What We Cover

Our IEC Insurance policy provides International coverage for Australian and New Zealand travellers on a working holiday in Canada. From unlimited overseas medical expenses to personal liability and protecting your belongings, our policy ensures you’re fully covered for a worry-free adventure abroad.

Unlimited Overseas Medical Expenses

Coverage for emergency medical treatments

Emergency
Dental

Immediate dental care for unexpected dental issues

Luggage
& Belongings

Protection for lost, stolen, or damaged items

Car Rental
Excess

Coverage for excess fees on rental car accidents

Travel Delays
& Cancellations

Compensation for unexpected travel disruptions

Additional
Expenses

Cover for unexpected costs during your trip

Personal
Liability

Protection against third-party damages or injury claims

Loss of
Income

Compensation if you’re unable to work due to injury

What’s Included

Choose between our International and Medical Only Travel Insurance plans to make sure you get the cover you need.

  • InternationalThis is a summary of the benefits provided only
    Single TripPlease read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply.
    POLICY BENEFITSLimit per adultSummary of the benefits
    Overseas medical and
    dental
    • Overseas medical
    expenses* (including
    emergency
    repatriation/evacuation)
    $UnlimitedOverseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury.
    • Emergency dental
    expenses*
    $2,000Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth.
    • Ongoing overseas
    medical care*
    $1,000For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
    Additional expenses*$UnlimitedAdditional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.
    Amendment or
    cancellation* costs
    $10,000If the Journey has to be rearranged or cancelled due to an unforeseeable circumstance outside Your control, e.g. illness, accident, extreme weather conditions, exam resit or retrenchment.
    Luggage and travel documents*Luggage item limits, see page 8. For loss, theft or damage in transit (from or to Australia) or on Side Trips.
    • Luggage$8,000
    • Travel documents$1,000
    Delayed luggage allowance*$1,100Cover for the cost of essential emergency purchases overseas if all Your luggage is delayed by a Transport Provider. Delays of over 24 hours – up to $375. Delays of over 72 hours – up to $750.
    Money*$100Cash which is lost or stolen from your person
    Rental Car Insurance Excess*$4,000Cover for the rental car insurance excess you become liable to pay as a result of damage to, or theft of, a Rental Car
    Travel Delay*$1,000Additional accommodation expenses if your scheduled transport is delayed over 6 hours
    Hijacking*$2,000$500 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle
    Hospital Incidentals*$8,000Covers the cost of miscellaneous expenses incurred up to a given limit per night if you are hospitalised overseas for at least 48 hours
    Loss of Income*$10,000Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia
    Personal Liability*$2,500,000Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons
  • Medical OnlyThis is a summary of the benefits provided only
    Single TripPlease read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply.
    POLICY BENEFITSLimit per adultSummary of the benefits
    Overseas medical and
    dental
    • Overseas medical
    expenses* (including
    emergency
    repatriation/evacuation)
    $UnlimitedOverseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury.
    • Emergency dental
    expenses*
    $2,000Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth.
    • Ongoing overseas
    medical care*
    $1,000For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
  • InternationalThis is a summary of the benefits provided only
    Single TripPlease read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply.
    POLICY BENEFITSLimit per adultSummary of the benefits
    Overseas medical and
    dental
    • Overseas medical
    expenses* (including
    emergency
    repatriation/evacuation)
    $UnlimitedOverseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury.
    • Emergency dental
    expenses*
    $2,000Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth.
    • Ongoing overseas
    medical care*
    $1,000For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
    Additional expenses*$UnlimitedAdditional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.
    Amendment or
    cancellation* costs
    $10,000If the Journey has to be rearranged or cancelled due to an unforeseeable circumstance outside Your control, e.g. illness, accident, extreme weather conditions, exam resit or retrenchment.
    Luggage and travel documents*Luggage item limits, see page 8. For loss, theft or damage in transit (from or to Australia) or on Side Trips.
    • Luggage$8,000
    • Travel documents$1,000
    Delayed luggage allowance*$1,100Cover for the cost of essential emergency purchases overseas if all Your luggage is delayed by a Transport Provider. Delays of over 24 hours – up to $375. Delays of over 72 hours – up to $750.
    Money*$100Cash which is lost or stolen from your person
    Rental Car Insurance Excess*$4,000Cover for the rental car insurance excess you become liable to pay as a result of damage to, or theft of, a Rental Car
    Travel Delay*$1,000Additional accommodation expenses if your scheduled transport is delayed over 6 hours
    Hijacking*$2,000$500 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle
    Hospital Incidentals*$8,000Covers the cost of miscellaneous expenses incurred up to a given limit per night if you are hospitalised overseas for at least 48 hours
    Loss of Income*$10,000Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia
    Personal Liability*$2,500,000Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons
  • Medical OnlyThis is a summary of the benefits provided only
    Single TripPlease read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply.
    POLICY BENEFITSLimit per adultSummary of the benefits
    Overseas medical and
    dental
    • Overseas medical
    expenses* (including
    emergency
    repatriation/evacuation)
    $UnlimitedOverseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury.
    • Emergency dental
    expenses*
    $2,000Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth.
    • Ongoing overseas
    medical care*
    $1,000For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
Eligibility criteria and conditions apply. Limits, sub-limits, conditions and exclusions apply. *Medical cover will not exceed 12 months from the onset of the illness or injury. Limits, sub-limits, conditions and exclusions apply. An excess may apply.

Refer to the Policy Wording pages 24-59.
DOWNLOAD THE AUS PDS

IEC travel insurance is provided by Cover-More.
Download the Product Disclosure Statement (PDS) for full details on coverage, benefits, and terms.

DOWNLOAD THE NZ PDS