500
$500
N/A

$3,000
$4,000
$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$2,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000

Budget Direct
BUPA
CGU
CHI Travel Insurance
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek

Plan B - Silver
International - Super
Super
Plan A - Comprehensive
International - Elite
International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Standard
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold

$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$100,000
$30,000
$20,000
$10,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000

N/A
$50,000
$50,000
$50,000
$200,000
$50,000
$150,000
$100,000
$20,000
$40,000
$50,000
$50,000
$40,000
$50,000
$50,000
$50,000
$30,000
$50,000
N/A
$50,000
$25,000
$30,000
$30,000
$30,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$600,000
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 79

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$2,000 $24,000
Unlimited
$500
$15,000
Unlimited
$500
$7,500
Unlimited
Unlimited $30,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$2,000 $12,000
$20,000,000
$2,000 $15,000
$20,000,000
$1,000
$7,000

$250
$500
$750
$800
$250
$250
$200
N/A
N/A
N/A
$400
N/A
$200
$500
$500
$500
$250
$500
N/A
N/A
$400
$500
$1,200
$300

$3,000
$3,000
$3,000
N/A
$3,000
$3,000
$6,000
$2,000
$3,000
$1,000
$3,500
$3,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$3,000
$3,000
$500

Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
MyCover
nab
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz

L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - Comprehensive
Plan A - International
Premier Plus Extras
Standard
Super
International - Essential
International - Premium
A Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Super
Basic - International
Comprehensive - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier

$12,500
$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000

N/A
N/A
$50,000
$50,000
$50,000
$25,000
$50,000
$30,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000
$60,000
$20,000

$10,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$40,000,000
$40,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 80

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Virgin Australia
Westpac
World Nomads
World Nomads

Essentials
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
$7,000

N/A
Unlimited
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Silver (D12)
Plan A - Standard
Standard
Super Plus
International - Standard
Standard
Super Plus
Basic - International
Super Plus
International Basic
International Premium
International Travel
Super Plus
Essentials
Standard
Super Plus
Comprehensive
Comprehensive - International

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$30,000
$30,000
$50,000
$30,000
$30,000
$50,000
$20,000
$50,000
N/A
$50,000
$50,000
$50,000
$20,000
$30,000
$50,000
$50,000
$25,000

Unlimited
Unlimited
Unlimited
$1,000,000

$4,000
$2,000
$1,000
$1,000

$10,000
$12,000
$20,000
$4,000

N/A
$500
$250
N/A

$3,000
$3,000
$2,000
$500

Unlimited
Unlimited
$600,000
Unlimited
$600,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$2,000
$2,000
$2,000
$2,000
$2,000
$1,000
$2,000
$1,000
$500
$4,000
$2,000
$1,000
$2,000
$2,000
$1,000
Unlimited

$30,000
$10,000
$10,000
$24,000
$10,000
$10,000
$24,000
$6,000
$24,000
$10,000
$7,500
$30,000
$24,000
$5,000
$10,000
$24,000
$24,000
$12,000

$1,000
$250
N/A
N/A
N/A
N/A
N/A
$500
N/A
$250
$250
$200
N/A
N/A
N/A
N/A
$500
$200

$3,000
$4,000
$2,000
$4,000
$2,000
$2,000
$4,000
$3,000
$4,000
$4,000
N/A
$6,000
$4,000
$200
$2,000
$4,000
$4,000
$3,000

AIG
Aussie Travel Cover
Australian Unity
Australian Unity
BUPA
CGU
CGU
CHI Travel Insurance
HBF Insurance
National Seniors
National Seniors
Onepath
People's Choice Credit Union
RAC
St.George Bank
St.George Bank
Suresave
Travellers Choice

Unlimited
Unlimited
$600,000
Unlimited
$600,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 81

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A
$400
N/A
N/A
$250
N/A

$3,000
N/A
N/A
$200
$200
$4,000
$3,000

BUPA
multitrip.com.au
multitrip.com.au
RACQ
RACV
Suresave
Travellers Choice

International - Super Plus

International - Essentials
International - Premier
Essentials
Essentials
Budget
Basic - International

Unlimited
$6,000
$30,000
$2,000
$2,000
$10,000
Unlimited

$50,000
Unlimited
$20,000 $20,000,000
$40,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$20,000 $20,000,000

Unlimited
$2,000 $20,000
$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 82

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Downunder Insurance
Good2Go
Insure and Go
Insure and Go
NRMA
Online Travel Insurance
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
International Comprehensive
Plan A - Comprehensive
Basics - International
Comprehensive - International
New Zealand / South Pacific
International
Classic
Comprehensive

$5,000
$20,000
Unlimited
$30,000
Unlimited
$50,000
$10,000
$24,000
$100,000
Unlimited
$5,000
Unlimited

$30,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited

$1,500
$1,000
$1,000
$1,000
Unlimited
$1,000
Unlimited
Unlimited
$1,500
$500
$1,000
$500

$4,000
$6,000
$16,000
$12,000
$24,000
$10,000
$10,000
$20,000
$50,000
$24,000
$5,000
$24,000

$500
N/A
$1,000
$500
$400
$500
N/A
$500
$500
$250
$250
$250

$3,000
$250
$3,000
$2,000
$3,000
$3,000
$3,000
$3,000
$3,000
$4,000
$500
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Travel
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International Comprehensive
Plan A - Comprehensive
Plan A - Platinum
Premier
Standard

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
$20,000

$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$150,000 $40,000,000
$100,000 $25,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000

$500
$500
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$500
$4,000
$2,000

$15,000
$10,000
$12,000
$30,000
$10,000
$15,000
$15,000
$10,000
$15,000
$12,000

$250
$500
N/A
$500
$0
$500
$500
$250
$2,000
$1,000

$3,000
$3,000
$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
1Cover Direct
AAMI
American Express
American Express
Australia Post
Big Sky
Budget Direct
Columbus Direct
Columbus Direct

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 83

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,500 $10,000
Unlimited
$2,000 $12,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
Unlimited
Unlimited $16,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $30,000
Unlimited
$500
$15,000
$20,000,000
$1,000
$7,000
Unlimited
$4,000 $10,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $10,000
Unlimited
Unlimited $20,000
Unlimited
$500
$5,000

$1,000
$500
$1,000
$500
$500
N/A
$500
N/A
N/A
$250
$300
$500
$400
$500
$500
$250

$3,000
$3,000
$600
$3,000
$3,000
$250
$3,000
$200
$1,000
$3,000
$500
$3,000
$3,000
$500
$3,000
$3,000

$1,000
$250
$200
$250
N/A
N/A

$3,000
$3,000
$6,000
$1,500
$500
$3,000

Downunder Insurance
GIO
Good2Go
Greater Building Society
itrek
Kango Cover
Medibank
NRMA
OUCH
Simply Travel Insurance
Travel Insuranz
Virgin Australia
Virgin Money
Webjet
Woolworths
Zuji

Plan A - Comprehensive
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Platinum
L2 - Rock Wallaby Cover
International Comprehensive
International Essentials
C Travel Plan
Plan A - Comprehensive
Premier
Comprehensive
Comprehensive - Plan A
Comprehensive - Plan A
Comprehensive
Comprehensive

$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$24,000
Unlimited

$60,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$20,000 $20,000,000
$20,000
Unlimited
$50,000
Unlimited
$20,000 $40,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$25,000
Unlimited

Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Economy
Super

Unlimited
Unlimited
Unlimited
$6,000
Unlimited
Unlimited

$50,000
$50,000
$50,000
$20,000
$20,000
$50,000

AIG
Allianz
ANZ
Aussie Travel Cover
Australian Unity
Australian Unity

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited

$2,000
$500
$4,000
$1,000
$2,000
$2,000

$30,000
$15,000
$30,000
$6,000
$7,000
$20,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 84

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$6,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
Unlimited
$1,000
$6,000
Unlimited
$500
$16,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $20,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
$250,000
$2,000
$7,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500

N/A
N/A
N/A
$500
$500
N/A
$400
$200
$250
N/A
$500
$1,000
N/A
N/A
N/A
N/A
$500
$250
$500
$500
N/A
$250
$500
$750

$3,000
$500
$3,000
$3,000
$3,000
$3,500
$3,500
$2,500
$3,000
$3,000
$2,000
$3,000
$500
$2,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

Budget Direct
CGU
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
HBF Insurance
HBF Insurance
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover

Plan B - Silver
Economy
Super
Basic - International
Plan A - Comprehensive
International - Essential
International - Premium
Travelsure - International
Plan A - Comprehensive
Plan E - Standard
Go Basic - International
Go Plus - International
Economy
Standard
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover

$10,000
Unlimited
Unlimited
$6,000
Unlimited
$50,000
$100,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$12,500
$12,500
$15,000

N/A
$20,000
$50,000
$20,000
$50,000
$40,000
$50,000
$40,000
$50,000
$30,000
$40,000
$50,000
$20,000
$30,000
$50,000
N/A
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
N/A
$50,000

Unlimited
$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
$250,000
$600,000
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$25,000,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 85

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$250
$250
$250
$200
N/A
N/A
$200
N/A
N/A
N/A
$400
N/A
N/A
N/A
$200
$500
$500
$500
$500
N/A
N/A
N/A
$400

$3,000
$3,000
$4,000
N/A
$6,000
$3,000
$2,000
$6,000
$500
$3,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$500
$3,000
$1,000
$3,500

MyCover
nab
National Seniors
National Seniors
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Ski Insurance
St.George Bank
St.George Bank
STA Travel
STA Travel

Plan A - Comprehensive
Plan A - International
International Basic
International Premium
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Super
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - International
Economy
Super
Basic - International
Comprehensive - International

Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited

Unlimited
$500
$15,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
$500
$7,500
Unlimited
$4,000 $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 86

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
$500
$250
$500
$1,200
$200
N/A
N/A
$250
$500
N/A

$2,500
$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000

$250
N/A
N/A
N/A
N/A
N/A
$400
N/A
$500
N/A
$800

$3,000
$4,000
$500
$4,000
$2,000
$4,000
$3,500
$200
$3,000
$4,000
N/A

STA Travel
Suncorp Bank
Suresave
Suresave
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Money
Webjet
Westpac
Woolworths

Essentials - International
Holiday Travel Insurance - Single Trip
Budget
Comprehensive
Deluxe
Comprehensive - International
Essentials
Essentials - Plan E
Essentials - Plan B
Holiday Travel Insurance
Basic

Unlimited
Unlimited
$10,000
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$10,000

$40,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$60,000 $40,000,000
$25,000
Unlimited
N/A
Unlimited
N/A
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
N/A
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

Plan A - NZ/Indonesia/Fiji
Super Plus
International - Economy
International - Super
Standard
Super Plus
International - Elite
Essentials - International
Plan D - Comprehensive with Snow C
Super Plus
International - Premier Plus

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$200,000 Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited

Unlimited
$1,000
$6,000
Unlimited
$2,000 $24,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $24,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$20,000,000 20,000,00 $6,000
Unlimited
$500
$15,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $24,000

Unlimited
$2,000
$1,000
$1,000
$2,000
Unlimited
$4,000
$1,000
$2,000
$2,000
Unlimited

$12,000
$12,000
$10,000
$24,000
$15,000
$12,000
$10,000
$6,000
$3,000
$12,000
$10,000

Aussie Travel Cover

Australian Unity
BUPA
BUPA
CGU
CGU
Citibank
Covermore
Fastcover
HBF Insurance
multitrip.com.au

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 87

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$600,000
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited

$600,000
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited

$10,000
$24,000
$5,000
$5,000
$5,000
$10,000
$24,000
$20,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250

$2,000
$4,000
$200
$200
$200
$2,000
$4,000
$2,000

$10,000
$10,000
$20,000
$4,000
$15,000
$3,000
$4,000

N/A
N/A
N/A
N/A
$400
N/A
N/A

$2,000
$2,000
$3,000
N/A
N/A
$3,000
$500

People's Choice Credit Union

People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank
St.George Bank
World Nomads

Standard
Super Plus
Essentials
Essentials
Essentials
Standard
Super Plus
Explorer

Unlimited
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited

$30,000
$50,000
$20,000
$20,000
$20,000
$30,000
$50,000
$25,000

Standard
International - Standard
International - Super Plus
International - Essentials
International - Premier
Basic - International
Standard

Unlimited
Unlimited
Unlimited
$6,000
$30,000
Unlimited
$7,000

$30,000
$600,000
$30,000
$600,000
$50,000
Unlimited
$20,000 $20,000,000
$40,000
Unlimited
$20,000 $20,000,000
N/A
$10,000,000

$2,000
$2,000
$1,000
$1,000
$1,000
$2,000
$2,000
$1,000

Australian Unity
BUPA
BUPA
multitrip.com.au
multitrip.com.au
Travellers Choice
World Nomads

$600,000
$2,000
$600,000
$2,000
Unlimited
$2,000
$20,000,000
$2,000
Unlimited
$2,000
$20,000,000 20,000,00
$1,000,000
$1,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 88

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Downunder Insurance
Good2Go
Insure and Go
NRMA
Online Travel Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

International Travel
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
International Comprehensive
Plan A - Comprehensive
World
International
Classic
Comprehensive

Unlimited
$50,000
$5,000
$20,000
Unlimited
Unlimited
$50,000
$100,000
Unlimited
$5,000
Unlimited

$20,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Comprehensive
Plan A - Platinum
Plan A - Comprehensive
Plan E - Standard
Holiday Travel Insurance
Plan A - Comprehensive
Silver
Platinum

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
Unlimited

$50,000
$50,000
$50,000
$50,000
$40,000
$60,000
$30,000
$50,000
$50,000
$75,000
$30,000

Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited

Unlimited
Unlimited
$1,500
$1,000
$1,000
Unlimited
$1,000
$1,500
$500
$1,000
$500

$12,000
$10,000
$4,000
$6,000
$16,000
$24,000
$10,000
$50,000
$24,000
$5,000
$24,000

N/A
N/A
$500
N/A
$1,000
$400
$500
$500
$250
$250
$250

$3,000
$3,500
$3,000
$250
$3,000
$3,000
$3,000
$3,000
$4,000
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
$1,000
$500
$1,500
$500
$2,000
$1,000
$1,000
$1,000

$15,000
$15,000
$15,000
$15,000
$10,000
$10,000
$10,000
$12,000
$15,000
$12,000
$10,000

$250
$250
$500
$500
$250
$1,000
N/A
$500
$500
$500
$500

$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000

1300 Insurance
Allianz
Australia Post
Big Sky
Budget Direct
Downunder Insurance
Fastcover
GIO
Greater Building Society
Insure and Go
itrek

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 89

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
$250
N/A
N/A
N/A
$500
$250
$400
N/A
$500
$500

$3,000
$3,000
$200
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000

$500
$500
$0
N/A
N/A
N/A
N/A
$400
$400
$2,000
$1,000

$3,000
$3,000
$1,500
$3,000
$3,000
$4,000
$3,000
$3,500
$3,500
$3,000
$3,000

Medibank
MyCover
NRMA
OUCH
QBE
Real Insurance
Simply Travel Insurance
Virgin Money
Virgin Money
Webjet
Woolworths

International Comprehensive
Plan A - Comprehensive
International Essentials
A Travel Plan
A Travel
Comprehensive - International
Plan A - Comprehensive
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$24,000
Unlimited
Unlimited
Unlimited
Unlimited
$24,000

$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$24,000
Unlimited

Unlimited
Unlimited $16,000
Unlimited
$500
$15,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $20,000
Unlimited
$500
$15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
Unlimited
Unlimited $20,000

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
Super
Plan B - Silver
International - Super
Super
International - Elite
International - Premium
Premier
Standard

Unlimited
Unlimited
$20,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$100,000
$30,000
$20,000

$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$150,000 $40,000,000
$100,000 $25,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000

1Cover Direct
American Express
American Express
Australian Unity
Budget Direct
BUPA
CGU
Citibank
Citibank
Columbus Direct
Columbus Direct

$500
Unlimited
Unlimited
$2,000
$500
$2,000
$2,000
Unlimited
Unlimited
$4,000
$2,000

$10,000
$30,000
$10,000
$20,000
$6,000
$24,000
$20,000
$60,000
$20,000
$15,000
$12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 90

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$20,000,000 20,000,00 $6,000

Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$2,000 $24,000
Unlimited
$500
$7,500
Unlimited
Unlimited $30,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $3,000

N/A
$200
$250
$500
$500
$1,000
$1,000
N/A
N/A
$500
$250
$500
$500
N/A
N/A
$250
$500
$750
$800
$250
$200
N/A
N/A
N/A

$200
$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
N/A
$3,000
$6,000
$3,000
$4,000
$1,000

Covermore
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
nab
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects

Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - International
Premier Plus Extras
Super
Super Plus
International - Essential

$10,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$10,000
$12,500
$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000

$20,000
$40,000
$50,000
$50,000
$40,000
$50,000
$50,000
$50,000
$50,000
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
N/A
N/A
$50,000
$50,000
$25,000
$50,000
$50,000
$50,000
N/A

$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 91

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
Unlimited $10,000
Unlimited
$1,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$2,000 $12,000
$20,000,000
$2,000 $15,000
$20,000,000
$1,000
$7,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000
Unlimited
$4,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
$2,000 $12,000
Unlimited
Unlimited $10,000
Unlimited
$1,000 $20,000
$1,000,000
$1,000
$4,000
Unlimited
$500
$5,000

$400
$200
$500
$500
N/A
$500
N/A
N/A
$400
$200
$500
$1,200
$300
$200
$500
N/A
$250
$500
N/A
$250
N/A
$250

$3,500
$6,000
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$2,000
$500
$3,000

Priceline Protects
QBE
RAC
RACQ
Real Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
Woolworths
World Nomads
World Nomads
Zuji

International - Premium
Premier Plus Extras
Premium
Premium
Basics - International
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Basic
Explorer
Standard
Comprehensive

$20,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$10,000
Unlimited
$7,000
Unlimited

$50,000
$50,000
$50,000
$50,000
N/A
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$60,000
$20,000
$25,000
$50,000
N/A
$30,000
$50,000
N/A
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 92

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$1,000
$200
$250
$250
N/A
N/A
N/A
$500
$500
N/A
$400
$250
$250
$200
N/A
$500
N/A
$500

$3,000
$6,000
$1,500
$4,000
$4,000
$3,000
$4,000
$3,000
$3,000
$300
N/A
$4,000
N/A
$6,000
$200
$2,500
$4,000
$4,000

N/A
N/A
N/A
$250

N/A
$200
$200
$4,000

AIG
ANZ
Aussie Travel Cover
Aussie Travel Cover
Australian Unity
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
HCF Insurance
multitrip.com.au
National Seniors
National Seniors
Onepath
RAC
RACV
St.George Bank
Suresave

Gold (C12)
International
Basic - Super
Plan A - Super
Super Plus
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
Elements Plan
International - Premier
International Basic
International Premium
International Travel
Essentials
Premium
Super Plus
Comprehensive

Unlimited
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$20,000
$30,000
$10,000
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000
$40,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited

Unlimited
$2,000 $30,000
Unlimited
$4,000 $30,000
Unlimited
$1,000
$6,000
Unlimited
$1,000 $16,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
$1,000
$6,000
Unlimited
$500
$16,000
$20,000,000 20,000,00 $6,000
Unlimited
$2,000 $15,000
Unlimited
$1,000 $10,000
Unlimited
$500
$7,500
Unlimited
$4,000 $30,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $24,000
Unlimited
$1,000 $24,000

International - Essentials
Essentials
Essentials
Budget

$6,000
$2,000
$2,000
$10,000

$20,000 $20,000,000
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited

$20,000,000
Unlimited
Unlimited
Unlimited

multitrip.com.au
RACQ
RACV
Suresave

$2,000
$1,000
$1,000
$1,000

$4,000
$5,000
$5,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 93

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A

$3,000

Travellers Choice

Basic - International

Unlimited

$20,000 $20,000,000

$20,000,000 20,000,00

$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 94

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$1,000
$500
$400
N/A
$500
$250
$250
N/A
$500
$250

