FULLY IEC COMPLIANT
All of our policies are fully IEC Compliant and include Medical Care, Hospitalisation and Repatriation as per IEC Visa Requirements
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.
What’s Included
Choose between our International and Medical Only Travel Insurance plans to make sure you get the cover you need.
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International This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas 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*$2,000 Emergency 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*$1,000 For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist. Additional expenses* $Unlimited Additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes. Amendment or
cancellation* costs$10,000 If 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* $1,100 Cover 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* $100 Cash which is lost or stolen from your person Rental Car Insurance Excess* $4,000 Cover 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* $1,000 Additional 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* $8,000 Covers 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* $10,000 Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons -
Medical Only This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas 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. Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons • Emergency dental
expenses*$2,000 Emergency 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*$1,000 For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
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International This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas 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*$2,000 Emergency 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*$1,000 For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist. Additional expenses* $Unlimited Additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes. Amendment or
cancellation* costs$10,000 If 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* $1,100 Cover 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* $100 Cash which is lost or stolen from your person Rental Car Insurance Excess* $4,000 Cover 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* $1,000 Additional 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* $8,000 Covers 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* $10,000 Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons -
Medical Only This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas 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. Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons • Emergency dental
expenses*$2,000 Emergency 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*$1,000 For 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 PDSDOWNLOAD THE NZ PDS
IEC travel insurance is provided by Cover-More.
Download the Product Disclosure Statement (PDS) for full details on coverage, benefits, and terms.