$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000
$3,000

N/A
$500
$500
N/A
$500
N/A
$500
$500
$250
N/A
$500

$3,000
$3,000
$3,000
$3,500
$3,000
$250
$3,000
$3,000
$3,000
$200
$3,000

1300 Insurance
Insure and Go
Insure and Go
NRMA
Real Insurance
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare

Plan A Comprehensive
Gold
Silver
International Comprehensive
Basics - International
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive

Unlimited
Unlimited
$30,000
Unlimited
$10,000
$24,000
Unlimited
$5,000
$10,000
$24,000
Unlimited

$50,000
Unlimited
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited
N/A
$40,000,000
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited

International Travel
International Comprehensive
Plan A - Comprehensive
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Plan A - Comprehensive
International Comprehensive
Plan A - Comprehensive
International Essentials
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
$50,000
$5,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$50,000

$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited

Unlimited
Unlimited $12,000
Unlimited
Unlimited $15,000
Unlimited
$1,000 $15,000
Unlimited
Unlimited $10,000
Unlimited
$1,500
$4,000
$10,000,000
$1,000
$6,000
Unlimited
$1,000 $15,000
Unlimited
Unlimited $16,000
Unlimited
$500
$15,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $10,000

$500
$1,000
$1,000
Unlimited
Unlimited
Unlimited
$500
$1,000
Unlimited
Unlimited
$500

$15,000
$16,000
$12,000
$24,000
$10,000
$20,000
$24,000
$5,000
$10,000
$20,000
$24,000

AAMI
Australia Post
Big Sky
Citibank
Downunder Insurance
Good2Go
Greater Building Society
Medibank
MyCover
NRMA
Online Travel Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 95

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

OUCH
Priceline Protects
QBE
Simply Travel Insurance
Southern Cross Travel Insuranc
Virgin Australia
Virgin Money
World Nomads
World Nomads
Zuji

A Travel Plan
International - Premium
A Travel
Plan A - Comprehensive
Superworld
Comprehensive
Comprehensive - Plan A
Explorer
Standard
Comprehensive

Unlimited
$20,000
Unlimited
Unlimited
$100,000
Unlimited
Unlimited
Unlimited
$7,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000,000
Unlimited

Unlimited
Unlimited
Unlimited
$500
$1,500
$4,000
$1,000
$1,000
$1,000
$500

$30,000
$10,000
$30,000
$15,000
$50,000
$10,000
$15,000
$20,000
$4,000
$5,000

N/A
$400
N/A
$250
$500
$500
$400
$250
N/A
$250

$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$500
$3,000

Plan A - Comprehensive
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Plan A - Platinum
Plan B - Silver
International - Elite
International - Premium
Premier
Standard
Essentials - International

Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$10,000
Unlimited
$100,000
$30,000
$20,000
$10,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$40,000
Unlimited
N/A
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$150,000 $40,000,000
$100,000 $25,000,000
$20,000 $20,000,000

Unlimited
$500
Unlimited
$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$4,000
Unlimited
$500
Unlimited
$500
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$4,000
$25,000,000
$2,000
$20,000,000 20,000,00

$10,000
$15,000
$30,000
$10,000
$30,000
$10,000
$6,000
$60,000
$20,000
$15,000
$12,000
$6,000

$500
$250
$500
$0
$200
$250
N/A
$400
$400
$2,000
$1,000
N/A

$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$200

1Cover Direct
Allianz
American Express
American Express
ANZ
Budget Direct
Budget Direct
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 96

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $12,000
Unlimited
$1,500 $10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
Unlimited
$2,000 $12,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$2,000 $24,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
Unlimited
$2,000 $24,000
Unlimited
$500
$7,500
Unlimited
$500
$7,500
Unlimited
Unlimited $30,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $30,000

$200
$1,000
$250
$500
N/A
$500
$500
$1,000
$1,000
N/A
N/A
$500
$250
$500
N/A
$500
N/A
$800
$250
$250
$200
N/A
N/A
$200

$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$4,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$250
N/A
$3,000
N/A
$6,000
$4,000
$1,000
$6,000

Covermore
Downunder Insurance
Fastcover
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
itrek
itrek
Kango Cover
multitrip.com.au
nab
National Seniors
OUCH
People's Choice Credit Union
Priceline Protects
QBE

Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Super Plus
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Gold
Platinum
L2 - Rock Wallaby Cover
International - Premier Plus
Plan A - International
International Premium
Premier Plus Extras
Super Plus
International - Essential
Premier Plus Extras

$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$40,000
$60,000
$50,000
$50,000
$30,000
$50,000
$40,000
$50,000
$50,000
$50,000
N/A
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
$50,000
$25,000
$50,000
$50,000
$50,000
N/A
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 97

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000
$5,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $24,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$2,000 $12,000
$20,000,000
$2,000 $15,000
$20,000,000
$1,000
$7,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
$2,000 $12,000

N/A
$500
$500
$500
N/A
N/A
$400
$200
$500
$1,200
$300
$200
N/A
N/A
$500
$250
$500

$200
$2,500
$2,500
$2,500
$4,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$500
$3,000

$1,000
$250
$250
N/A
N/A

$3,000
$1,500
$4,000
$4,000
$3,000

RAC
RAC
RACQ
RACV
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Money
Webjet
Webjet
Westpac

Essentials
Premium
Premium
Premium
Super Plus
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Essentials
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Holiday Travel Insurance

$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$20,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$60,000
$20,000
$25,000
N/A
N/A
$50,000
$30,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited

Gold (C12)
Basic - Super
Plan A - Super
Super Plus
International - Super Plus

Unlimited
$6,000
Unlimited
Unlimited
Unlimited

$50,000
$20,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

AIG
Aussie Travel Cover
Aussie Travel Cover
Australian Unity
BUPA

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$2,000
$2,000

$30,000
$6,000
$16,000
$24,000
$20,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 98

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$24,000
$6,000
$16,000
$15,000
$5,000
$15,000
$10,000
$30,000
$10,000
$10,000
$24,000

N/A
$500
$500
$500
$250
$400
$250
$200
$500
$250
$500

$4,000
$3,000
$3,000
$3,000
$3,000
N/A
$4,000
$6,000
$3,000
$4,000
$4,000

$6,000
$7,500
$4,000
$5,000
$5,000
$3,000

$500
$750
N/A
N/A
N/A
N/A

$3,000
$3,000
N/A
$200
$200
$3,000

CGU
CHI Travel Insurance
CHI Travel Insurance
Hume Building Society
Kango Cover
multitrip.com.au
National Seniors
Onepath
Ski Insurance
Suresave
Suresave

Super Plus
Basic - International
Plan A - Comprehensive
Plan D - Snow Cover
L3 - Wallaby Cover
International - Premier
International Basic
International Travel
Plan A - International
Budget
Comprehensive

Unlimited
$6,000
Unlimited
Unlimited
$12,500
$30,000
$10,000
Unlimited
Unlimited
$10,000
Unlimited

$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$40,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

L4 - Eastern Grey Cover

L5 - Big Red Cover
International - Essentials
Essentials
Essentials
Basic - International

$12,500
$15,000
$6,000
$2,000
$2,000
Unlimited

N/A
$25,000,000
$50,000
Unlimited
$20,000 $20,000,000
$20,000
Unlimited
$20,000
Unlimited
$20,000 $20,000,000

$12,500,000
$1,000
Unlimited
$1,000
$20,000,000
$2,000
Unlimited
$1,000
Unlimited
$1,000
$20,000,000 20,000,00

$2,000
$1,000
$500
$500
$500
$2,000
$1,000
$4,000
$1,000
$1,000
$1,000

Kango Cover
Kango Cover
multitrip.com.au
RACQ
RACV
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 99

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Downunder Insurance
Good2Go
Insure and Go
Insure and Go
NRMA
Online Travel Insurance
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
International Comprehensive
Plan A - Comprehensive
Basics - International
Comprehensive - International
New Zealand / South Pacific
International
Classic
Comprehensive

$5,000
$20,000
Unlimited
$30,000
Unlimited
$50,000
$10,000
$24,000
$100,000
Unlimited
$5,000
Unlimited

$30,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited

$1,500
$1,000
$1,000
$1,000
Unlimited
$1,000
Unlimited
Unlimited
$1,500
$500
$1,000
$500

$4,000
$6,000
$16,000
$12,000
$24,000
$10,000
$10,000
$20,000
$50,000
$24,000
$5,000
$24,000

$500
N/A
$1,000
$500
$400
$500
N/A
$500
$500
$250
$250
$250

$3,000
$250
$3,000
$2,000
$3,000
$3,000
$3,000
$3,000
$3,000
$4,000
$500
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Travel
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International Comprehensive
Plan A - Comprehensive
Plan A - Platinum
Premier
Standard

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
$20,000

$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$150,000 $40,000,000
$100,000 $25,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000

$500
$500
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$500
$4,000
$2,000

$15,000
$10,000
$12,000
$30,000
$10,000
$15,000
$15,000
$10,000
$15,000
$12,000

$250
$500
N/A
$500
$0
$500
$500
$250
$2,000
$1,000

$3,000
$3,000
$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
1Cover Direct
AAMI
American Express
American Express
Australia Post
Big Sky
Budget Direct
Columbus Direct
Columbus Direct

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 100

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,500 $10,000
Unlimited
$2,000 $12,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
Unlimited
Unlimited $24,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
Unlimited
Unlimited $16,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $30,000
Unlimited
$500
$15,000
$20,000,000
$1,000
$7,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
Unlimited
$500
$5,000

$1,000
$500
$1,000
$500
$500
$500
N/A
$500
N/A
N/A
$250
$300
$400
N/A
$500
$250

$3,000
$3,000
$600
$3,000
$6,000
$3,000
$250
$3,000
$200
$1,000
$3,000
$500
$3,000
$3,000
$500
$3,000

$1,000
$250
$200
$250
N/A
N/A

$3,000
$3,000
$6,000
$1,500
$3,000
$3,000

Downunder Insurance
GIO
Good2Go
Greater Building Society
HCF Insurance
itrek
Kango Cover
Medibank
NRMA
OUCH
Simply Travel Insurance
Travel Insuranz
Virgin Money
Virgin Money
Webjet
Zuji

Plan A - Comprehensive
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
International Travel Plan
Platinum
L2 - Rock Wallaby Cover
International Comprehensive
International Essentials
C Travel Plan
Plan A - Comprehensive
Premier
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Comprehensive

$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited

$60,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$20,000 $20,000,000
$20,000
Unlimited
$50,000
Unlimited
$20,000 $40,000,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$25,000
Unlimited

Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Super
Plan B - Silver

Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$10,000

$50,000
$50,000
$50,000
$20,000
$50,000
N/A

AIG
Allianz
ANZ
Aussie Travel Cover
Australian Unity
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$500
$4,000
$1,000
$2,000
$500

$30,000
$15,000
$30,000
$6,000
$20,000
$6,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 101

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
Unlimited
$1,000
$6,000
Unlimited
$500
$16,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $20,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$2,000 $15,000
Unlimited
$2,000 $24,000
Unlimited
$500
$15,000

N/A
N/A
$500
$500
N/A
$400
$200
$250
N/A
$500
$1,000
N/A
N/A
N/A
$250
$500
$500
N/A
$250
$500
$750
$400
$800
$250

$500
$3,000
$3,000
$3,000
$3,500
$3,500
$2,500
$3,000
$3,000
$2,000
$3,000
$500
$3,000
$300
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
N/A
$3,000

CGU
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
multitrip.com.au
MyCover

Economy
Super
Basic - International
Plan A - Comprehensive
International - Essential
International - Premium
Travelsure - International
Plan A - Comprehensive
Plan E - Standard
Go Basic - International
Go Plus - International
Economy
Super
Elements Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier
International - Premier Plus
Plan A - Comprehensive

Unlimited
Unlimited
$6,000
Unlimited
$50,000
$100,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
$12,500
$12,500
$15,000
$30,000
Unlimited
Unlimited

$20,000
$50,000
$20,000
$50,000
$40,000
$50,000
$40,000
$50,000
$30,000
$40,000
$50,000
$20,000
$50,000
N/A
$25,000
$30,000
$30,000
$30,000
N/A
N/A
$50,000
$40,000
$50,000
$50,000

$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
$250,000
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 102

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$250
$250
$200
N/A
N/A
$200
N/A
N/A
N/A
$400
N/A
N/A
N/A
$200
$500
$500
$500
$500
N/A
N/A
N/A
$400
$200

$3,000
$4,000
N/A
$6,000
$3,000
$2,000
$6,000
$500
$3,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$500
$3,000
$1,000
$3,500
$2,500

nab
National Seniors
National Seniors
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Ski Insurance
St.George Bank
St.George Bank
STA Travel
STA Travel
STA Travel

Plan A - International
International Basic
International Premium
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Super
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - International
Economy
Super
Basic - International
Comprehensive - International
Essentials - International

Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$25,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$40,000
Unlimited

Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
$500
$7,500
Unlimited
$4,000 $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 103

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Suncorp Bank
Suresave
Suresave
Travel Insuranz
Travellers Choice
Virgin Australia
Webjet
Westpac
Woolworths
Woolworths

Holiday Travel Insurance - Single Trip

Budget
Comprehensive
Deluxe
Comprehensive - International
Comprehensive
Essentials - Plan B
Holiday Travel Insurance
Basic
Comprehensive

Unlimited
$10,000
Unlimited
$20,000
Unlimited
Unlimited
$10,000
Unlimited
$10,000
$24,000

$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$60,000 $40,000,000
$25,000
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited

Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$2,000
Unlimited
$4,000
$2,000
$2,000
Unlimited
Unlimited

$12,000
$10,000
$24,000
$15,000
$12,000
$10,000
$3,000
$12,000
$10,000
$20,000

$500
$250
$500
$1,200
$200
$500
$250
$500
N/A
$500

$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000

Plan A - NZ/Indonesia/Fiji
Economy
Super Plus
International - Economy
International - Super
Standard
Super Plus
International - Elite
Plan D - Comprehensive with Snow C
Standard
Super Plus
International - Essentials

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000

$20,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$20,000 $20,000,000

Unlimited
$250,000
Unlimited
$250,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
$20,000,000

$1,000
$2,000
$2,000
$2,000
$2,000
$2,000
$2,000
Unlimited
$500
$2,000
$2,000
$2,000

$6,000
$7,000
$24,000
$7,000
$24,000
$10,000
$24,000
$60,000
$15,000
$10,000
$24,000
$4,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
$400
$500
N/A
N/A
N/A

$3,000
$500
$4,000
$500
$4,000
$2,000
$4,000
$3,500
$3,000
$2,000
$4,000
N/A

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
BUPA
CGU
CGU
Citibank
Fastcover
HBF Insurance
HBF Insurance
multitrip.com.au

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 104

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$600,000
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited

$600,000
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited

$10,000
$24,000
$5,000
$5,000
$5,000
$10,000
$24,000
$20,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A
$250

$2,000
$4,000
$200
$200
$200
$2,000
$4,000
$2,000

$600,000
$2,000 $10,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
$20,000,000 20,000,00 $3,000
$1,000,000
$1,000
$4,000

N/A
N/A
N/A
N/A
N/A
N/A

$2,000
$2,000
$3,000
$200
$3,000
$500

People's Choice Credit Union

People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank
St.George Bank
World Nomads

Standard
Super Plus
Essentials
Essentials
Essentials
Standard
Super Plus
Explorer

Unlimited
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited

$30,000
$50,000
$20,000
$20,000
$20,000
$30,000
$50,000
$25,000

Standard
International - Standard
International - Super Plus
Essentials - International
Basic - International
Standard

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$7,000

$30,000
$600,000
$30,000
$600,000
$50,000
Unlimited
$20,000 $20,000,000
$20,000 $20,000,000
N/A
$10,000,000

$2,000
$2,000
$1,000
$1,000
$1,000
$2,000
$2,000
$1,000

Australian Unity
BUPA
BUPA
Covermore
Travellers Choice
World Nomads

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 105

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Downunder Insurance
Good2Go
Insure and Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money
Woolworths

Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
A Travel Plan
Comprehensive - International
World
International
Classic
Comprehensive - Plan A
Comprehensive

$5,000
$20,000
Unlimited
$30,000
Unlimited
$24,000
$100,000
Unlimited
$5,000
Unlimited
$24,000

$30,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited
$24,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited

$1,500
$1,000
$1,000
$1,000
Unlimited
Unlimited
$1,500
$500
$1,000
$1,000
Unlimited

$4,000
$6,000
$16,000
$12,000
$30,000
$20,000
$50,000
$24,000
$5,000
$15,000
$20,000

$500
N/A
$1,000
$500
N/A
$500
$500
$250
$250
$400
$500

$3,000
$250
$3,000
$2,000
$3,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
International Travel
International - Essential
International - Premium
Plan A - Comprehensive
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Platinum

Unlimited
Unlimited
$50,000
$100,000
$20,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited

$50,000
Unlimited
$20,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$60,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$40,000 $40,000,000
$50,000 $40,000,000
$50,000
Unlimited
$30,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited

$500
Unlimited
Unlimited
Unlimited
$1,500
$500
$2,000
$1,500
$3,000
$4,000
$1,000

$15,000
$12,000
$10,000
$20,000
$10,000
$10,000
$12,000
$15,000
$20,000
$3,000
$10,000

$250
N/A
N/A
$400
$1,000
N/A
$500
$500
$1,000
$1,000
$500

$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$3,000

1300 Insurance
AAMI
Citibank
Citibank
Downunder Insurance
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
itrek

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 106

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Kango Cover
Kango Cover
MyCover
NRMA
QBE
Real Insurance
Travel Insuranz
Virgin Money
Webjet
Woolworths
Worldcare

L2 - Rock Wallaby Cover

L3 - Wallaby Cover
Plan A - Comprehensive
International Comprehensive
A Travel
Basics - International
Premier
Essentials - Plan E
Comprehensive - Plan A
Basic
Comprehensive

$10,000
$12,500
Unlimited
Unlimited
Unlimited
$10,000
$10,000
Unlimited
Unlimited
$10,000
Unlimited

N/A
$10,000,000
N/A
$10,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$20,000 $40,000,000
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited

Plan A - Comprehensive
Gold (C12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000

$50,000
$50,000
$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$40,000
N/A

$5,000,000
$5,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
$500
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$2,000
Unlimited
$500

$3,000
$5,000
$15,000
$24,000
$30,000
$10,000
$7,000
$6,000
$10,000
$10,000
$24,000

N/A
$250
$250
$400
N/A
N/A
$300
N/A
$500
N/A
$250

$250
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$500
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$500
Unlimited
Unlimited
$4,000
Unlimited
$2,000
$1,000
$500
$500

$10,000
$30,000
$15,000
$30,000
$10,000
$30,000
$15,000
$20,000
$15,000
$10,000
$6,000

$500
$1,000
$250
$500
$0
$200
$500
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000

1Cover Direct
AIG
Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Big Sky
Budget Direct
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 107

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
Unlimited $16,000
Unlimited
$2,000 $24,000
Unlimited
$500
$7,500
$20,000,000 20,000,00 $6,000
Unlimited
$4,000 $30,000
Unlimited
$1,000 $10,000

N/A
N/A
N/A
$400
$2,000
$1,000
$200
$250
$500
$500
N/A
N/A
$500
$500
$500
N/A
$500
$750
$500
$800
$250
N/A
$200
$500

$4,000
$3,000
$4,000
$3,500
$3,000
$3,000
$2,500
$3,000
$3,000
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
N/A
$200
$6,000
$3,000

BUPA
CGU
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Fastcover
Fastcover
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Medibank
multitrip.com.au
National Seniors
NRMA
Onepath
Online Travel Insurance

International - Super
Super
Super Plus
International - Elite
Premier
Standard
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
International - Premier Plus
International Premium
International Essentials
International Travel
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$20,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$12,500
$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$50,000

$50,000
$50,000
$50,000
$200,000
$150,000
$100,000
$40,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 108

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
N/A
N/A
N/A
$400
$200
$500
$250
$500
N/A
N/A
$400
$200
$500
$1,200
$200
$500
N/A
$250
$500
$250
N/A
$250

$6,000
$3,000
$4,000
$1,000
$3,500
$6,000
$2,500
$3,000
$3,000
$3,000
$4,000
$3,500
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500
$3,000

OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads
Zuji

Premier Plus Extras

Super
Super Plus
International - Essential
International - Premium
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Super
Super Plus
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard
Comprehensive

Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$60,000 $40,000,000
$25,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000
Unlimited

Unlimited
$2,000
$2,000
Unlimited
Unlimited
Unlimited
$1,000
$500
$1,000
$2,000
$2,000
Unlimited
Unlimited
$2,000
$2,000
Unlimited
$4,000
$4,000
$2,000
$2,000
$1,000
$1,000
$500

$30,000
$20,000
$24,000
$3,000
$10,000
$30,000
$15,000
$15,000
$10,000
$20,000
$24,000
$24,000
$12,000
$12,000
$15,000
$12,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000
$5,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 109

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Australian Unity
BUPA
CHI Travel Insurance
Covermore
HCF Insurance
HSBC
multitrip.com.au
nab
National Seniors
RAC
RACQ
RACV
STA Travel
Suresave
Suresave

Plan A - Super Plus

Super Plus
International - Super Plus
Plan A - Comprehensive
Essentials - International
Elements Plan
Plan A - Comprehensive
International - Premier
Plan A - International
International Basic
Essentials
Premium
Premium
Basic - International
Budget
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
$30,000
Unlimited
$10,000
$2,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
N/A
$20,000,000
$25,000
Unlimited
$40,000
Unlimited
$25,000
Unlimited
N/A
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
N/A
Unlimited
$50,000
Unlimited

Unlimited
$1,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$500
$16,000
$20,000,000 20,000,00 $6,000
$20,000,000 20,000,00 $6,000
Unlimited
$500
$7,500
Unlimited
$2,000 $15,000
Unlimited
$500
$7,500
Unlimited
$1,000 $10,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $24,000

$250
N/A
N/A
$500
N/A
N/A
$250
$400
$250
$250
N/A
$500
$500
N/A
$250
$500

$4,000
$4,000
$3,000
$3,000
$200
$300
$3,000
N/A
$3,000
$4,000
$200
$2,500
$2,500
$1,000
$4,000
$4,000

Basic - Super Plus

Basic - International
International - Essentials
Essentials
Essentials
Basic - International

$6,000
$6,000
$6,000
$2,000
$2,000
Unlimited

$20,000
Unlimited
$20,000
Unlimited
$20,000 $20,000,000
$20,000
Unlimited
$20,000
Unlimited
$20,000 $20,000,000

Unlimited
$1,000
Unlimited
$1,000
$20,000,000
$2,000
Unlimited
$1,000
Unlimited
$1,000
$20,000,000 20,000,00

$250
$500
N/A
N/A
N/A
N/A

$1,500
$3,000
N/A
$200
$200
$3,000

Aussie Travel Cover

CHI Travel Insurance
multitrip.com.au
RACQ
RACV
Travellers Choice

$6,000
$6,000
$4,000
$5,000
$5,000
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 110

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Budget Direct
Citibank
Good2Go
Insure and Go
Insure and Go
MyCover
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Woolworths
Worldcare

International Travel
Plan A - Platinum
International - Essential
Essentials Travel Insurance
Gold
Silver
Plan A - Comprehensive
B Travel Plan
Comprehensive - International
World
International
Comprehensive
Comprehensive

Unlimited
Unlimited
$50,000
$20,000
Unlimited
$30,000
Unlimited
Unlimited
$24,000
$100,000
Unlimited
$24,000
Unlimited

$20,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Plan A Comprehensive
Comprehensive - Single Trip Internatio
International Comprehensive
Plan B - Silver
International - Premium
Plan A - Comprehensive
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance

Unlimited
Unlimited
Unlimited
$10,000
$100,000
$20,000
$5,000
Unlimited
Unlimited

$50,000
$50,000
$50,000
N/A
$50,000
$60,000
$30,000
$30,000
$50,000

Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$500
Unlimited
$1,000
$1,000
$1,000
$500
Unlimited
Unlimited
$1,500
$500
Unlimited
$500

$12,000
$10,000
$10,000
$6,000
$16,000
$12,000
$15,000
$30,000
$20,000
$50,000
$24,000
$20,000
$24,000

N/A
$250
N/A
N/A
$1,000
$500
$250
N/A
$500
$500
$250
$500
$250

$3,000
$3,000
$3,500
$250
$3,000
$2,000
$3,000
$2,000
$3,000
$3,000
$4,000
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
Unlimited
$500
Unlimited
$1,500
$1,500
$500
$2,000

$15,000
$30,000
$15,000
$6,000
$20,000
$10,000
$4,000
$10,000
$12,000

$250
$500
$500
N/A
$400
$1,000
$500
N/A
$500

$3,000
$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000

1300 Insurance
American Express
Australia Post
Budget Direct
Citibank
Downunder Insurance
Downunder Insurance
Fastcover
GIO

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 111

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Medibank
NRMA
Online Travel Insurance
OUCH
Priceline Protects
Priceline Protects
QBE
Real Insurance
Travel Insuranz
Virgin Money
Virgin Money
Webjet
Webjet
Woolworths

International Comprehensive
International Comprehensive
Plan A - Comprehensive
A Travel Plan
International - Essential
International - Premium
B Travel
Basics - International
Classic
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic

Unlimited
Unlimited
$50,000
Unlimited
$10,000
$20,000
Unlimited
$10,000
$5,000
Unlimited
Unlimited
Unlimited
$10,000
$10,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
N/A
$40,000,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
N/A
Unlimited

Plan A - Comprehensive
Plan A - Comprehensive
Essentials -Single Trip International
International
Super
Plan A - Comprehensive
International - Super
Super

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited

Unlimited
Unlimited
$1,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$1,000
$2,000
$2,000
Unlimited

$16,000
$24,000
$10,000
$30,000
$3,000
$10,000
$30,000
$10,000
$5,000
$15,000
$6,000
$10,000
$3,000
$10,000

$500
$400
$500
N/A
N/A
$400
N/A
N/A
$250
$400
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$3,000
$1,000
$3,500
$2,000
$3,000
$500
$3,000
$3,000
$500
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
$4,000
$2,000
$1,000
$2,000
$2,000

$10,000
$15,000
$10,000
$30,000
$20,000
$15,000
$24,000
$20,000

$500
$250
$0
$200
N/A
$500
N/A
N/A

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$4,000
$3,000

1Cover Direct
Allianz
American Express
ANZ
Australian Unity
Big Sky
BUPA
CGU

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 112

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$500
$16,000
Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000

$500
$400
$2,000
$1,000
N/A
$200
$250
$500
$500
$1,000
$1,000
$500
N/A
N/A
N/A
$500
$250
$500
$500
N/A
$500
N/A
$250
$500

$3,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$2,000
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000

CHI Travel Insurance

Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover
Kango Cover

Plan A - Comprehensive
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Standard
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover

Unlimited
Unlimited
$30,000
$20,000
$10,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
Unlimited
$10,000
$12,500
$12,500

$50,000
$200,000
$150,000
$100,000
$20,000
$40,000
$50,000
$50,000
$40,000
$50,000
$50,000
$50,000
$30,000
$50,000
N/A
$50,000
$25,000
$30,000
$30,000
$30,000
$30,000
N/A
N/A
N/A

Unlimited
Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$600,000
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$25,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 113

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000
$7,500
Unlimited
$2,000 $24,000
Unlimited
$500
$7,500
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $30,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$2,000 $12,000
$20,000,000
$2,000 $15,000
$20,000,000
$1,000
$7,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000
Unlimited
$4,000 $10,000

$750
$800
$250
N/A
$200
N/A
N/A
N/A
$200
$500
$500
$500
$250
$500
N/A
N/A
$400
$200
$500
$1,200
$300
$200
$500
N/A

$3,000
N/A
$3,000
$200
$6,000
$2,000
$3,000
$3,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000

Kango Cover
multitrip.com.au
nab
NRMA
OUCH
People's Choice Credit Union
People's Choice Credit Union
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia

L5 - Big Red Cover

International - Premier Plus
Plan A - International
International Essentials
Premier Plus Extras
Standard
Super
A Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials

$15,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited

$50,000
$50,000
$25,000
$20,000
$50,000
$30,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$60,000
$20,000
$25,000
$50,000
N/A

Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 114

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Westpac
World Nomads
World Nomads
Zuji

Holiday Travel Insurance

Explorer
Standard
Comprehensive

Unlimited
Unlimited
$7,000
Unlimited

$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000
$25,000
Unlimited

Silver (D12)
Basic - Standard
Plan A - Standard
Standard
Super Plus
International - Standard
Standard
Super Plus
Basic - International
Super Plus
International - Premier
International Basic
International Premium
International Travel
Super Plus
Essentials
Standard
Super Plus

Unlimited
$6,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$30,000
$10,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
Unlimited

$50,000
$20,000
$30,000
$30,000
$50,000
$30,000
$30,000
$50,000
$20,000
$50,000
$40,000
N/A
$50,000
$50,000
$50,000
$20,000
$30,000
$50,000

Unlimited
Unlimited
$1,000,000
Unlimited

$2,000
$1,000
$1,000
$500

$12,000
$20,000
$4,000
$5,000

$500
$250
N/A
$250

$3,000
$2,000
$500
$3,000

Unlimited
Unlimited
Unlimited
$600,000
Unlimited
$600,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited

$2,000
$1,000
$1,000
$2,000
$2,000
$2,000
$2,000
$2,000
$1,000
$2,000
$2,000
$1,000
$500
$4,000
$2,000
$1,000
$2,000
$2,000

$30,000
$6,000
$10,000
$10,000
$24,000
$10,000
$10,000
$24,000
$6,000
$24,000
$15,000
$10,000
$7,500
$30,000
$24,000
$5,000
$10,000
$24,000

$1,000
$250
$250
N/A
N/A
N/A
N/A
N/A
$500
N/A
$400
$250
$250
$200
N/A
N/A
N/A
N/A

$3,000
$1,500
$4,000
$2,000
$4,000
$2,000
$2,000
$4,000
$3,000
$4,000
N/A
$4,000
N/A
$6,000
$4,000
$200
$2,000
$4,000

AIG
Aussie Travel Cover
Aussie Travel Cover
Australian Unity
Australian Unity
BUPA
CGU
CGU
CHI Travel Insurance
HBF Insurance
multitrip.com.au
National Seniors
National Seniors
Onepath
People's Choice Credit Union
RAC
St.George Bank
St.George Bank

Unlimited
Unlimited
Unlimited
$600,000
Unlimited
$600,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 115

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited

Unlimited

$24,000

$500

$4,000

Unlimited
$2,000 $20,000
$20,000,000
$2,000
$4,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

N/A
N/A
N/A
N/A
$250
N/A

$3,000
N/A
$200
$200
$4,000
$3,000

Suresave

Comprehensive

Unlimited

$50,000

International - Super Plus

International - Essentials
Essentials
Essentials
Budget
Basic - International

Unlimited
$6,000
$2,000
$2,000
$10,000
Unlimited

$50,000
Unlimited
$20,000 $20,000,000
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$20,000 $20,000,000

$1,000

BUPA
multitrip.com.au
RACQ
RACV
Suresave
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 116

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Downunder Insurance
Good2Go
NRMA
Online Travel Insurance
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Woolworths
Worldcare

International Travel
Plan C - Backpackers
Essentials Travel Insurance
International Comprehensive
Plan A - Comprehensive
B Travel Plan
Comprehensive - International
World
International
Comprehensive
Comprehensive

Unlimited
$5,000
$20,000
Unlimited
$50,000
Unlimited
$24,000
$100,000
Unlimited
$24,000
Unlimited

$20,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Comprehensive
Plan A - Platinum
International - Essential
Plan A - Comprehensive
Holiday Travel Insurance
Plan A - Comprehensive
Gold
Silver

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$50,000
$20,000
Unlimited
Unlimited
Unlimited
$30,000

$50,000
$50,000
$50,000
$50,000
$40,000
$40,000
$60,000
$50,000
$50,000
$100,000
$75,000

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$1,500
$1,000
Unlimited
$1,000
Unlimited
Unlimited
$1,500
$500
Unlimited
$500

$12,000
$4,000
$6,000
$24,000
$10,000
$30,000
$20,000
$50,000
$24,000
$20,000
$24,000

N/A
$500
N/A
$400
$500
N/A
$500
$500
$250
$500
$250

$3,000
$3,000
$250
$3,000
$3,000
$2,000
$3,000
$3,000
$4,000
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
$1,000
$500
Unlimited
$1,500
$2,000
$1,000
$1,000
$1,000

$15,000
$15,000
$15,000
$15,000
$10,000
$10,000
$10,000
$12,000
$15,000
$16,000
$12,000

$250
$250
$500
$500
$250
N/A
$1,000
$500
$500
$1,000
$500

$3,000
$3,000
$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$2,000

1300 Insurance
Allianz
Australia Post
Big Sky
Budget Direct
Citibank
Downunder Insurance
GIO
Greater Building Society
Insure and Go
Insure and Go

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 117

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

itrek
Medibank
MyCover
OUCH
QBE
Real Insurance
Simply Travel Insurance
Travel Insuranz
Virgin Money
Virgin Money
Webjet
Woolworths

Platinum
International Comprehensive
Plan A - Comprehensive
A Travel Plan
B Travel
Basics - International
Plan A - Comprehensive
Classic
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Basic

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$5,000
Unlimited
Unlimited
Unlimited
$10,000

$30,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Super
Plan B - Silver
International - Super
Super
Plan A - Comprehensive
International - Elite

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$50,000
N/A
$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$200,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

$1,000
Unlimited
$500
Unlimited
Unlimited
Unlimited
$500
$1,000
$1,000
$1,000
$2,000
Unlimited

$10,000
$16,000
$15,000
$30,000
$30,000
$10,000
$15,000
$5,000
$15,000
$6,000
$10,000
$10,000

$500
$500
$250
N/A
N/A
N/A
$250
$250
$400
N/A
$500
N/A

$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$500
$3,000
$3,000
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
Unlimited
$4,000
$2,000
$500
$2,000
$2,000
$500
Unlimited

$10,000
$30,000
$10,000
$30,000
$20,000
$6,000
$24,000
$20,000
$16,000
$60,000

$500
$500
$0
$200
N/A
N/A
N/A
N/A
$500
$400

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,500

1Cover Direct
American Express
American Express
ANZ
Australian Unity
Budget Direct
BUPA
CGU
CHI Travel Insurance
Citibank

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 118

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $20,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
$1,000
$7,500
Unlimited
$500
$7,500
$20,000,000 20,000,00 $6,000

$400
$2,000
$1,000
N/A
$200
$250
$500
N/A
$500
$1,000
$1,000
N/A
N/A
$500
$250
$500
$500
N/A
N/A
$250
$500
$750
$250
N/A

$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$300
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
$3,000
$200

Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Fastcover
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
HBF Insurance
HCF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
nab
NRMA

International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Super
Elements Plan
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
Plan A - International
International Essentials

$100,000
$30,000
$20,000
$10,000
$10,000
Unlimited
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$10,000
$12,500
$12,500
$15,000
Unlimited
Unlimited

$50,000
$150,000
$100,000
$20,000
$40,000
$50,000
$50,000
$30,000
$40,000
$50,000
$50,000
$50,000
N/A
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
N/A
N/A
$50,000
$25,000
$20,000

Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$25,000,000
Unlimited
Unlimited
$20,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 119

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited $30,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $3,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $24,000
Unlimited
Unlimited $12,000
Unlimited
$2,000 $12,000
$20,000,000
$2,000 $15,000
$20,000,000
$1,000
$7,000
Unlimited
Unlimited $12,000
Unlimited
$4,000 $10,000
Unlimited
$4,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
$2,000 $12,000
Unlimited
$1,000 $20,000
$1,000,000
$1,000
$4,000
Unlimited
$500
$5,000

$200
N/A
N/A
N/A
$400
N/A
$200
$500
$500
N/A
N/A
$400
$200
$500
$1,200
$300
$200
$500
N/A
$250
$500
$250
N/A
$250

$6,000
$3,000
$4,000
$1,000
$3,500
$3,000
$6,000
$2,500
$3,000
$3,000
$1,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500
$3,000

OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
RAC
Ski Insurance
St.George Bank
STA Travel
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads
Zuji

Premier Plus Extras

Super
Super Plus
International - Essential
International - Premium
A Travel
Premier Plus Extras
Premium
Plan A - International
Super
Basic - International
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard
Comprehensive

Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000
Unlimited

$50,000
$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$60,000
$20,000
$25,000
$50,000
N/A
$30,000
$50,000
$25,000
N/A
$25,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 120

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$2,000
$2,000
$2,000
$1,000
$2,000
$2,000
$1,000
$500
$4,000
$1,000
$1,000
$1,000
$2,000
$1,000

$30,000
$6,000
$10,000
$24,000
$20,000
$24,000
$6,000
$24,000
$24,000
$10,000
$7,500
$30,000
$5,000
$15,000
$15,000
$24,000
$24,000

$1,000
$250
$250
N/A
N/A
N/A
$500
N/A
$800
$250
$250
$200
N/A
$500
$500
N/A
$500

$3,000
$1,500
$4,000
$4,000
$3,000
$4,000
$3,000
$4,000
N/A
$4,000
N/A
$6,000
$200
$2,500
$2,500
$4,000
$4,000

$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$2,000
$1,000
$1,000
$1,000

$4,000
$15,000
$5,000
$5,000
$10,000

N/A
$400
N/A
N/A
$250

N/A
N/A
$200
$200
$4,000

AIG
Aussie Travel Cover
Aussie Travel Cover
Australian Unity
BUPA
CGU
CHI Travel Insurance
HBF Insurance
multitrip.com.au
National Seniors
National Seniors
Onepath
RAC
RACQ
RACV
St.George Bank
Suresave

Silver (D12)
Basic - Standard
Plan A - Standard
Super Plus
International - Super Plus
Super Plus
Basic - International
Super Plus
International - Premier Plus
International Basic
International Premium
International Travel
Essentials
Premium
Premium
Super Plus
Comprehensive

Unlimited
$6,000
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$20,000
$30,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000
N/A
$50,000
$50,000
$20,000
$50,000
$50,000
$50,000
$50,000

International - Essentials
International - Premier
Essentials
Essentials
Budget

$6,000
$30,000
$2,000
$2,000
$10,000

$20,000 $20,000,000
$40,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited

multitrip.com.au
multitrip.com.au
RACQ
RACV
Suresave

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 121

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A

$3,000

Travellers Choice

Basic - International

Unlimited

$20,000 $20,000,000

$20,000,000 20,000,00

$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 122

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Travel Insurance Direct
Travel Insuranz
Virgin Money
Worldcare

International Travel
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
International
Classic
Comprehensive - Plan A
Comprehensive

Unlimited
$50,000
$5,000
$20,000
Unlimited
$30,000
Unlimited
$5,000
Unlimited
Unlimited

$20,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$100,000 Unlimited
$75,000
Unlimited
$50,000
Unlimited
N/A
$40,000,000
$50,000
Unlimited
$50,000
Unlimited

Plan A Comprehensive
Plan A - Comprehensive
Plan A - Platinum
International - Premium
Plan A - Comprehensive
Plan E - Standard
Holiday Travel Insurance
Platinum
Plan A - Comprehensive
International Comprehensive
International - Essential
International - Premium

Unlimited
Unlimited
Unlimited
$100,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000

$50,000
$50,000
$40,000
$50,000
$60,000
$30,000
$50,000
$30,000
$50,000
$50,000
N/A
$50,000

Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited

Unlimited
Unlimited
$1,500
$1,000
$1,000
$1,000
$500
$1,000
$1,000
$500

$12,000
$10,000
$4,000
$6,000
$16,000
$12,000
$24,000
$5,000
$15,000
$24,000

N/A
N/A
$500
N/A
$1,000
$500
$250
$250
$400
$250

$3,000
$3,500
$3,000
$250
$3,000
$2,000
$4,000
$500
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
$500
Unlimited
$1,500
$500
$2,000
$1,000
$500
Unlimited
Unlimited
Unlimited

$15,000
$10,000
$10,000
$20,000
$10,000
$10,000
$12,000
$10,000
$15,000
$24,000
$3,000
$10,000

$250
$500
$250
$400
$1,000
N/A
$500
$500
$250
$400
N/A
$400

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$1,000
$3,500

1300 Insurance
1Cover Direct
Budget Direct
Citibank
Downunder Insurance
Fastcover
GIO
itrek
MyCover
NRMA
Priceline Protects
Priceline Protects

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 123

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
$1,500
$1,000
$2,000
Unlimited
Unlimited
$500

$30,000
$10,000
$20,000
$50,000
$6,000
$10,000
$10,000
$20,000
$5,000

$200
N/A
$500
$500
N/A
$500
N/A
$500
$250

$6,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000

$500
Unlimited
Unlimited
$4,000
Unlimited
$2,000
$1,000
$500
$2,000
$2,000
Unlimited
$4,000
$2,000

$15,000
$30,000
$10,000
$30,000
$15,000
$24,000
$15,000
$6,000
$20,000
$24,000
$60,000
$15,000
$12,000

$250
$500
$0
$200
$500
N/A
$500
N/A
N/A
N/A
$400
$2,000
$1,000

$3,000
$3,000
$1,500
$6,000
$3,000
$4,000
$3,000
$3,000
$3,000
$4,000
$3,500
$3,000
$3,000

QBE
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Virgin Money
Webjet
Woolworths
Woolworths
Zuji

Premier Plus Extras

Basics - International
Comprehensive - International
Superworld
Essentials - Plan E
Comprehensive - Plan A
Basic
Comprehensive
Comprehensive

Unlimited
$10,000
$24,000
$100,000
Unlimited
Unlimited
$10,000
$24,000
Unlimited

$50,000
N/A
$24,000
$200,000
N/A
$50,000
N/A
$24,000
$25,000

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super Plus
Plan A - Comprehensive
Plan B - Silver
International - Super Plus
Super Plus
International - Elite
Premier
Standard

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$30,000
$20,000

$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$150,000 $40,000,000
$100,000 $25,000,000

Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Big Sky
Budget Direct
BUPA
CGU
Citibank
Columbus Direct
Columbus Direct

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 124

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$20,000,000 20,000,00 $6,000

Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$20,000,000
$1,500 $15,000
$20,000,000
$3,000 $20,000
Unlimited
$4,000
$3,000
Unlimited
$1,000 $15,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$7,500
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$5,000,000
$500
$3,000
$5,000,000
$500
$5,000
$12,500,000
$1,000
$6,000
Unlimited
Unlimited $16,000
Unlimited
$500
$7,500
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $10,000
Unlimited
Unlimited $30,000
Unlimited
$2,000 $24,000
Unlimited
$1,000 $15,000

N/A
$200
$250
$500
$500
$1,000
$1,000
$500
N/A
$500
$250
$500
$500
N/A
N/A
$250
$500
$500
$250
N/A
$500
$200
N/A
$500

$200
$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
$3,000
$200
$3,000
$6,000
$4,000
$2,500

Covermore
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Medibank
nab
NRMA
Online Travel Insurance
OUCH
People's Choice Credit Union
RAC

Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
International Comprehensive
Plan A - International
International Essentials
Plan A - Comprehensive
Premier Plus Extras
Super Plus
Premium

$10,000
$10,000
Unlimited
Unlimited
$30,000
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$10,000
$12,500
$12,500
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
Unlimited

$20,000
$40,000
$50,000
$50,000
$40,000
$50,000
$50,000
$50,000
$50,000
$50,000
$25,000
$30,000
$30,000
$30,000
N/A
N/A
N/A
$50,000
$25,000
$20,000
$50,000
$50,000
$50,000
$50,000

$20,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$25,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 125

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$15,000
$15,000
$10,000
$24,000
$24,000
$12,000
$12,000
$15,000
$7,000
$12,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000

$500
$250
$500
N/A
$400
$200
$500
$1,200
$300
$200
$500
N/A
$250
$500
$250
N/A

$2,500
$3,000
$3,000
$4,000
$3,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500

Unlimited
$2,000 $30,000
Unlimited
$1,000
$6,000
Unlimited
$1,000 $20,000
Unlimited
$1,000
$6,000
Unlimited
$500
$16,000
$20,000,000 20,000,00 $6,000

$1,000
$250
$250
$500
$500
N/A

$3,000
$1,500
$4,000
$3,000
$3,000
$300

RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
STA Travel
STA Travel
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads

Premium
Plan A - Comprehensive
Plan A - International
Super Plus
Comprehensive - International
Essentials - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000

$50,000
$50,000
$50,000
$50,000
$50,000
$40,000
$50,000
$60,000
$20,000
$25,000
$50,000
N/A
$30,000
$50,000
$25,000
N/A

Platinum (F12)
Basic - Super Plus
Plan A - Super Plus
Basic - International
Plan A - Comprehensive
Elements Plan

Unlimited
$6,000
Unlimited
$6,000
Unlimited
$20,000

$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000

$1,000
$500
$1,000
$2,000
Unlimited
Unlimited
$2,000
$2,000
$1,000
Unlimited
$4,000
$4,000
$2,000
$2,000
$1,000
$1,000

AIG
Aussie Travel Cover
Aussie Travel Cover
CHI Travel Insurance
CHI Travel Insurance
HCF Insurance

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 126

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Couple - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Kango Cover
multitrip.com.au
National Seniors
National Seniors
Onepath
RAC
RACQ
STA Travel
Suresave

L5 - Big Red Cover

International - Premier Plus
International Basic
International Premium
International Travel
Essentials
Premium
Basic - International
Comprehensive

$15,000
Unlimited
$10,000
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited

Unlimited
$1,000
$7,500
Unlimited
$2,000 $24,000
Unlimited
$1,000 $10,000
Unlimited
$500
$7,500
Unlimited
$4,000 $30,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $15,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000 $24,000

$750
$800
$250
$250
$200
N/A
$500
N/A
$500

$3,000
N/A
$4,000
N/A
$6,000
$200
$2,500
$1,000
$4,000

International - Essentials
International - Premier
Essentials
Essentials
Budget
Basic - International

$6,000
$30,000
$2,000
$2,000
$10,000
Unlimited

$20,000 $20,000,000
$40,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$20,000 $20,000,000

$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

N/A
$400
N/A
N/A
$250
N/A

N/A
N/A
$200
$200
$4,000
$3,000

multitrip.com.au
multitrip.com.au
RACQ
RACV
Suresave
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 127

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Citibank
Downunder Insurance
Insure and Go
Insure and Go
Kango Cover
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare

International - Essential
Plan C - Backpackers
Gold
Silver
L2 - Rock Wallaby Cover
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive

$50,000
$5,000
Unlimited
$60,000
$20,000
$24,000
Unlimited
$10,000
$10,000
$24,000
Unlimited

$40,000
Unlimited
$30,000
Unlimited
$130,000 Unlimited
$100,000 Unlimited
N/A
$5,000,000
$24,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited

Unlimited
$1,500
$2,000
$2,000
$1,000
Unlimited
$500
$2,000
Unlimited
Unlimited
$500

$10,000
$4,000
$32,000
$24,000
$6,000
$20,000
$24,000
$10,000
$10,000
$20,000
$24,000

N/A
$500
$2,000
$1,000
N/A
$500
$250
$500
N/A
$500
$250

$3,500
$3,000
$3,000
$2,000
$250
$3,000
$4,000
$500
$3,000
$3,000
$3,000

Plan A - Comprehensive
International Travel
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
Plan A - Platinum
Premier
Standard
Plan A - Comprehensive
Go Basic - International
Go Plus - International
Essentials Travel Insurance

Unlimited
Unlimited
Unlimited
$20,000
Unlimited
$30,000
$20,000
$20,000
$60,000
$100,000
$20,000

$50,000
$25,000
$60,000
N/A
$40,000
$150,000
$100,000
$60,000
$80,000
$100,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
$40,000,000
$40,000,000
$10,000,000

$500
Unlimited
Unlimited
Unlimited
$500
$4,000
$2,000
$750
$3,000
$6,000
$1,000

$10,000
$12,000
$30,000
$10,000
$10,000
$15,000
$12,000
$10,000
$30,000
$40,000
$6,000

$250
N/A
$500
$0
$250
$2,000
$1,000
$500
$1,000
$2,000
N/A

$3,000
$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$250

1Cover Direct
AAMI
American Express
American Express
Budget Direct
Columbus Direct
Columbus Direct
Downunder Insurance
Go Insurance
Go Insurance
Good2Go

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
$20,000,000
$20,000,000
$10,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 128

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

itrek
itrek
Kango Cover
MyCover
NRMA
OUCH
Priceline Protects
Priceline Protects
Real Insurance
Southern Cross Travel Insuranc
Travel Insuranz
Webjet
Webjet

Gold
Platinum
L3 - Wallaby Cover
Plan A - Comprehensive
International Comprehensive
C Travel Plan
International - Essential
International - Premium
Basics - International
World
Premier
Comprehensive - Plan A
Essentials - Plan B

$30,000
Unlimited
$25,000
Unlimited
Unlimited
Unlimited
$10,000
$20,000
$10,000
$100,000
$20,000
Unlimited
$10,000

$30,000
Unlimited
$30,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$200,000 Unlimited
$40,000 $20,000,000
$50,000
Unlimited
$30,000 $10,000,000

Plan A Comprehensive
Bronze (E12)
Plan A - Comprehensive
International
International Comprehensive
Plan A - Comprehensive
Plan B - Silver
Basic - International
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
$6,000
Unlimited

$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
N/A
$20,000
$50,000

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
$10,000,000

$1,000
$1,000
$1,000
$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$3,000
$2,000
$2,000
$2,000

$10,000
$10,000
$10,000
$15,000
$24,000
$30,000
$3,000
$10,000
$10,000
$50,000
$14,000
$10,000
$3,000

N/A
$500
$250
$250
$400
N/A
N/A
$400
N/A
$500
$600
$500
$250

$3,000
$3,000
$3,000
$3,000
$3,000
$1,000
$1,000
$3,500
$3,000
$3,000
$500
$500
$500

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$500
$4,000
Unlimited
$500
$500
$500
$500

$15,000
$30,000
$15,000
$30,000
$15,000
$15,000
$6,000
$6,000
$16,000

$250
$1,000
$250
$200
$500
$500
N/A
$500
$250

$3,000
$3,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
AIG
Allianz
ANZ
Australia Post
Big Sky
Budget Direct
CHI Travel Insurance
CHI Travel Insurance

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 129

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$400
$400
N/A
$200
$500
$500
N/A
$500
$12,000
$500
N/A
N/A
$500
$250
$500
$500
$500
$750
$500
$500
N/A
$200
$500
N/A

$3,500
$3,500
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$600
$3,000
$2,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$200
$6,000
$3,000
$3,000

Citibank
Citibank
Covermore
Covermore
Fastcover
Fastcover
Fastcover
GIO
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
Kango Cover
Kango Cover
Medibank
nab
NRMA
Onepath
Online Travel Insurance
OUCH

International - Elite
International - Premium
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Standard
Super
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
Plan A - International
International Essentials
International Travel
Plan A - Comprehensive
A Travel Plan

Unlimited
$100,000
$10,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
$50,000
Unlimited

$200,000 Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$40,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
N/A
$12,500,000
$100,000 Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited $60,000
Unlimited
Unlimited $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
Unlimited
$2,000 $12,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000
Unlimited
$500
$15,000
$20,000,000 20,000,00 $6,000
Unlimited
$4,000 $30,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 130

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$200
N/A
N/A
N/A
N/A
$200
$500
$500
$500
$250
$500
N/A
$500
$500
$500
$2,400
$200
$500
N/A
$400
N/A
$500
$250

$2,000
$6,000
$3,000
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$3,000
$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000

OUCH
OUCH
People's Choice Credit Union
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
Suncorp Bank
Suresave
Suresave
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Virgin Money
Virgin Money
Westpac
World Nomads

B Travel Plan
Premier Plus Extras
Super
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Super
Holiday Travel Insurance - Single Trip
Budget
Comprehensive
Deluxe
Comprehensive - International
Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan E
Holiday Travel Insurance
Explorer

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$40,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$36,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$120,000 $20,000,000
$25,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$1,000
$500
$500
$2,000
$2,000
$1,000
$1,000
$4,000
Unlimited
$0
$4,000
$1,000
$1,000
$2,000
$1,000

$30,000
$30,000
$20,000
$30,000
$30,000
$30,000
$30,000
$15,000
$15,000
$15,000
$15,000
$10,000
$20,000
$12,000
$10,000
$24,000
$30,000
$12,000
$10,000
$10,000
$15,000
$6,000
$12,000
$20,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 131

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$4,000
$10,000

N/A
$500

$500
$3,000

$6,000
$6,000
$10,000
$20,000
$24,000
$24,000
$10,000
$20,000
$24,000
$24,000
$24,000
$10,000
$24,000
$5,000
$5,000
$5,000
$10,000
$24,000
$3,000

$250
$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$800
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$1,500
$3,000
$2,000
$3,000
$4,000
$4,000
$2,000
$3,000
$4,000
$4,000
N/A
$2,000
$4,000
$200
$200
$200
$2,000
$4,000
$3,000

World Nomads
Zuji

Standard
Comprehensive

$7,000
Unlimited

N/A
$10,000,000
$25,000
Unlimited

$1,000,000
Unlimited

Basic - NZ/Indonesia/Fiji
Plan A - NZ/Indonesia/Fiji
Standard
Super
Super Plus
International - Super
Standard
Super
Super Plus
Super Plus
International - Premier Plus
Standard
Super Plus
Essentials
Essentials
Essentials
Standard
Super Plus
Basic - International

$6,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
$20,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$22,000 $20,000,000

Unlimited
$1,000
Unlimited
$1,000
$600,000
$2,000
Unlimited
$2,000
Unlimited
$2,000
Unlimited
$2,000
$600,000
$2,000
Unlimited
$2,000
Unlimited
$2,000
Unlimited
$2,000
Unlimited
$2,000
$600,000
$2,000
Unlimited
$2,000
Unlimited
$1,000
Unlimited
$1,000
Unlimited
$1,000
$600,000
$2,000
Unlimited
$2,000
$20,000,000 20,000,00

$1,000
$500

Aussie Travel Cover

Aussie Travel Cover
Australian Unity
Australian Unity
Australian Unity
BUPA
CGU
CGU
CGU
HBF Insurance
multitrip.com.au
People's Choice Credit Union
People's Choice Credit Union
RAC
RACQ
RACV
St.George Bank
St.George Bank
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 132

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Bali

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A
N/A
N/A
$400

$2,000
$3,000
$300
N/A
N/A

BUPA
BUPA
HCF Insurance
multitrip.com.au
multitrip.com.au

International - Standard
International - Super Plus
Elements Plan
International - Essentials
International - Premier

Unlimited
Unlimited
$20,000
$6,000
$30,000

$30,000
$600,000
$50,000
Unlimited
N/A
$20,000,000
$20,000 $10,000,000
$40,000
Unlimited

$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$20,000,000 20,000,00 $6,000
$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 133

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Go Insurance
Good2Go
Insure and Go
Insure and Go
OUCH
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money

International Travel
International - Essential
Go Plus - International
Essentials Travel Insurance
Gold
Silver
A Travel Plan
World
International
Classic
Comprehensive - Plan A

Unlimited
$50,000
$100,000
$20,000
Unlimited
$60,000
Unlimited
$100,000
Unlimited
$10,000
Unlimited

$25,000
Unlimited
$40,000
Unlimited
$100,000 $20,000,000
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited

Unlimited
Unlimited
$40,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited

Unlimited
Unlimited
$6,000
$1,000
$2,000
$2,000
Unlimited
$3,000
$500
$2,000
$1,000

$12,000
$10,000
$40,000
$6,000
$32,000
$24,000
$30,000
$50,000
$24,000
$10,000
$15,000

N/A
N/A
$2,000
N/A
$2,000
$1,000
N/A
$500
$250
$500
$400

$3,000
$3,500
$3,000
$250
$3,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International - Premium
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Super
Platinum
Plan A - Comprehensive
Super

Unlimited
Unlimited
$100,000
$5,000
Unlimited
Unlimited
$60,000
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$80,000 $20,000,000
$50,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
$1,500
$500
$2,000
$3,000
$2,000
$1,000
$500
$2,000

$15,000
$10,000
$20,000
$4,000
$10,000
$12,000
$30,000
$20,000
$10,000
$15,000
$20,000

$250
$250
$400
$500
N/A
$500
$1,000
N/A
$500
$250
N/A

$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$3,000

1300 Insurance
1Cover Direct
Citibank
Downunder Insurance
Fastcover
GIO
Go Insurance
HBF Insurance
itrek
MyCover
People's Choice Credit Union

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 134

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Priceline Protects
QBE
Real Insurance
Suncorp Bank
Travel Insuranz
Travel Insuranz
Virgin Money
Woolworths
Woolworths
Worldcare

International - Premium
A Travel
Comprehensive - International
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Essentials - Plan E
Basic
Comprehensive
Comprehensive

$20,000
Unlimited
$24,000
Unlimited
$40,000
$20,000
Unlimited
$10,000
$24,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited
$120,000 $20,000,000
$40,000 $20,000,000
N/A
Unlimited
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super
Super Plus
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver
International - Super
Super

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited

$50,000
$60,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$40,000
N/A
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
$2,000
$4,000
$2,000
$1,000
Unlimited
Unlimited
$500

$10,000
$30,000
$20,000
$12,000
$30,000
$14,000
$6,000
$10,000
$20,000
$24,000

$400
N/A
$500
$500
$2,400
$600
N/A
N/A
$500
$250

$3,500
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
Unlimited
Unlimited
$4,000
Unlimited
$2,000
$2,000
$500
$500
$500
$2,000
$2,000

$15,000
$30,000
$10,000
$30,000
$15,000
$20,000
$24,000
$15,000
$10,000
$6,000
$24,000
$20,000

$250
$500
$0
$200
$500
N/A
N/A
$500
$250
N/A
N/A
N/A

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$4,000
$3,000

Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Australian Unity
Big Sky
Budget Direct
Budget Direct
BUPA
CGU

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 135

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$400
$2,000
$1,000
N/A
$200
$500
$500
$500
$12,000
$500
N/A
$500
$500
N/A
N/A
$250
$500
$750
$500
$800
$500
$400
N/A

$4,000
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
$3,000
$200

CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Good2Go
Greater Building Society
HBF Insurance
HCF Insurance
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
Medibank
multitrip.com.au
nab
NRMA
NRMA

Super Plus
International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super Plus
International Travel Plan
Plan A - Comprehensive
Gold
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
International - Premier Plus
Plan A - International
International Comprehensive
International Essentials

Unlimited
Unlimited
$30,000
$20,000
$10,000
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$20,000
$25,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$200,000
$150,000
$100,000
$20,000
$40,000
$60,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
N/A
N/A
N/A
$100,000
$50,000
$50,000
$50,000
$50,000
$20,000

Unlimited
Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000

Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$750
$10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$10,000,000
$1,000
$6,000
$10,000,000
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000
Unlimited
$2,000 $24,000
Unlimited
$500
$15,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 136

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Onepath
Online Travel Insurance
OUCH
People's Choice Credit Union
Priceline Protects
QBE
Real Insurance
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
Virgin Australia
Virgin Australia
Webjet
Webjet
Westpac
World Nomads
World Nomads

International Travel
Plan A - Comprehensive
Premier Plus Extras
Super Plus
International - Essential
Premier Plus Extras
Basics - International
Plan A - Comprehensive
Plan A - International
Super
Super Plus
Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

Unlimited
$50,000
Unlimited
Unlimited
$10,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Platinum (F12)
Basic - Super Plus
Plan A - Super Plus
International - Super Plus

Unlimited
$6,000
Unlimited
Unlimited

$50,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000

$4,000
$1,000
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
$500
$500
$2,000
$2,000
$0
$4,000
$2,000
$2,000
$2,000
$1,000
$1,000

$30,000
$1,000
$30,000
$24,000
$3,000
$30,000
$10,000
$15,000
$10,000
$20,000
$24,000
$10,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000

$200
$500
$200
N/A
N/A
$200
N/A
$250
$500
N/A
N/A
$500
N/A
$500
$250
$500
$250
N/A

$6,000
$3,000
$6,000
$4,000
$1,000
$6,000
$3,000
$3,000
$3,000
$3,000
$4,000
$3,000
$3,000
$500
$500
$3,000
$2,000
$500

Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$2,000

$30,000
$6,000
$20,000
$20,000

$1,000
$250
$250
N/A

$3,000
$1,500
$4,000
$3,000

AIG
Aussie Travel Cover
Aussie Travel Cover
BUPA

Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 137

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Brazil

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$6,000
$16,000
$15,000
$15,000
$15,000
$5,000
$15,000
$15,000
$15,000
$24,000
$12,000
$10,000

$500
$250
$250
$500
$400
N/A
$500
$500
$500
$500
$200
$500

$3,000
$3,000
$3,000
$3,000
N/A
$200
$2,500
$2,500
$2,500
$4,000
$3,000
$3,000

$20,000,000 20,000,00 $6,000

$20,000,000
$2,000
$4,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

N/A
N/A
N/A
N/A
$500
N/A

$300
N/A
$200
$200
$4,000
$3,000

CHI Travel Insurance

CHI Travel Insurance
HSBC
Hume Building Society
multitrip.com.au
RAC
RAC
RACQ
RACV
Suresave
Travellers Choice
Zuji

Basic - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
International - Premier
Essentials
Premium
Premium
Premium
Comprehensive
Comprehensive - International
Comprehensive

$6,000
Unlimited
Unlimited
Unlimited
$30,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$20,000
$50,000
$50,000
$30,000
$40,000
$20,000
$50,000
$50,000
$50,000
$50,000
$25,000
$25,000

Elements Plan
International - Essentials
Essentials
Essentials
Budget
Basic - International

$20,000
$6,000
$2,000
$2,000
$10,000
Unlimited

N/A
$20,000,000
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$22,000 $20,000,000

$500
$500
$500
$500
$2,000
$1,000
$1,000
$1,000
$1,000
$1,000
Unlimited
$500

HCF Insurance
multitrip.com.au
RACQ
RACV
Suresave
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 138

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Good2Go
Insure and Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Woolworths
Worldcare

International Travel
Essentials Travel Insurance
Gold
Silver
B Travel Plan
Comprehensive - International
World
International
Classic
Comprehensive
Comprehensive

Unlimited
$20,000
Unlimited
$60,000
Unlimited
$24,000
$100,000
Unlimited
$10,000
$24,000
Unlimited

$25,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$24,000
Unlimited
$50,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited

Unlimited
$1,000
$2,000
$2,000
Unlimited
Unlimited
$3,000
$500
$2,000
Unlimited
$500

$12,000
$6,000
$32,000
$24,000
$30,000
$20,000
$50,000
$24,000
$10,000
$20,000
$24,000

N/A
N/A
$2,000
$1,000
N/A
$500
$500
$250
$500
$500
$250

$3,000
$250
$3,000
$2,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
International - Essential
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Go Plus - International
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover

Unlimited
Unlimited
Unlimited
$50,000
$5,000
Unlimited
Unlimited
$100,000
Unlimited
$20,000
$25,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$100,000 $20,000,000
$30,000
Unlimited
N/A
$5,000,000
N/A
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
$10,000,000
$10,000,000

$500
$500
Unlimited
Unlimited
$1,500
$500
$2,000
$6,000
$1,000
$1,000
$1,000

$15,000
$10,000
$15,000
$10,000
$4,000
$10,000
$12,000
$40,000
$10,000
$6,000
$10,000

$250
$250
$500
N/A
$500
N/A
$500
$2,000
$500
N/A
$250

$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000

1300 Insurance
1Cover Direct
Australia Post
Citibank
Downunder Insurance
Fastcover
GIO
Go Insurance
itrek
Kango Cover
Kango Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 139

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$400
N/A
N/A
N/A
N/A
$500
N/A
$400
N/A
$500
$250
N/A

$3,000
$200
$3,000
$2,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$500
$3,000

$1,000
$250
$500
$0
$200
$250
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$1,500
$6,000
$1,500
$3,000
$3,000
$3,000
$3,000

NRMA
NRMA
OUCH
QBE
Real Insurance
Virgin Australia
Virgin Australia
Virgin Money
Virgin Money
Webjet
Webjet
Woolworths

International Comprehensive
International Essentials
A Travel Plan
B Travel
Basics - International
Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic

Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$10,000

$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
N/A
Unlimited

Silver (D12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Basic - Standard
Super
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver

Unlimited
Unlimited
Unlimited
$20,000
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
$20,000

$50,000
$50,000
$60,000
N/A
$50,000
$20,000
$50,000
$50,000
$40,000
N/A

Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
Unlimited
$0
$10,000
Unlimited
$4,000 $10,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
Unlimited $10,000

AIG
Allianz
American Express
American Express
ANZ
Aussie Travel Cover
Australian Unity
Big Sky
Budget Direct
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$500
Unlimited
Unlimited
$4,000
$1,000
$2,000
$500
$500
$500

$30,000
$15,000
$30,000
$10,000
$30,000
$6,000
$20,000
$15,000
$10,000
$6,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 140

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A
N/A
$400
$400
N/A
$200
$500
$500
$500
$1,000
$12,000
$500
N/A
N/A
N/A
$500
$250
$500
$500
N/A
$500
$750
$500

$4,000
$2,000
$3,000
$3,500
$3,500
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$600
$3,000
$2,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

BUPA
CGU
CGU
Citibank
Citibank
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Medibank

International - Super
Standard
Super
International - Elite
International - Premium
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Standard
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$100,000
$10,000
$10,000
$20,000
Unlimited
Unlimited
$60,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$30,000
Unlimited

$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$40,000
Unlimited
$60,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$80,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
N/A
$12,500,000
$100,000 Unlimited
$50,000
Unlimited

Unlimited
$2,000 $24,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
Unlimited $60,000
Unlimited
Unlimited $20,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$750
$10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$40,000,000
$3,000 $30,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 141

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$800
$250
$500
$200
$500
$200
N/A
N/A
N/A
N/A
$400
N/A
$200
$500
$250
$500
N/A
N/A
$500
$2,400
$600
$500
$250
N/A

N/A
$3,000
$3,000
$6,000
$3,000
$6,000
$2,000
$3,000
$4,000
$1,000
$3,500
$3,000
$6,000
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500

multitrip.com.au
MyCover
nab
Onepath
Online Travel Insurance
OUCH
People's Choice Credit Union
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
Suncorp Bank
Travel Insuranz
Travel Insuranz
Westpac
World Nomads
World Nomads

International - Premier Plus

Plan A - Comprehensive
Plan A - International
International Travel
Plan A - Comprehensive
Premier Plus Extras
Standard
Super
Super Plus
International - Essential
International - Premium
A Travel
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Standard
Super
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
$20,000
Unlimited
Unlimited
$7,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$120,000 $20,000,000
$40,000 $20,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$1,000,000

$2,000
$500
$500
$4,000
$1,000
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$500
$500
$2,000
$2,000
$2,000
$4,000
$2,000
$2,000
$1,000
$1,000

$24,000
$15,000
$15,000
$30,000
$1,000
$30,000
$10,000
$20,000
$24,000
$3,000
$10,000
$30,000
$30,000
$15,000
$15,000
$10,000
$10,000
$20,000
$12,000
$30,000
$14,000
$12,000
$20,000
$4,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 142

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
Columbus Direct
Columbus Direct
multitrip.com.au
RAC
RACQ
RACV
St.George Bank
Suresave
Travellers Choice
Zuji

Plan A - Standard
Standard
Super Plus
International - Standard
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
Premier
Standard
International - Premier
Essentials
Premium
Premium
Super Plus
Comprehensive
Comprehensive - International
Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$30,000
$20,000
$30,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$30,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$150,000 $40,000,000
$100,000 $25,000,000
$40,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$600,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$1,000
$2,000
$2,000
$2,000
$2,000
$2,000
$500
$500
$4,000
$2,000
$2,000
$1,000
$1,000
$1,000
$2,000
$1,000
Unlimited
$500

$10,000
$10,000
$24,000
$10,000
$20,000
$24,000
$6,000
$16,000
$15,000
$12,000
$15,000
$5,000
$15,000
$15,000
$24,000
$24,000
$12,000
$10,000

$250
N/A
N/A
N/A
N/A
N/A
$500
$250
$2,000
$1,000
$400
N/A
$500
$500
N/A
$500
$200
$500

$4,000
$2,000
$4,000
$2,000
$3,000
$4,000
$3,000
$3,000
$3,000
$3,000
N/A
$200
$2,500
$2,500
$4,000
$4,000
$3,000
$3,000

Elements Plan
International - Essentials
Essentials
Essentials

$20,000
$6,000
$2,000
$2,000

N/A
$20,000,000
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited

$20,000,000 20,000,00
$20,000,000
$2,000
Unlimited
$1,000
Unlimited
$1,000

$6,000
$4,000
$5,000
$5,000

N/A
N/A
N/A
N/A

$300
N/A
$200
$200

HCF Insurance
multitrip.com.au
RACQ
RACV

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 143

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - China

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
N/A

$4,000
$3,000

Suresave
Travellers Choice

Budget
Basic - International

$10,000
Unlimited

N/A
Unlimited
$22,000 $20,000,000

Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 144

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

International Travel
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
Basics - International
Comprehensive - International
New Zealand / South Pacific
International
Classic
Comprehensive

Unlimited
$5,000
$20,000
Unlimited
$60,000
$20,000
$10,000
$24,000
$100,000
Unlimited
$10,000
Unlimited

$25,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
N/A
$5,000,000
N/A
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited

Plan A Comprehensive
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International Comprehensive
Plan A - Platinum
Plan A - Comprehensive
Plan E - Standard
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12

Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited

$50,000
$50,000
$60,000
N/A
$50,000
$40,000
$60,000
$30,000
$50,000
$50,000

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited

Unlimited
$1,500
$1,000
$2,000
$2,000
$1,000
Unlimited
Unlimited
$3,000
$500
$2,000
$500

$12,000
$4,000
$6,000
$32,000
$24,000
$6,000
$10,000
$20,000
$50,000
$24,000
$10,000
$24,000

N/A
$500
N/A
$2,000
$1,000
N/A
N/A
$500
$500
$250
$500
$250

$3,000
$3,000
$250
$3,000
$2,000
$250
$3,000
$3,000
$3,000
$4,000
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
Unlimited
Unlimited
$500
$750
$500
$2,000
$2,000

$15,000
$10,000
$30,000
$10,000
$15,000
$10,000
$10,000
$10,000
$12,000
$3,000

$250
$250
$500
$0
$500
$250
$500
N/A
$500
$12,000

$3,000
$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$3,000
$600

1300 Insurance
1Cover Direct
American Express
American Express
Australia Post
Budget Direct
Downunder Insurance
Fastcover
GIO
Good2Go

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 145

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000 $10,000
$10,000,000
$1,000 $10,000
Unlimited
Unlimited $16,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
$40,000,000
$4,000 $30,000
$40,000,000
$2,000 $14,000
Unlimited
$0
$10,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
$10,000,000
$2,000
$3,000
Unlimited
Unlimited $20,000

$500
$250
$500
$400
N/A
$500
N/A
$2,400
$600
$500
$400
N/A
$500
$250
$500

$3,000
$3,000
$3,000
$3,000
$200
$3,000
$1,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$500
$3,000

$1,000
$250
$200
$250
N/A
N/A
$500

$3,000
$3,000
$6,000
$1,500
$500
$3,000
$3,000

itrek
Kango Cover
Medibank
NRMA
NRMA
Online Travel Insurance
OUCH
Travel Insuranz
Travel Insuranz
Virgin Australia
Virgin Money
Virgin Money
Webjet
Webjet
Woolworths

Platinum
L3 - Wallaby Cover
International Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
C Travel Plan
Deluxe
Premier
Comprehensive
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Comprehensive

Unlimited
$25,000
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
$40,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$24,000

$30,000
N/A
$50,000
$50,000
$20,000
$50,000
$20,000
$120,000
$40,000
$50,000
$50,000
N/A
$50,000
$30,000
$24,000

Unlimited
$5,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited

Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Economy
Super
Plan A - Comprehensive

Unlimited
Unlimited
Unlimited
$6,000
Unlimited
Unlimited
Unlimited

$50,000
$50,000
$50,000
$20,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited

AIG
Allianz
ANZ
Aussie Travel Cover
Australian Unity
Australian Unity
Big Sky

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited

$2,000
$500
$4,000
$1,000
$2,000
$2,000
$500

$30,000
$15,000
$30,000
$6,000
$7,000
$20,000
$15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 146

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A
N/A
N/A
$500
$250
N/A
$400
$2,000
$1,000
$200
$500
$500
$1,000
$2,000
$500
N/A
N/A
N/A
$500
$250
$500
$500
N/A

$3,000
$4,000
$500
$3,000
$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$500
$2,000
$3,000
$6,000
$3,000
$3,000
$3,000
$3,000

Budget Direct
BUPA
CGU
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek

Plan B - Silver
International - Super
Economy
Super
Basic - International
Plan A - Comprehensive
International - Essential
International - Premium
Premier
Standard
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Economy
Standard
Super
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold

$20,000
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$50,000
$100,000
$30,000
$20,000
$10,000
Unlimited
Unlimited
$60,000
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000

N/A
$50,000
$20,000
$50,000
$20,000
$50,000
$40,000
$50,000
$150,000
$100,000
$40,000
$50,000
$50,000
$80,000
$100,000
$50,000
$20,000
$30,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000

Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
$250,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
$250,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$2,000
$2,000
$500
$500
Unlimited
Unlimited
$4,000
$2,000
Unlimited
$500
$500
$3,000
$6,000
$500
$2,000
$2,000
$2,000
Unlimited
$500
$500
$500
$1,000

$6,000
$24,000
$7,000
$20,000
$6,000
$16,000
$10,000
$20,000
$15,000
$12,000
$12,000
$15,000
$15,000
$30,000
$40,000
$15,000
$7,000
$10,000
$20,000
$24,000
$15,000
$15,000
$15,000
$10,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 147

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
$750
$250
$500
$200
N/A
N/A
$200
N/A
N/A
N/A
N/A
$400
N/A
N/A
N/A
$200
$500
$500
$500
$250
$500
N/A
N/A

$3,000
$3,000
$3,000
$3,000
$6,000
$3,000
$2,000
$6,000
$500
$2,000
$3,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$500
$3,000

Kango Cover
Kango Cover
MyCover
nab
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank

L4 - Eastern Grey Cover

L5 - Big Red Cover
Plan A - Comprehensive
Plan A - International
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Standard
Super
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Economy
Super

$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

N/A
$12,500,000
$100,000 Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$30,000
$600,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
$20,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited

$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited

$2,000
$2,000
$500
$500
$4,000
Unlimited
Unlimited
Unlimited
$2,000
$2,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$1,000
$500
$500
$2,000
$2,000

$12,000
$15,000
$15,000
$15,000
$30,000
$30,000
$30,000
$30,000
$7,000
$10,000
$20,000
$3,000
$10,000
$30,000
$30,000
$30,000
$30,000
$15,000
$15,000
$15,000
$15,000
$10,000
$7,000
$20,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 148

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$12,000
$10,000
$24,000
$10,000
$12,000
$10,000
$10,000

$500
$500
$500
N/A
$500
N/A
$500

$3,000
$4,000
$4,000
$3,000
$3,000
$3,000
$3,000

Unlimited
$1,000
$6,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
$250,000
$2,000
$7,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$20,000,000 20,000,00 $6,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $24,000
Unlimited
$1,000
$5,000
$600,000
$2,000 $10,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$400
N/A
N/A
$800
N/A
N/A
N/A

$3,000
$2,000
$4,000
$500
$2,000
$3,000
$2,000
$4,000
$3,500
$200
$4,000
N/A
$4,000
$200
$2,000

Suncorp Bank
Suresave
Suresave
Virgin Australia
Westpac
Woolworths
Zuji

Holiday Travel Insurance - Single Trip

Budget
Comprehensive
Essentials
Holiday Travel Insurance
Basic
Comprehensive

Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited

$50,000
N/A
$50,000
N/A
$50,000
N/A
$25,000

Plan A - NZ/Indonesia/Fiji
Standard
Super Plus
International - Economy
International - Standard
International - Super Plus
Standard
Super Plus
International - Elite
Essentials - International
Super Plus
International - Premier Plus
Super Plus
Essentials
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited

$20,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$20,000
$250,000
$30,000
$600,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$200,000 Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$20,000
Unlimited
$30,000
$600,000

$2,000
$1,000
$1,000
$4,000
$2,000
Unlimited
$500

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
BUPA
BUPA
CGU
CGU
Citibank
Covermore
HBF Insurance
multitrip.com.au
People's Choice Credit Union
RAC
St.George Bank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 149

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Fiji

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited

$2,000 $24,000
Unlimited $12,000
$1,000 $20,000

N/A
$200
$250

$4,000
$3,000
$2,000

$20,000,000 20,000,00 $6,000

$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
$20,000,000 20,000,00 $3,000
$1,000,000
$1,000
$4,000

N/A
N/A
$400
N/A
N/A
N/A
N/A

$300
N/A
N/A
$200
$200
$3,000
$500

St.George Bank
Travellers Choice
World Nomads

Super Plus
Comprehensive - International
Explorer

Unlimited
Unlimited
Unlimited

$50,000
$25,000
$25,000

Unlimited
Unlimited
Unlimited

Elements Plan
International - Essentials
International - Premier
Essentials
Essentials
Basic - International
Standard

$20,000
$6,000
$30,000
$2,000
$2,000
Unlimited
$7,000

N/A
$20,000
$40,000
$20,000
$20,000
$22,000
N/A

$20,000,000
$10,000,000
Unlimited
Unlimited
Unlimited
$20,000,000
$10,000,000

HCF Insurance
multitrip.com.au
multitrip.com.au
RACQ
RACV
Travellers Choice
World Nomads

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 150

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Good2Go
Insure and Go
Insure and Go
NRMA
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

International Travel
International - Essential
Essentials Travel Insurance
Gold
Silver
International Comprehensive
World
International
Classic
Comprehensive

Unlimited
$50,000
$20,000
Unlimited
$60,000
Unlimited
$100,000
Unlimited
$10,000
Unlimited

$25,000
Unlimited
$40,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited

Unlimited
Unlimited
$1,000
$2,000
$2,000
Unlimited
$3,000
$500
$2,000
$500

$12,000
$10,000
$6,000
$32,000
$24,000
$24,000
$50,000
$24,000
$10,000
$24,000

N/A
N/A
N/A
$2,000
$1,000
$400
$500
$250
$500
$250

$3,000
$3,500
$250
$3,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000

Plan A Comprehensive
Plan A - Comprehensive
International Comprehensive
Plan A - Platinum
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Go Plus - International
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
International Comprehensive

Unlimited
Unlimited
Unlimited
Unlimited
$5,000
Unlimited
Unlimited
$100,000
Unlimited
$20,000
$25,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$100,000 $20,000,000
$30,000
Unlimited
N/A
$5,000,000
N/A
$5,000,000
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
$10,000,000
$10,000,000
Unlimited

$500
$500
Unlimited
$500
$1,500
$500
$2,000
$6,000
$1,000
$1,000
$1,000
Unlimited

$15,000
$10,000
$15,000
$10,000
$4,000
$10,000
$12,000
$40,000
$10,000
$6,000
$10,000
$16,000

$250
$250
$500
$250
$500
N/A
$500
$2,000
$500
N/A
$250
$500

$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000

1300 Insurance
1Cover Direct
Australia Post
Budget Direct
Downunder Insurance
Fastcover
GIO
Go Insurance
itrek
Kango Cover
Kango Cover
Medibank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 151

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
N/A
$500
N/A
$400
$500
$400
N/A
$500
$500

$3,000
$200
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$500
$3,000

$250
$500
$0
$200
N/A
$500
N/A
N/A
N/A
$400
$400
$2,000

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$4,000
$3,000
$3,500
$3,500
$3,000

MyCover
NRMA
Online Travel Insurance
OUCH
Priceline Protects
Real Insurance
Virgin Money
Virgin Money
Webjet
Woolworths

Plan A - Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan
International - Premium
Comprehensive - International
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Comprehensive

Unlimited
Unlimited
$50,000
Unlimited
$20,000
$24,000
Unlimited
Unlimited
Unlimited
$24,000

$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$24,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$24,000
Unlimited

Unlimited
$500
$15,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
Unlimited
Unlimited $20,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
Unlimited
Unlimited $20,000

Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Super
Plan A - Comprehensive
Plan B - Silver
International - Super
Super
International - Elite
International - Premium
Premier

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$100,000
$30,000

$50,000
Unlimited
$60,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
$150,000 $40,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000

Allianz
American Express
American Express
ANZ
Australian Unity
Big Sky
Budget Direct
BUPA
CGU
Citibank
Citibank
Columbus Direct

$500
Unlimited
Unlimited
$4,000
$2,000
$500
$500
$2,000
$2,000
Unlimited
Unlimited
$4,000

$15,000
$30,000
$10,000
$30,000
$20,000
$15,000
$6,000
$24,000
$20,000
$60,000
$20,000
$15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 152

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$1,000
N/A
$200
$500
$500
$500
$1,000
$12,000
$500
N/A
N/A
$500
$250
$500
$500
N/A
$500
$750
$800
$500
$200
N/A
N/A
N/A

$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$600
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
$6,000
$3,000
$4,000
$1,000

Columbus Direct
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
multitrip.com.au
nab
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects

Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - International
Premier Plus Extras
Super
Super Plus
International - Essential

$20,000
$10,000
$10,000
$20,000
Unlimited
Unlimited
$60,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000

$100,000
$20,000
$40,000
$60,000
$50,000
$50,000
$80,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
$100,000
$50,000
$50,000
$50,000
$50,000
$50,000
N/A

$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$750
$10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$40,000,000
$3,000 $30,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
$2,000 $24,000
Unlimited
$500
$15,000
Unlimited
Unlimited $30,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 153

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

QBE
QBE
RAC
Real Insurance
Simply Travel Insurance
Ski Insurance
St.George Bank
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
Woolworths
World Nomads
World Nomads

A Travel
Premier Plus Extras
Premium
Basics - International
Plan A - Comprehensive
Plan A - International
Super
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Basic
Explorer
Standard

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
$20,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$10,000
Unlimited
$7,000

$50,000
$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$120,000
$40,000
$25,000
$50,000
N/A
$30,000
$50,000
N/A
$25,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
$1,000,000

Unlimited
Unlimited
$1,000
Unlimited
$500
$500
$2,000
$2,000
$4,000
$2,000
Unlimited
$0
$4,000
$2,000
$2,000
Unlimited
$1,000
$1,000

$30,000
$30,000
$15,000
$10,000
$15,000
$10,000
$20,000
$12,000
$30,000
$14,000
$12,000
$10,000
$10,000
$3,000
$12,000
$10,000
$20,000
$4,000

N/A
$200
$500
N/A
$250
$500
N/A
$500
$2,400
$600
$200
$500
N/A
$250
$500
N/A
$250
N/A

$3,000
$6,000
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$2,000
$500

Gold (C12)
Basic - Super
Plan A - Super
Super Plus

Unlimited
$6,000
Unlimited
Unlimited

$50,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$2,000

$30,000
$6,000
$16,000
$24,000

$1,000
$250
$250
N/A

$3,000
$1,500
$4,000
$4,000

AIG
Aussie Travel Cover
Aussie Travel Cover
Australian Unity

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 154

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - France

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$20,000
$24,000
$6,000
$16,000
$15,000
$30,000
$5,000
$15,000
$15,000
$24,000
$24,000
$10,000

N/A
N/A
$500
$250
$400
$200
N/A
$500
$500
N/A
$500
$500

$3,000
$4,000
$3,000
$3,000
N/A
$6,000
$200
$2,500
$2,500
$4,000
$4,000
$3,000

$20,000,000 20,000,00 $6,000

$20,000,000
$2,000
$4,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

N/A
N/A
N/A
N/A
$500
N/A

$300
N/A
$200
$200
$4,000
$3,000

BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
multitrip.com.au
Onepath
RAC
RACQ
RACV
St.George Bank
Suresave
Zuji

International - Super Plus

Super Plus
Basic - International
Plan A - Comprehensive
International - Premier
International Travel
Essentials
Premium
Premium
Super Plus
Comprehensive
Comprehensive

Unlimited
Unlimited
$6,000
Unlimited
$30,000
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$20,000
$50,000
$50,000
$50,000
$50,000
$25,000

Elements Plan
International - Essentials
Essentials
Essentials
Budget
Basic - International

$20,000
$6,000
$2,000
$2,000
$10,000
Unlimited

N/A
$20,000,000
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited
N/A
Unlimited
$22,000 $20,000,000

$2,000
$2,000
$500
$500
$2,000
$4,000
$1,000
$1,000
$1,000
$2,000
$1,000
$500

HCF Insurance
multitrip.com.au
RACQ
RACV
Suresave
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 155

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
$2,000
$1,000
N/A
$500
$250
$500
N/A
$500
$250

$3,500
$3,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000
$3,000

$250
N/A
$500
$400
$500
N/A
$500
$400
N/A
$500
N/A
N/A

$3,000
$3,000
$3,000
$3,500
$3,000
$250
$3,000
$3,000
$200
$3,000
$3,000
$1,000

Citibank
Insure and Go
Insure and Go
Real Insurance
Real Insurance
Travel Insurance Direct
Travel Insuranz
Woolworths
Woolworths
Worldcare

International - Essential
Gold
Silver
Basics - International
Comprehensive - International
International
Classic
Basic
Comprehensive
Comprehensive

$50,000
Unlimited
$60,000
$10,000
$24,000
Unlimited
$10,000
$10,000
$24,000
Unlimited

$40,000
Unlimited
$130,000 Unlimited
$100,000 Unlimited
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited
N/A
$20,000,000
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited

Plan A Comprehensive
International Travel
International Comprehensive
International - Premium
Plan C - Backpackers
Essentials Travel Insurance
International Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan
International - Essential

Unlimited
Unlimited
Unlimited
$100,000
$5,000
$20,000
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
$10,000

$50,000
Unlimited
$25,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited

Unlimited
$500
$15,000
Unlimited
Unlimited $12,000
Unlimited
Unlimited $15,000
Unlimited
Unlimited $20,000
Unlimited
$1,500
$4,000
$10,000,000
$1,000
$6,000
Unlimited
Unlimited $16,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $3,000

Unlimited
$2,000
$2,000
Unlimited
Unlimited
$500
$2,000
Unlimited
Unlimited
$500

$10,000
$32,000
$24,000
$10,000
$20,000
$24,000
$10,000
$10,000
$20,000
$24,000

1300 Insurance
AAMI
Australia Post
Citibank
Downunder Insurance
Good2Go
Medibank
NRMA
NRMA
Online Travel Insurance
OUCH
Priceline Protects

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 156

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Priceline Protects
QBE
Southern Cross Travel Insuranc
Travel Insuranz
Virgin Australia
Virgin Australia
Virgin Money
World Nomads

International - Premium
A Travel
Superworld
Premier
Comprehensive
Essentials
Comprehensive - Plan A
Standard

$20,000
Unlimited
$100,000
$20,000
Unlimited
Unlimited
Unlimited
$7,000

$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$40,000 $20,000,000
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
$10,000,000

Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited
$1,000,000

Unlimited
Unlimited
$3,000
$2,000
$0
$4,000
$1,000
$1,000

$10,000
$30,000
$50,000
$14,000
$10,000
$10,000
$15,000
$4,000

$400
N/A
$500
$600
$500
N/A
$400
N/A

$3,500
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500

Plan A - Comprehensive
Gold (C12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver
Super Plus
International - Elite
Premier
Standard
Essentials - International

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$30,000
$20,000
$10,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$60,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$150,000 $40,000,000
$100,000 $25,000,000
$20,000 $20,000,000

Unlimited
$500
Unlimited
$2,000
Unlimited
$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$4,000
Unlimited
$500
Unlimited
$500
Unlimited
$500
Unlimited
$2,000
Unlimited
Unlimited
$40,000,000
$4,000
$25,000,000
$2,000
$20,000,000 20,000,00

$10,000
$30,000
$15,000
$30,000
$10,000
$30,000
$15,000
$10,000
$6,000
$24,000
$60,000
$15,000
$12,000
$6,000

$250
$1,000
$250
$500
$0
$200
$500
$250
N/A
N/A
$400
$2,000
$1,000
N/A

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$4,000
$3,500
$3,000
$3,000
$200

1Cover Direct
AIG
Allianz
American Express
American Express
ANZ
Big Sky
Budget Direct
Budget Direct
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 157

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
$500
$500
$500
N/A
$500
$1,000
$2,000
$12,000
$500
N/A
$500
$250
$500
N/A
$500
N/A
$250
$500
$750
$800
$250
$500
$200

$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$3,000
$3,000
N/A
$3,000
$3,000
$6,000

Covermore
Downunder Insurance
Fastcover
Fastcover
Fastcover
GIO
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover
Kango Cover
Kango Cover
multitrip.com.au
MyCover
nab
OUCH

Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Gold
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International - Premier Plus
Plan A - Comprehensive
Plan A - International
Premier Plus Extras

$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$60,000
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
Unlimited
$20,000
$25,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited

$40,000
$60,000
$50,000
$50,000
$30,000
$50,000
$80,000
$100,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
N/A
N/A
$100,000
$50,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
$10,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
$750
$500
$500
$500
$2,000
$3,000
$6,000
$2,000
$500
$2,000
Unlimited
$500
$500
$1,000
$1,000
$1,000
$1,000
$2,000
$2,000
$2,000
$500
$500
Unlimited

$12,000
$10,000
$15,000
$15,000
$10,000
$12,000
$30,000
$40,000
$3,000
$15,000
$24,000
$24,000
$15,000
$15,000
$10,000
$10,000
$6,000
$10,000
$12,000
$15,000
$24,000
$15,000
$15,000
$30,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 158

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

People's Choice Credit Union

QBE
RAC
Simply Travel Insurance
St.George Bank
Suncorp Bank
Travel Insuranz
Travellers Choice
Virgin Money
Webjet
Webjet
Westpac
World Nomads

Super Plus
Premier Plus Extras
Premium
Plan A - Comprehensive
Super Plus
Holiday Travel Insurance - Single Trip
Deluxe
Comprehensive - International
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Holiday Travel Insurance
Explorer

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$120,000 $20,000,000
$25,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited

Basic - Super
Plan A - Super
Super Plus
International - Super Plus
Basic - International
Plan A - Comprehensive
International - Premier
International Travel
Essentials

$6,000
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$30,000
Unlimited
$2,000

$20,000
$50,000
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$20,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

$2,000
Unlimited
$1,000
$500
$2,000
$2,000
$4,000
Unlimited
$1,000
$2,000
$2,000
$2,000
$1,000

$24,000
$30,000
$15,000
$15,000
$24,000
$12,000
$30,000
$12,000
$6,000
$10,000
$3,000
$12,000
$20,000

N/A
$200
$500
$250
N/A
$500
$2,400
$200
N/A
$500
$250
$500
$250

$4,000
$6,000
$2,500
$3,000
$4,000
$3,000
$3,000
$3,000
$3,000
$500
$500
$3,000
$2,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$2,000
$2,000
$500
$500
$2,000
$4,000
$1,000

$6,000
$16,000
$24,000
$20,000
$6,000
$16,000
$15,000
$30,000
$5,000

$250
$250
N/A
N/A
$500
$250
$400
$200
N/A

$1,500
$4,000
$4,000
$3,000
$3,000
$3,000
N/A
$6,000
$200

Aussie Travel Cover

Aussie Travel Cover
Australian Unity
BUPA
CHI Travel Insurance
CHI Travel Insurance
multitrip.com.au
Onepath
RAC

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 159

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Japan

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$15,000
$15,000
$10,000
$10,000
$24,000
$10,000

$500
$500
$500
$500
$500
$500

$2,500
$2,500
$3,000
$4,000
$4,000
$3,000

$20,000,000 20,000,00 $6,000

Unlimited
$500
$15,000
$20,000,000
$2,000
$4,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
$20,000,000 20,000,00 $3,000

N/A
$500
N/A
N/A
N/A
N/A

$300
$3,000
N/A
$200
$200
$3,000

RACQ
RACV
Ski Insurance
Suresave
Suresave
Zuji

Premium
Premium
Plan A - International
Budget
Comprehensive
Comprehensive

Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited

$50,000
$50,000
$50,000
N/A
$50,000
$25,000

Elements Plan
Plan D - Snow Cover
International - Essentials
Essentials
Essentials
Basic - International

$20,000
Unlimited
$6,000
$2,000
$2,000
Unlimited

N/A
$20,000,000
$30,000
Unlimited
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited
$22,000 $20,000,000

$1,000
$1,000
$500
$1,000
$1,000
$500

HCF Insurance
Hume Building Society
multitrip.com.au
RACQ
RACV
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 160

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
American Express
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
Real Insurance
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Worldcare

International Travel
Comprehensive - Single Trip Internatio
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
Basics - International
Comprehensive - International
New Zealand / South Pacific
International
Classic
Comprehensive

Unlimited
Unlimited
$5,000
$20,000
Unlimited
$60,000
$20,000
$10,000
$24,000
$100,000
Unlimited
$10,000
Unlimited

$25,000
Unlimited
$60,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
N/A
$5,000,000
N/A
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited

Plan A Comprehensive
Plan A - Comprehensive
Essentials -Single Trip International
International Comprehensive
Plan A - Platinum
Plan A - Comprehensive
Holiday Travel Insurance
One-Trip Plans - F12, C12, D12, E12
International Travel Plan

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited

$50,000
$50,000
N/A
$50,000
$40,000
$60,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited

Unlimited
Unlimited
$1,500
$1,000
$2,000
$2,000
$1,000
Unlimited
Unlimited
$3,000
$500
$2,000
$500

$12,000
$30,000
$4,000
$6,000
$32,000
$24,000
$6,000
$10,000
$20,000
$50,000
$24,000
$10,000
$24,000

N/A
$500
$500
N/A
$2,000
$1,000
N/A
N/A
$500
$500
$250
$500
$250

$3,000
$3,000
$3,000
$250
$3,000
$2,000
$250
$3,000
$3,000
$3,000
$4,000
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$500
Unlimited
Unlimited
$500
$750
$2,000
$2,000
Unlimited

$15,000
$10,000
$10,000
$15,000
$10,000
$10,000
$12,000
$3,000
$24,000

$250
$250
$0
$500
$250
$500
$500
$12,000
$500

$3,000
$3,000
$1,500
$3,000
$3,000
$3,000
$3,000
$600
$6,000

1300 Insurance
1Cover Direct
American Express
Australia Post
Budget Direct
Downunder Insurance
GIO
Good2Go
HCF Insurance

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 161

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$1,000 $10,000
$10,000,000
$1,000 $10,000
Unlimited
Unlimited $16,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
$40,000,000
$4,000 $30,000
$40,000,000
$2,000 $14,000
Unlimited
$0
$10,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
Unlimited
Unlimited $20,000

$500
$250
$500
$400
N/A
$500
N/A
$2,400
$600
$500
$400
N/A
$500
$500

$3,000
$3,000
$3,000
$3,000
$200
$3,000
$1,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000

$1,000
$250
$200
$250
N/A
N/A
$500
N/A

$3,000
$3,000
$6,000
$1,500
$500
$3,000
$3,000
$3,000

itrek
Kango Cover
Medibank
NRMA
NRMA
Online Travel Insurance
OUCH
Travel Insuranz
Travel Insuranz
Virgin Australia
Virgin Money
Virgin Money
Webjet
Woolworths

Platinum
L3 - Wallaby Cover
International Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
C Travel Plan
Deluxe
Premier
Comprehensive
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Comprehensive

Unlimited
$25,000
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
$40,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$24,000

$30,000
N/A
$50,000
$50,000
$20,000
$50,000
$20,000
$120,000
$40,000
$50,000
$50,000
N/A
$50,000
$24,000

Unlimited
$5,000,000
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Bronze (E12)
Plan A - Comprehensive
International
Basic - NZ/Indonesia/Fiji
Economy
Super
Plan A - Comprehensive
Plan B - Silver

Unlimited
Unlimited
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
$20,000

$50,000
$50,000
$50,000
$20,000
$20,000
$50,000
$50,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited

AIG
Allianz
ANZ
Aussie Travel Cover
Australian Unity
Australian Unity
Big Sky
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited

$2,000
$500
$4,000
$1,000
$2,000
$2,000
$500
$500

$30,000
$15,000
$30,000
$6,000
$7,000
$20,000
$15,000
$6,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 162

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

N/A
N/A
$500
$250
N/A
$400
$2,000
$1,000
$200
$500
$500
N/A
$1,000
$2,000
$500
N/A
N/A
N/A
$250
$500
$500
N/A
$500
$750

$500
$3,000
$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$2,500
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$500
$2,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

CGU
CGU
CHI Travel Insurance
CHI Travel Insurance
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore
Fastcover
Fastcover
Fastcover
Go Insurance
Go Insurance
Greater Building Society
HBF Insurance
HBF Insurance
HBF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover

Economy
Super
Basic - International
Plan A - Comprehensive
International - Essential
International - Premium
Premier
Standard
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Go Basic - International
Go Plus - International
Plan A - Comprehensive
Economy
Standard
Super
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover

Unlimited
Unlimited
$6,000
Unlimited
$50,000
$100,000
$30,000
$20,000
$10,000
Unlimited
Unlimited
Unlimited
$60,000
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$30,000

$20,000
$50,000
$20,000
$50,000
$40,000
$50,000
$150,000
$100,000
$40,000
$50,000
$50,000
$30,000
$80,000
$100,000
$50,000
$20,000
$30,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
$100,000

$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
$250,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited

$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
$250,000
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$25,000,000
Unlimited

$2,000
$2,000
$500
$500
Unlimited
Unlimited
$4,000
$2,000
Unlimited
$500
$500
$500
$3,000
$6,000
$500
$2,000
$2,000
$2,000
$500
$500
$500
$1,000
$2,000
$2,000

$7,000
$20,000
$6,000
$16,000
$10,000
$20,000
$15,000
$12,000
$12,000
$15,000
$15,000
$10,000
$30,000
$40,000
$15,000
$7,000
$10,000
$20,000
$15,000
$15,000
$15,000
$10,000
$12,000
$15,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 163

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$250,000
Unlimited
Unlimited

Theft of
Cash

Item Limit
Laptop

$400
$800
$250
$500
$200
N/A
N/A
$200
N/A
N/A
N/A
$400
N/A
N/A
N/A
$200
$500
$500
$500
$250
$500
N/A
N/A
$500

N/A
N/A
$3,000
$3,000
$6,000
$3,000
$2,000
$6,000
$500
$3,000
$1,000
$3,500
$3,000
$2,000
$1,000
$6,000
$2,500
$2,500
$2,500
$3,000
$3,000
$500
$3,000
$3,000

multitrip.com.au
multitrip.com.au
MyCover
nab
Onepath
OUCH
OUCH
OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
QBE
QBE
RAC
RACQ
RACV
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
Suncorp Bank

International - Premier
International - Premier Plus
Plan A - Comprehensive
Plan A - International
International Travel
A Travel Plan
B Travel Plan
Premier Plus Extras
Economy
Super
International - Essential
International - Premium
A Travel
B Travel
C Travel
Premier Plus Extras
Premium
Premium
Premium
Plan A - Comprehensive
Plan A - International
Economy
Super
Holiday Travel Insurance - Single Trip

$30,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$40,000
$50,000
$50,000
$50,000
$50,000
$50,000
$36,000
$50,000
$20,000
$50,000
N/A
$50,000
$50,000
$36,000
$20,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000

$2,000
$2,000
$500
$500
$4,000
Unlimited
Unlimited
Unlimited
$2,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$1,000
$500
$500
$2,000
$2,000
$2,000

$15,000
$24,000
$15,000
$15,000
$30,000
$30,000
$30,000
$30,000
$7,000
$20,000
$3,000
$10,000
$30,000
$30,000
$30,000
$30,000
$15,000
$15,000
$15,000
$15,000
$10,000
$7,000
$20,000
$12,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 164

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Suresave
Suresave
Webjet
Westpac
Woolworths
Zuji

Budget
Comprehensive
Essentials - Plan B
Holiday Travel Insurance
Basic
Comprehensive

$10,000
Unlimited
$10,000
Unlimited
$10,000
Unlimited

N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
N/A
Unlimited
$25,000
Unlimited

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited

$10,000
$24,000
$3,000
$12,000
$10,000
$10,000

$500
$500
$250
$500
N/A
$500

$4,000
$4,000
$500
$3,000
$3,000
$3,000

Plan A - NZ/Indonesia/Fiji
Standard
Super Plus
International - Economy
International - Super
International - Super Plus
Standard
Super Plus
International - Elite
Essentials - International
Super Plus
International - Essentials
Standard
Super Plus
Standard
Super Plus

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
Unlimited

$20,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$20,000
$250,000
$50,000
Unlimited
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited
$200,000 Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$20,000 $10,000,000
$30,000
$600,000
$50,000
Unlimited
$30,000
$600,000
$50,000
Unlimited

Unlimited
$1,000
$6,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
$250,000
$2,000
$7,000
Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$20,000,000 20,000,00 $6,000
Unlimited
$2,000 $24,000
$20,000,000
$2,000
$4,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $24,000

$250
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$400
N/A
N/A
N/A
N/A
N/A
N/A
N/A

$3,000
$2,000
$4,000
$500
$4,000
$3,000
$2,000
$4,000
$3,500
$200
$4,000
N/A
$2,000
$4,000
$2,000
$4,000

$1,000
$1,000
$2,000
$2,000
Unlimited
$500

Aussie Travel Cover

Australian Unity
Australian Unity
BUPA
BUPA
BUPA
CGU
CGU
Citibank
Covermore
HBF Insurance
multitrip.com.au
People's Choice Credit Union
People's Choice Credit Union
St.George Bank
St.George Bank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 165

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - New Zealand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited

Unlimited
Unlimited

Unlimited $12,000
$1,000 $20,000

$200
$250

$3,000
$2,000

$600,000
$2,000 $10,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
$20,000,000 20,000,00 $3,000
$1,000,000
$1,000
$4,000

N/A
N/A
N/A
N/A
N/A
N/A
N/A

$2,000
$300
$200
$200
$200
$3,000
$500

Travellers Choice
World Nomads

Comprehensive - International
Explorer

Unlimited
Unlimited

$25,000
$25,000

International - Standard
Elements Plan
Essentials
Essentials
Essentials
Basic - International
Standard

Unlimited
$20,000
$2,000
$2,000
$2,000
Unlimited
$7,000

$30,000
$600,000
N/A
$20,000,000
$20,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$22,000 $20,000,000
N/A
$10,000,000

BUPA
HCF Insurance
RAC
RACQ
RACV
Travellers Choice
World Nomads

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 166

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Kango Cover
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money
Woolworths

Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
L2 - Rock Wallaby Cover
World
International
Classic
Comprehensive - Plan A
Comprehensive

$5,000
$20,000
Unlimited
$60,000
$20,000
$100,000
Unlimited
$10,000
Unlimited
$24,000

$30,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
N/A
$5,000,000
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited
$24,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited

$1,500
$1,000
$2,000
$2,000
$1,000
$3,000
$500
$2,000
$1,000
Unlimited

$4,000
$6,000
$32,000
$24,000
$6,000
$50,000
$24,000
$10,000
$15,000
$20,000

$500
N/A
$2,000
$1,000
N/A
$500
$250
$500
$400
$500

$3,000
$250
$3,000
$2,000
$250
$3,000
$4,000
$500
$3,000
$3,000

Plan A - Comprehensive
International Travel
International - Essential
International - Premium
Plan A - Comprehensive
Holiday Travel Insurance
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Platinum
L3 - Wallaby Cover
Plan A - Comprehensive

Unlimited
Unlimited
$50,000
$100,000
$20,000
Unlimited
$60,000
$100,000
Unlimited
Unlimited
$25,000
Unlimited

$50,000
Unlimited
$25,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$60,000
Unlimited
$50,000
Unlimited
$80,000 $20,000,000
$100,000 $20,000,000
$50,000
Unlimited
$30,000
Unlimited
N/A
$5,000,000
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
$10,000,000
Unlimited

$500
Unlimited
Unlimited
Unlimited
$750
$2,000
$3,000
$6,000
$2,000
$1,000
$1,000
$500

$10,000
$12,000
$10,000
$20,000
$10,000
$12,000
$30,000
$40,000
$3,000
$10,000
$10,000
$15,000

$250
N/A
N/A
$400
$500
$500
$1,000
$2,000
$12,000
$500
$250
$250

$3,000
$3,000
$3,500
$3,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$3,000
$3,000

1Cover Direct
AAMI
Citibank
Citibank
Downunder Insurance
GIO
Go Insurance
Go Insurance
Good2Go
itrek
Kango Cover
MyCover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 167

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

OUCH
Priceline Protects
QBE
Real Insurance
Real Insurance
Travel Insuranz
Travel Insuranz
Virgin Money
Woolworths
Worldcare

A Travel Plan
International - Premium
A Travel
Basics - International
Comprehensive - International
Deluxe
Premier
Essentials - Plan E
Basic
Comprehensive

Unlimited
$20,000
Unlimited
$10,000
$24,000
$40,000
$20,000
Unlimited
$10,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$120,000 $20,000,000
$40,000 $20,000,000
N/A
Unlimited
N/A
Unlimited
$50,000
Unlimited

Plan A Comprehensive
Gold (C12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
International Comprehensive
Super
Super Plus
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000

$50,000
$50,000
$50,000
$60,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$40,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$4,000
$2,000
$1,000
Unlimited
$500

$30,000
$10,000
$30,000
$10,000
$20,000
$30,000
$14,000
$6,000
$10,000
$24,000

N/A
$400
N/A
N/A
$500
$2,400
$600
N/A
N/A
$250

$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$500
Unlimited
Unlimited
$4,000
Unlimited
$2,000
$2,000
$500
$500
$500

$15,000
$30,000
$15,000
$30,000
$10,000
$30,000
$15,000
$20,000
$24,000
$15,000
$10,000
$6,000

$250
$1,000
$250
$500
$0
$200
$500
N/A
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000

1300 Insurance
AIG
Allianz
American Express
American Express
ANZ
Australia Post
Australian Unity
Australian Unity
Big Sky
Budget Direct
Budget Direct

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 168

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$2,000 $24,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
Unlimited
$500
$15,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000
Unlimited
$2,000 $24,000
Unlimited
$500
$15,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$4,000 $30,000

N/A
N/A
N/A
$400
$2,000
$1,000
$200
$500
$500
N/A
$500
N/A
N/A
$500
$500
N/A
$500
$750
$500
$800
$500
$400
N/A
$200

$4,000
$3,000
$4,000
$3,500
$3,000
$3,000
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
N/A
$3,000
$3,000
$200
$6,000

BUPA
CGU
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore
Fastcover
Fastcover
Fastcover
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
Hume Building Society
itrek
Kango Cover
Kango Cover
Medibank
multitrip.com.au
nab
NRMA
NRMA
Onepath

International - Super
Super
Super Plus
International - Elite
Premier
Standard
Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
International - Premier Plus
Plan A - International
International Comprehensive
International Essentials
International Travel

Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$20,000
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$50,000
$50,000
$200,000
$150,000
$100,000
$40,000
$50,000
$50,000
$30,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
N/A
$100,000
$50,000
$50,000
$50,000
$50,000
$20,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 169

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Online Travel Insurance

OUCH
People's Choice Credit Union
People's Choice Credit Union
Priceline Protects
QBE
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
Suncorp Bank
Virgin Australia
Virgin Australia
Webjet
Webjet
Westpac
World Nomads
World Nomads

Plan A - Comprehensive
Premier Plus Extras
Super
Super Plus
International - Essential
Premier Plus Extras
Plan A - Comprehensive
Plan A - International
Super
Super Plus
Holiday Travel Insurance - Single Trip
Comprehensive
Essentials
Comprehensive - Plan A
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

$50,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Basic - Super Plus

Plan A - Super Plus
International - Super Plus
Basic - International

$6,000
Unlimited
Unlimited
$6,000

$20,000
$50,000
$50,000
$20,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000

$1,000
Unlimited
$2,000
$2,000
Unlimited
Unlimited
$500
$500
$2,000
$2,000
$2,000
$0
$4,000
$2,000
$2,000
$2,000
$1,000
$1,000

$1,000
$30,000
$20,000
$24,000
$3,000
$30,000
$15,000
$10,000
$20,000
$24,000
$12,000
$10,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000

$500
$200
N/A
N/A
N/A
$200
$250
$500
N/A
N/A
$500
$500
N/A
$500
$250
$500
$250
N/A

$3,000
$6,000
$3,000
$4,000
$1,000
$6,000
$3,000
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$500
$500
$3,000
$2,000
$500

Unlimited
Unlimited
Unlimited
Unlimited

$1,000
$1,000
$2,000
$500

$6,000
$20,000
$20,000
$6,000

$250
$250
N/A
$500

$1,500
$4,000
$3,000
$3,000

Aussie Travel Cover

Aussie Travel Cover
BUPA
CHI Travel Insurance

Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 170

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - South Africa

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

CHI Travel Insurance

Covermore
HSBC
Hume Building Society
multitrip.com.au
RAC
RACQ
RACV
Suresave
Suresave
Travellers Choice
Zuji

Plan A - Comprehensive
Essentials - International
Plan A - Comprehensive
Plan D - Snow Cover
International - Premier
Premium
Premium
Premium
Budget
Comprehensive
Comprehensive - International
Comprehensive

Unlimited
$10,000
Unlimited
Unlimited
$30,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited

$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$30,000
Unlimited
$40,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$500
$16,000
$20,000,000 20,000,00 $6,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$2,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $24,000
Unlimited
Unlimited $12,000
Unlimited
$500
$10,000

$250
N/A
$250
$500
$400
$500
$500
$500
$500
$500
$200
$500

$3,000
$200
$3,000
$3,000
N/A
$2,500
$2,500
$2,500
$4,000
$4,000
$3,000
$3,000

Elements Plan
International - Essentials
Essentials
Essentials
Essentials
Basic - International

$20,000
$6,000
$2,000
$2,000
$2,000
Unlimited

N/A
$20,000,000
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$22,000 $20,000,000

$20,000,000 20,000,00
$20,000,000
$2,000
Unlimited
$1,000
Unlimited
$1,000
Unlimited
$1,000
$20,000,000 20,000,00

N/A
N/A
N/A
N/A
N/A
N/A

$300
N/A
$200
$200
$200
$3,000

HCF Insurance
multitrip.com.au
RAC
RACQ
RACV
Travellers Choice

$6,000
$4,000
$5,000
$5,000
$5,000
$3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 171

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Good2Go
Insure and Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Woolworths
Worldcare

International Travel
International - Essential
Essentials Travel Insurance
Gold
Silver
B Travel Plan
Comprehensive - International
World
International
Classic
Comprehensive
Comprehensive

Unlimited
$50,000
$20,000
Unlimited
$60,000
Unlimited
$24,000
$100,000
Unlimited
$10,000
$24,000
Unlimited

$25,000
Unlimited
$40,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited

Unlimited
Unlimited
$1,000
$2,000
$2,000
Unlimited
Unlimited
$3,000
$500
$2,000
Unlimited
$500

$12,000
$10,000
$6,000
$32,000
$24,000
$30,000
$20,000
$50,000
$24,000
$10,000
$20,000
$24,000

N/A
N/A
N/A
$2,000
$1,000
N/A
$500
$500
$250
$500
$500
$250

$3,000
$3,500
$250
$3,000
$2,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A Comprehensive
Comprehensive - Single Trip Internatio
Plan A - Platinum
Plan B - Silver
International - Premium
Plan C - Backpackers
Plan E - Standard
Holiday Travel Insurance
Go Plus - International
L2 - Rock Wallaby Cover

Unlimited
Unlimited
Unlimited
$20,000
$100,000
$5,000
Unlimited
Unlimited
$100,000
$20,000

$50,000
Unlimited
$60,000
Unlimited
$40,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$100,000 $20,000,000
N/A
$5,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$10,000,000

$500
Unlimited
$500
$500
Unlimited
$1,500
$500
$2,000
$6,000
$1,000

$15,000
$30,000
$10,000
$6,000
$20,000
$4,000
$10,000
$12,000
$40,000
$6,000

$250
$500
$250
N/A
$400
$500
N/A
$500
$2,000
N/A

$3,000
$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$250

1300 Insurance
American Express
Budget Direct
Budget Direct
Citibank
Downunder Insurance
Fastcover
GIO
Go Insurance
Kango Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 172

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

MyCover
NRMA
OUCH
Priceline Protects
Priceline Protects
QBE
Real Insurance
Virgin Money
Virgin Money
Webjet
Webjet
Woolworths

Plan A - Comprehensive
International Comprehensive
A Travel Plan
International - Essential
International - Premium
B Travel
Basics - International
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Essentials - Plan B
Basic

Unlimited
Unlimited
Unlimited
$10,000
$20,000
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$10,000
$10,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$30,000 $10,000,000
N/A
Unlimited

Plan A - Comprehensive
Plan A - Comprehensive
Essentials -Single Trip International
International
International Comprehensive
Super
Plan A - Comprehensive
International - Super
Standard
Super

Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited

$500
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$1,000
$2,000
$2,000
Unlimited

$15,000
$24,000
$30,000
$3,000
$10,000
$30,000
$10,000
$15,000
$6,000
$10,000
$3,000
$10,000

$250
$400
N/A
N/A
$400
N/A
N/A
$400
N/A
$500
$250
N/A

$3,000
$3,000
$3,000
$1,000
$3,500
$2,000
$3,000
$3,000
$3,000
$500
$500
$3,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited

$500
$500
Unlimited
$4,000
Unlimited
$2,000
$500
$2,000
$2,000
$2,000

$10,000
$15,000
$10,000
$30,000
$15,000
$20,000
$15,000
$24,000
$10,000
$20,000

$250
$250
$0
$200
$500
N/A
$500
N/A
N/A
N/A

$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$4,000
$2,000
$3,000

1Cover Direct
Allianz
American Express
ANZ
Australia Post
Australian Unity
Big Sky
BUPA
CGU
CGU

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 173

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$400
$2,000
$1,000
N/A
$200
$500
$500
$500
$1,000
$12,000
$500
N/A
N/A
N/A
$500
$250
$500
$500
N/A
$500
$250
$500
$750
$500

$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$2,000
$600
$3,000
$2,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000

Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
itrek
Kango Cover
Kango Cover
Kango Cover
Medibank

International - Elite
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Standard
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
Platinum
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive

Unlimited
$30,000
$20,000
$10,000
$10,000
$20,000
Unlimited
Unlimited
$60,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
Unlimited
$25,000
$25,000
$30,000
Unlimited

$200,000
$150,000
$100,000
$20,000
$40,000
$60,000
$50,000
$50,000
$80,000
$50,000
$50,000
$30,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
$30,000
N/A
N/A
$100,000
$50,000

Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000
Unlimited
Unlimited

Unlimited
Unlimited $60,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$750
$10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$40,000,000
$3,000 $30,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
Unlimited
$1,000 $10,000
$10,000,000
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 174

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$2,000 $24,000
Unlimited
$500
$15,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
$1,000 $15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
$600,000
$2,000 $10,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $12,000
$40,000,000
$4,000 $30,000
$40,000,000
$2,000 $14,000
Unlimited
Unlimited $12,000
Unlimited
$0
$10,000
Unlimited
$4,000 $10,000
Unlimited
$2,000 $12,000
Unlimited
$1,000 $20,000
$1,000,000
$1,000
$4,000

$800
$500
N/A
$500
$200
N/A
N/A
N/A
N/A
$200
$500
$250
$500
N/A
N/A
$500
$2,400
$600
$200
$500
N/A
$500
$250
N/A

N/A
$3,000
$200
$3,000
$6,000
$2,000
$3,000
$4,000
$3,000
$6,000
$2,500
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$3,000
$2,000
$500

multitrip.com.au
nab
NRMA
Online Travel Insurance
OUCH
People's Choice Credit Union
People's Choice Credit Union
People's Choice Credit Union
QBE
QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
St.George Bank
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Westpac
World Nomads
World Nomads

International - Premier Plus

Plan A - International
International Essentials
Plan A - Comprehensive
Premier Plus Extras
Standard
Super
Super Plus
A Travel
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Standard
Super
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$7,000

$50,000
$50,000
$20,000
$50,000
$50,000
$30,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$50,000
$50,000
$120,000
$40,000
$25,000
$50,000
N/A
$50,000
$25,000
N/A

Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$600,000
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 175

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
$600,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
$600,000
Unlimited
$600,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$30,000
$6,000
$10,000
$10,000
$24,000
$10,000
$20,000
$24,000
$6,000
$16,000
$15,000
$30,000
$5,000
$15,000
$15,000
$24,000
$24,000
$10,000

$1,000
$250
$250
N/A
N/A
N/A
N/A
N/A
$500
$250
$400
$200
N/A
$500
$500
N/A
$500
$500

$3,000
$1,500
$4,000
$2,000
$4,000
$2,000
$3,000
$4,000
$3,000
$3,000
N/A
$6,000
$200
$2,500
$2,500
$4,000
$4,000
$3,000

$6,000
$4,000
$5,000
$5,000

N/A
N/A
N/A
N/A

$300
N/A
$200
$200

AIG
Aussie Travel Cover
Aussie Travel Cover
Australian Unity
Australian Unity
BUPA
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
multitrip.com.au
Onepath
RAC
RACQ
RACV
St.George Bank
Suresave
Zuji

Silver (D12)
Basic - Standard
Plan A - Standard
Standard
Super Plus
International - Standard
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
International - Premier
International Travel
Essentials
Premium
Premium
Super Plus
Comprehensive
Comprehensive

Unlimited
$6,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$6,000
Unlimited
$30,000
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$50,000
$20,000
$30,000
$30,000
$50,000
$30,000
$50,000
$50,000
$20,000
$50,000
$40,000
$50,000
$20,000
$50,000
$50,000
$50,000
$50,000
$25,000

Elements Plan
International - Essentials
Essentials
Essentials

$20,000
$6,000
$2,000
$2,000

N/A
$20,000,000
$20,000 $10,000,000
$20,000
Unlimited
$20,000
Unlimited

$2,000
$1,000
$1,000
$2,000
$2,000
$2,000
$2,000
$2,000
$500
$500
$2,000
$4,000
$1,000
$1,000
$1,000
$2,000
$1,000
$500

HCF Insurance
multitrip.com.au
RACQ
RACV

$20,000,000 20,000,00
$20,000,000
$2,000
Unlimited
$1,000
Unlimited
$1,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 176

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - Thailand

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$500
N/A

$4,000
$3,000

Suresave
Travellers Choice

Budget
Basic - International

$10,000
Unlimited

N/A
Unlimited
$22,000 $20,000,000

Unlimited
$1,000 $10,000
$20,000,000 20,000,00 $3,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 177

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Good2Go
Insure and Go
Insure and Go
OUCH
Real Insurance
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Woolworths
Worldcare

International Travel
Essentials Travel Insurance
Gold
Silver
B Travel Plan
Comprehensive - International
World
International
Classic
Comprehensive
Comprehensive

Unlimited
$20,000
Unlimited
$60,000
Unlimited
$24,000
$100,000
Unlimited
$10,000
$24,000
Unlimited

$25,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$36,000
Unlimited
$24,000
Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$24,000
Unlimited
$50,000
Unlimited

Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited

Unlimited
$1,000
$2,000
$2,000
Unlimited
Unlimited
$3,000
$500
$2,000
Unlimited
$500

$12,000
$6,000
$32,000
$24,000
$30,000
$20,000
$50,000
$24,000
$10,000
$20,000
$24,000

N/A
N/A
$2,000
$1,000
N/A
$500
$500
$250
$500
$500
$250

$3,000
$250
$3,000
$2,000
$2,000
$3,000
$3,000
$4,000
$500
$3,000
$3,000

Plan A - Comprehensive
International Comprehensive
International - Essential
Plan C - Backpackers
Holiday Travel Insurance
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Platinum
L2 - Rock Wallaby Cover
L3 - Wallaby Cover
International Comprehensive

Unlimited
Unlimited
$50,000
$5,000
Unlimited
$100,000
Unlimited
Unlimited
$20,000
$25,000
Unlimited

$50,000
Unlimited
$50,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
$50,000
Unlimited
$100,000 $20,000,000
$50,000
Unlimited
$30,000
Unlimited
N/A
$5,000,000
N/A
$5,000,000
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
$10,000,000
$10,000,000
Unlimited

$500
Unlimited
Unlimited
$1,500
$2,000
$6,000
$2,000
$1,000
$1,000
$1,000
Unlimited

$10,000
$15,000
$10,000
$4,000
$12,000
$40,000
$3,000
$10,000
$6,000
$10,000
$16,000

$250
$500
N/A
$500
$500
$2,000
$12,000
$500
N/A
$250
$500

$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$600
$3,000
$250
$3,000
$3,000

1Cover Direct
Australia Post
Citibank
Downunder Insurance
GIO
Go Insurance
Good2Go
itrek
Kango Cover
Kango Cover
Medibank

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 178

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$250
$400
N/A
$500
N/A
N/A
N/A
$400
N/A
$500
N/A

$3,000
$3,000
$200
$3,000
$3,000
$2,000
$3,000
$3,000
$3,000
$500
$3,000

$250
$1,000
$250
$500
$0
$200
N/A
$500
$250
N/A
N/A

$3,000
$3,000
$3,000
$3,000
$1,500
$6,000
$3,000
$3,000
$3,000
$3,000
$4,000

MyCover
NRMA
NRMA
Online Travel Insurance
OUCH
QBE
Real Insurance
Virgin Money
Virgin Money
Webjet
Woolworths

Plan A - Comprehensive
International Comprehensive
International Essentials
Plan A - Comprehensive
A Travel Plan
B Travel
Basics - International
Comprehensive - Plan A
Essentials - Plan E
Comprehensive - Plan A
Basic

Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
Unlimited
$10,000

$50,000
Unlimited
$50,000
Unlimited
$20,000 $20,000,000
$50,000
Unlimited
$50,000
Unlimited
$36,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited

Plan A Comprehensive
Silver (D12)
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Essentials -Single Trip International
International
Super
Plan A - Comprehensive
Plan A - Platinum
Plan B - Silver
International - Super

Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited

$50,000
$50,000
$50,000
$60,000
N/A
$50,000
$50,000
$50,000
$40,000
N/A
$50,000

Unlimited
$500
$15,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $30,000
Unlimited
Unlimited $10,000
Unlimited
$1,000 $15,000
Unlimited
$1,000
$6,000
Unlimited
$2,000 $10,000
Unlimited
Unlimited $10,000

1300 Insurance
AIG
Allianz
American Express
American Express
ANZ
Australian Unity
Big Sky
Budget Direct
Budget Direct
BUPA

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$500
$2,000
$500
Unlimited
Unlimited
$4,000
$2,000
$500
$500
$500
$2,000

$15,000
$30,000
$15,000
$30,000
$10,000
$30,000
$20,000
$15,000
$10,000
$6,000
$24,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 179

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
$2,000 $20,000
Unlimited
Unlimited $60,000
Unlimited
Unlimited $20,000
$40,000,000
$4,000 $15,000
$25,000,000
$2,000 $12,000
$20,000,000 20,000,00 $6,000
Unlimited
Unlimited $12,000
Unlimited
$750
$10,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$10,000
$40,000,000
$3,000 $30,000
Unlimited
$500
$15,000
Unlimited
$2,000 $20,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
$500
$15,000
Unlimited
$4,000 $30,000
Unlimited
Unlimited $30,000

N/A
$400
$400
$2,000
$1,000
N/A
$200
$500
$500
$500
N/A
$1,000
$500
N/A
N/A
$500
$250
$500
N/A
$500
$750
$500
$200
$200

$3,000
$3,500
$3,500
$3,000
$3,000
$200
$2,500
$3,000
$3,000
$3,000
$3,000
$2,000
$3,000
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$6,000
$6,000

CGU
Citibank
Citibank
Columbus Direct
Columbus Direct
Covermore
Covermore
Downunder Insurance
Fastcover
Fastcover
Fastcover
Go Insurance
Greater Building Society
HBF Insurance
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
itrek
Kango Cover
Kango Cover
nab
Onepath
OUCH

Super
International - Elite
International - Premium
Premier
Standard
Essentials - International
Travelsure - International
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Plan E - Standard
Go Basic - International
Plan A - Comprehensive
Super
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Gold
L4 - Eastern Grey Cover
L5 - Big Red Cover
Plan A - International
International Travel
Premier Plus Extras

Unlimited
Unlimited
$100,000
$30,000
$20,000
$10,000
$10,000
$20,000
Unlimited
Unlimited
Unlimited
$60,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited

$50,000
$200,000
$50,000
$150,000
$100,000
$20,000
$40,000
$60,000
$50,000
$50,000
$30,000
$80,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
N/A
$100,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
$40,000,000
$25,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 180

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

People's Choice Credit Union

People's Choice Credit Union
Priceline Protects
Priceline Protects
QBE
QBE
RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
Suncorp Bank
Travel Insuranz
Travel Insuranz
Travellers Choice
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads

Super
Super Plus
International - Essential
International - Premium
A Travel
Premier Plus Extras
Premium
Plan A - Comprehensive
Plan A - International
Super
Holiday Travel Insurance - Single Trip
Deluxe
Premier
Comprehensive - International
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
$10,000
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
$20,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000

$50,000
$50,000
N/A
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000
$120,000
$40,000
$25,000
$50,000
N/A
$30,000
$50,000
$25,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$10,000,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
$40,000,000
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000

$2,000
$2,000
Unlimited
Unlimited
Unlimited
Unlimited
$1,000
$500
$500
$2,000
$2,000
$4,000
$2,000
Unlimited
$0
$4,000
$2,000
$2,000
$1,000
$1,000

$20,000
$24,000
$3,000
$10,000
$30,000
$30,000
$15,000
$15,000
$10,000
$20,000
$12,000
$30,000
$14,000
$12,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000

N/A
N/A
N/A
$400
N/A
$200
$500
$250
$500
N/A
$500
$2,400
$600
$200
$500
N/A
$250
$500
$250
N/A

$3,000
$4,000
$1,000
$3,500
$3,000
$6,000
$2,500
$3,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500

Basic - Standard
Plan A - Standard

$6,000
Unlimited

$20,000
$30,000

Unlimited
Unlimited

Unlimited
Unlimited

$1,000
$1,000

$6,000
$10,000

$250
$250

$1,500
$4,000

Aussie Travel Cover

Aussie Travel Cover

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 181

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - United Kingdon

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Personal Belongings

Overseas
Hospital

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$24,000
$20,000
$24,000
$6,000
$16,000
$15,000
$24,000
$5,000
$15,000
$15,000
$24,000
$10,000
$24,000
$10,000

N/A
N/A
N/A
$500
$250
$500
$800
N/A
$500
$500
N/A
$500
$500
$500

$4,000
$3,000
$4,000
$3,000
$3,000
$3,000
N/A
$200
$2,500
$2,500
$4,000
$4,000
$4,000
$3,000

$20,000,000 20,000,00 $6,000

$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000
$20,000,000 20,000,00 $3,000

N/A
N/A
$400
N/A
N/A
N/A

$300
N/A
N/A
$200
$200
$3,000

Australian Unity
BUPA
CGU
CHI Travel Insurance
CHI Travel Insurance
Hume Building Society
multitrip.com.au
RAC
RACQ
RACV
St.George Bank
Suresave
Suresave
Zuji

Super Plus
International - Super Plus
Super Plus
Basic - International
Plan A - Comprehensive
Plan D - Snow Cover
International - Premier Plus
Essentials
Premium
Premium
Super Plus
Budget
Comprehensive
Comprehensive

Unlimited
Unlimited
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
Unlimited
Unlimited
$10,000
Unlimited
Unlimited

$50,000
$50,000
$50,000
$20,000
$50,000
$30,000
$50,000
$20,000
$50,000
$50,000
$50,000
N/A
$50,000
$25,000

Elements Plan
International - Essentials
International - Premier
Essentials
Essentials
Basic - International

$20,000
$6,000
$30,000
$2,000
$2,000
Unlimited

N/A
$20,000,000
$20,000 $10,000,000
$40,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited
$22,000 $20,000,000

$2,000
$2,000
$2,000
$500
$500
$500
$2,000
$1,000
$1,000
$1,000
$2,000
$1,000
$1,000
$500

HCF Insurance
multitrip.com.au
multitrip.com.au
RACQ
RACV
Travellers Choice

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 182

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

AAMI
Citibank
Downunder Insurance
Good2Go
Insure and Go
Insure and Go
Southern Cross Travel Insuranc
Travel Insurance Direct
Travel Insuranz
Virgin Money

International Travel
International - Essential
Plan C - Backpackers
Essentials Travel Insurance
Gold
Silver
Superworld
International
Classic
Comprehensive - Plan A

Unlimited
$50,000
$5,000
$20,000
Unlimited
$60,000
$100,000
Unlimited
$10,000
Unlimited

$25,000
Unlimited
$40,000
Unlimited
$30,000
Unlimited
N/A
$10,000,000
$130,000 Unlimited
$100,000 Unlimited
$200,000 Unlimited
$50,000
Unlimited
N/A
$20,000,000
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited

Unlimited
Unlimited
$1,500
$1,000
$2,000
$2,000
$3,000
$500
$2,000
$1,000

$12,000
$10,000
$4,000
$6,000
$32,000
$24,000
$50,000
$24,000
$10,000
$15,000

N/A
N/A
$500
N/A
$2,000
$1,000
$500
$250
$500
$400

$3,000
$3,500
$3,000
$250
$3,000
$2,000
$3,000
$4,000
$500
$3,000

Plan A Comprehensive
Plan A - Comprehensive
Comprehensive - Single Trip Internatio
Plan A - Platinum
International - Premium
Plan A - Comprehensive
Plan E - Standard
Holiday Travel Insurance
Platinum
L2 - Rock Wallaby Cover
Plan A - Comprehensive
International - Essential

Unlimited
Unlimited
Unlimited
Unlimited
$100,000
$20,000
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
$10,000

$50,000
$50,000
$60,000
$40,000
$50,000
$60,000
$30,000
$50,000
$30,000
N/A
$50,000
N/A

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited

$500
$500
Unlimited
$500
Unlimited
$750
$500
$2,000
$1,000
$1,000
$500
Unlimited

$15,000
$10,000
$30,000
$10,000
$20,000
$10,000
$10,000
$12,000
$10,000
$6,000
$15,000
$3,000

$250
$250
$500
$250
$400
$500
N/A
$500
$500
N/A
$250
N/A

$3,000
$3,000
$3,000
$3,000
$3,500
$3,000
$3,000
$3,000
$3,000
$250
$3,000
$1,000

1300 Insurance
1Cover Direct
American Express
Budget Direct
Citibank
Downunder Insurance
Fastcover
GIO
itrek
Kango Cover
MyCover
Priceline Protects

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 183

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Priceline Protects
Real Insurance
Real Insurance
Travel Insuranz
Virgin Money
Webjet
Woolworths
Woolworths
Worldcare

International - Premium
Basics - International
Comprehensive - International
Premier
Essentials - Plan E
Comprehensive - Plan A
Basic
Comprehensive
Comprehensive

$20,000
$10,000
$24,000
$20,000
Unlimited
Unlimited
$10,000
$24,000
Unlimited

$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$40,000 $20,000,000
N/A
Unlimited
$50,000
Unlimited
N/A
Unlimited
$24,000
Unlimited
$50,000
Unlimited

Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited
Unlimited
$2,000
$1,000
$2,000
Unlimited
Unlimited
$500

$10,000
$10,000
$20,000
$14,000
$6,000
$10,000
$10,000
$20,000
$24,000

$400
N/A
$500
$600
N/A
$500
N/A
$500
$250

$3,500
$3,000
$3,000
$500
$3,000
$500
$3,000
$3,000
$3,000

Plan A - Comprehensive
Essentials -Single Trip International
International
International Comprehensive
Super Plus
Plan A - Comprehensive
Plan B - Silver
International - Super Plus
Super Plus
International - Elite
Premier
Standard
Essentials - International

Unlimited
$20,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000
Unlimited
Unlimited
Unlimited
$30,000
$20,000
$10,000

$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
N/A
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$200,000 Unlimited
$150,000 $40,000,000
$100,000 $25,000,000
$20,000 $20,000,000

Unlimited
$500
Unlimited
Unlimited
Unlimited
$4,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
$500
Unlimited
$500
Unlimited
$2,000
Unlimited
$2,000
Unlimited
Unlimited
$40,000,000
$4,000
$25,000,000
$2,000
$20,000,000 20,000,00

$15,000
$10,000
$30,000
$15,000
$24,000
$15,000
$6,000
$20,000
$24,000
$60,000
$15,000
$12,000
$6,000

$250
$0
$200
$500
N/A
$500
N/A
N/A
N/A
$400
$2,000
$1,000
N/A

$3,000
$1,500
$6,000
$3,000
$4,000
$3,000
$3,000
$3,000
$4,000
$3,500
$3,000
$3,000
$200

Allianz
American Express
ANZ
Australia Post
Australian Unity
Big Sky
Budget Direct
BUPA
CGU
Citibank
Columbus Direct
Columbus Direct
Covermore

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 184

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

$200
$500
$500
$1,000
$2,000
$12,000
$500
N/A
$500
$250
$500
$500
N/A
$250
$500
$750
$500
$500
$400
N/A
$500
$200
N/A
$200

$2,500
$3,000
$3,000
$2,000
$3,000
$600
$3,000
$4,000
$6,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$200
$3,000
$6,000
$4,000
$6,000

Covermore
Fastcover
Fastcover
Go Insurance
Go Insurance
Good2Go
Greater Building Society
HBF Insurance
HCF Insurance
HSBC
Hume Building Society
Hume Building Society
itrek
Kango Cover
Kango Cover
Kango Cover
Medibank
nab
NRMA
NRMA
Online Travel Insurance
OUCH
People's Choice Credit Union
QBE

Travelsure - International
Plan A - Comprehensive
Plan D - Comprehensive with Snow C
Go Basic - International
Go Plus - International
One-Trip Plans - F12, C12, D12, E12
Plan A - Comprehensive
Super Plus
International Travel Plan
Plan A - Comprehensive
Plan A - Comprehensive
Plan D - Snow Cover
Gold
L3 - Wallaby Cover
L4 - Eastern Grey Cover
L5 - Big Red Cover
International Comprehensive
Plan A - International
International Comprehensive
International Essentials
Plan A - Comprehensive
Premier Plus Extras
Super Plus
Premier Plus Extras

$10,000
Unlimited
Unlimited
$60,000
$100,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$30,000
$25,000
$25,000
$30,000
Unlimited
Unlimited
Unlimited
Unlimited
$50,000
Unlimited
Unlimited
Unlimited

$40,000
$50,000
$50,000
$80,000
$100,000
$50,000
$50,000
$50,000
$50,000
$50,000
$30,000
$30,000
$30,000
N/A
N/A
$100,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
$20,000,000
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$5,000,000
$12,500,000
Unlimited
Unlimited
Unlimited
Unlimited
$20,000,000
Unlimited
Unlimited
Unlimited
Unlimited

Unlimited
Unlimited $12,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
$40,000,000
$3,000 $30,000
$40,000,000
$6,000 $40,000
Unlimited
$2,000
$3,000
Unlimited
$500
$15,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $24,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$500
$15,000
Unlimited
$1,000 $10,000
$10,000,000
$1,000 $10,000
$25,000,000
$2,000 $12,000
Unlimited
$2,000 $15,000
Unlimited
Unlimited $16,000
Unlimited
$500
$15,000
Unlimited
Unlimited $24,000
$20,000,000 20,000,00 $6,000
Unlimited
$1,000
$1,000
Unlimited
Unlimited $30,000
Unlimited
$2,000 $24,000
Unlimited
Unlimited $30,000

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 185

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

RAC
Simply Travel Insurance
Ski Insurance
St.George Bank
Suncorp Bank
Travel Insuranz
Virgin Australia
Virgin Australia
Webjet
Westpac
World Nomads
World Nomads

Premium
Plan A - Comprehensive
Plan A - International
Super Plus
Holiday Travel Insurance - Single Trip
Deluxe
Comprehensive
Essentials
Essentials - Plan B
Holiday Travel Insurance
Explorer
Standard

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000
Unlimited
Unlimited
$10,000
Unlimited
Unlimited
$7,000

$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$50,000
Unlimited
$120,000 $20,000,000
$50,000
Unlimited
N/A
Unlimited
$30,000 $10,000,000
$50,000
Unlimited
$25,000
Unlimited
N/A
$10,000,000

Platinum (F12)
Basic - Super Plus
Plan A - Super Plus
Basic - International
Plan A - Comprehensive
International - Premier Plus
International Travel
Essentials
Premium
Premium

Unlimited
$6,000
Unlimited
$6,000
Unlimited
Unlimited
Unlimited
$2,000
Unlimited
Unlimited

$50,000
$20,000
$50,000
$20,000
$50,000
$50,000
$50,000
$20,000
$50,000
$50,000

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
$40,000,000
Unlimited
Unlimited
$10,000,000
Unlimited
Unlimited
$1,000,000

$1,000
$500
$500
$2,000
$2,000
$4,000
$0
$4,000
$2,000
$2,000
$1,000
$1,000

$15,000
$15,000
$10,000
$24,000
$12,000
$30,000
$10,000
$10,000
$3,000
$12,000
$20,000
$4,000

$500
$250
$500
N/A
$500
$2,400
$500
N/A
$250
$500
$250
N/A

$2,500
$3,000
$3,000
$4,000
$3,000
$3,000
$3,000
$3,000
$500
$3,000
$2,000
$500

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

$2,000
$1,000
$1,000
$500
$500
$2,000
$4,000
$1,000
$1,000
$1,000

$30,000
$6,000
$20,000
$6,000
$16,000
$24,000
$30,000
$5,000
$15,000
$15,000

$1,000
$250
$250
$500
$250
$800
$200
N/A
$500
$500

$3,000
$1,500
$4,000
$3,000
$3,000
N/A
$6,000
$200
$2,500
$2,500

AIG
Aussie Travel Cover
Aussie Travel Cover
CHI Travel Insurance
CHI Travel Insurance
multitrip.com.au
Onepath
RAC
RACQ
RACV

Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 186

Travel Insurance Star Ratings

Report Date: August 2014

We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Family - International - USA

Overseas Medical
Company Name

Product

24 Hr Cancellation Accidental
Helpline Fee Cover
Death
Cover

Overseas
Hospital

Personal Belongings

Repatriation Overseas Luggage/

Personal
Dental
/Evacuation
Effects

Theft of
Cash

Item Limit
Laptop

Suresave
Suresave
Travellers Choice
Travellers Choice
Zuji

Budget
Comprehensive
Basic - International
Comprehensive - International
Comprehensive

$10,000
Unlimited
Unlimited
Unlimited
Unlimited

N/A
Unlimited
$50,000
Unlimited
$22,000 $20,000,000
$25,000
Unlimited
$25,000
Unlimited

Unlimited
$1,000 $10,000
Unlimited
$1,000 $24,000
$20,000,000 20,000,00 $3,000
Unlimited
Unlimited $12,000
Unlimited
$500
$10,000

$500
$500
N/A
$200
$500

$4,000
$4,000
$3,000
$3,000
$3,000

Elements Plan
International - Essentials
International - Premier
Essentials
Essentials

$20,000
$6,000
$30,000
$2,000
$2,000

N/A
$20,000,000
$20,000 $10,000,000
$40,000
Unlimited
$20,000
Unlimited
$20,000
Unlimited

$20,000,000 20,000,00 $6,000

$20,000,000
$2,000
$4,000
Unlimited
$2,000 $15,000
Unlimited
$1,000
$5,000
Unlimited
$1,000
$5,000

N/A
N/A
$400
N/A
N/A

$300
N/A
N/A
$200
$200

HCF Insurance
multitrip.com.au
multitrip.com.au
RACQ
RACV

your guide to product excellence

# Limits indicated are for per adult insured
Report Date: August, 2014 (All information correct as at 1 June 2014)

TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 187