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Travel insurance

Know your worth! Switch to travel insurance through the Better Big Bank

Why choose travel insurance through us?

Insurance you can rely on is worth its weight in gold.
And when it’s arranged by Australia’s Most Trusted Bank^, you can be confident it’s insurance worth having.

24/7 emergency assistance helpline

Speak to our expertly trained staff, either at the time when you need help, or when you return home to Australia.

Protect against travel cancellations and delays

Cancellations and rescheduling are covered whilst delays are protected with our gold and silver plans.

Looking after your health needs

Extensive cover options for overseas medical and hospital across a range of plans. We also automatically cover more than 40 pre-existing conditions1.

You're in capable hands

Australia’s Most Trusted Bank^ has partnered with IAG, Australia and New Zealand’s largest general insurer.

Tailor your travel insurance to your needs

Enjoy competitive travel insurance premiums with a range of terrific features. Conditions, restrictions or exclusions may apply. Read our Travel Insurance PDS for complete details.

International medical costs

If you need to see a doctor, or there is an emergency and you need to see a dentist or are admitted to hospital while overseas for conditions covered by your policy, costs will be covered.

Travel cancellations

If your flights or travel plans are suddenly cancelled due to unforeseen circumstances beyond your control, you will be reimbursed for your prepaid flights and accommodation.

Hire car damage

If you're renting a car on holidays and get in an accident, your rental insurance excess is covered with our Gold, Silver and Domestic plans.

Travel delays

Travel delays, weather complications or accidents can impact your plans, but your accommodation and travel costs will be covered with our Gold and Silver plans.

Lost luggage or passport

If you lose your luggage or travel documents, we can provide cover for the cost of replacements.

Medical conditions

Our travel insurance covers a range of more than 40 pre-existing conditions as listed in the Product Disclosure Statement (PDS) and we may cover other conditions if you apply for additional cover for them.

Important travel alert: information regarding COVID-19


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A better holiday

Travel your way. Choose the cover you need.

Read our Travel Insurance PDS for complete details and to compare cover options.

International travel

If your travel plans are disrupted, you get sick or have an accident when you're overseas, travel insurance can help you get the assistance you need.

Choose your cover:

  • Gold - premium cover with unlimited emergency expenses in certain circumstances, unlimited unexpected overseas hospital and medical costs
  • Silver - mid-level cover, with plenty of benefits including unlimited unexpected overseas hospital and medical costs
  • Bronze - basic cover that includes unlimited unexpected overseas hospital and medical costs with some exclusions
  • Annual Multi-Trip - top-up level cover for multiple international trips within one year

Get covered today and set off knowing your travel insurance is sorted.

Australian holidays

You'll enjoy exploring Australia just a little bit more when you know what you're covered for:

  • - Unforeseen changes to your travel plans, including the costs of cancelling flights
  • - Accidental death and disability in certain circumstances
  • - Rental vehicle cover (on some plans)
  • - Loss of luggage

Why wait? Take a few minutes to get a quick online quote.

Ski/snowboard holidays

If you get into a skiing or snowboarding accident, it pays to be covered with optional extras including:

  • - Option to cover the Costs of replacing your snowboard, skis and other snow equipment if yours is damaged or stolen up to $2,000
  • - Medical and emergency dental cover if you have an accident while skiing or snowboarding

Cruise holidays

Sail the seas with peace of mind enjoying optional cruise holiday cover.

Get optional cruise cover that protects you for:

  • - Medical and emergency dental treatments necessary while overseas
  • - Replacement of certain items that are lost, stolen or damaged
  • - Cover for cancelled or rescheduled day trips and additional outings due to unforeseen circumstances
  • - Cover for cabin confinement as a result of sickness or injury
  • - Cover for reasonable additional accommodation and travelling expenses due to missed cruise departures

Cruise cover is a must-have option for your next holiday.


Optional extra cover for valuables

Better protect your valued possessions with specific optional cover in case they’re damaged or stolen.

Including (but not limited to): bikes, golf clubs, surfboards, cameras, jewellery and phones.
Don't risk your valuables on holiday. Help make sure they are covered and have a great time.

Easy to deal with, ready to help.

Get a quick quote online or if you prefer, speak to our dedicated insurance team over the phone today. Call 1300 557 155 between 8am-8pm (AEST/AEDT) weekdays. The team are insurance specialists who can support you directly and make sure you’ve got the level of cover you need. To make a claim call 132 480.


Here's the answers to the most common questions about travel insurance from Bendigo Bank

The below information, relating to the CGU Travel Insurance product, about coronavirus (COVID-19) will be regularly updated to reflect our latest understanding about the virus and its impact.

For policies purchased prior to 23 January 2020
You are covered for medical expenses related to the coronavirus as your policy was purchased prior to the 23 January 2020. The extent of your cover will depend on the particular policy you have purchased.

We will accept cancellation and rescheduling expenses where the Australian government has upgraded travel advice to “Do Not Travel” that coincides with the planned travel period for a destination. This applies to claims where the travel period is within 3 months of you contacting us. For anything booked further in advance we would assess travel restrictions closer to the travel period.

For policies purchased on or after 23 January 2020
There is no cover for losses or expenses to COVID-19 from 23 January 2020 onwards – as this was considered to be a known event following DFAT advice regarding the emergence of the coronavirus in Wuhan, China.

The policy excludes cover if your certificate of insurance was issued after an alert or warning was made regarding an outbreak or possible outbreak of a human pandemic, epidemic or any other outbreak of infectious disease. All other coverage applies as per the terms and conditions of the Product Disclosure Statement.

Policy Cancellation
We allow all customers to cancel their policies at any time, including:
• within the 21 day “cooling off” period, we refund the full premium,
• After the 21 day “cooling off” period, we refund the unused portion of the policy (less an admin fee)

Emergency assistance
We provide a 24-hour emergency assistance hotline for you to call if you have any difficulties while travelling. Call from anywhere in the world to speak with a highly trained, multilingual consultant (we accept reverse charges for overseas calls), or email
For emergency travel insurance assistance, please call our 24-hour emergency assistance hotline:

Within Australia: (02) 8895 0698
While overseas: +61 2 8895 0698

For all non-emergency claims, please contact CGU upon your return to Australia.

Making a travel insurance claim
Simply call CGU Insurance on 13 24 80

Once your claim is lodged with CGU, we will allocate a case manager who will contact you regarding next steps. Your case manager will keep you informed about the progress of your claim.
We will assess any claims for travel cancellation and luggage damage.
We will inform you of any excess payable when you lodge your claim.

Travel Advice and Information
Please contact your travel provider prior to cancelling any upcoming travel arrangements. Your travel provider may be able to assist with options and potential changes in services enabling rearranging your travel or providing credits or refunds depending on when you are due to depart.

For full information relating to the COVID-19 outbreak please refer to the Australian Government's Smart Traveller website for more information on the risks and advice on the preventative measures

This information must be read in conjunction with the Product Disclosure Statement (PDS) and is subject to terms, conditions, limits, and exclusions. These terms, conditions, limits and exclusions are detailed in the PDS.

Emergency Assistance Hotline support is available 24/7 which may include:

  • Help securing travel information
  • Referral to resources for legal advice
  • Help with recovering lost items
  • Medical advice from a medical professional
  • Referral to appropriate doctors, hospitals and specialists in your location
  • Transfer back to Australia when medically necessary

If you need to cancel your flights, or you cannot travel due to unforeseen circumstances beyond your control, your lost costs paid in advance will be reimbursed and you'll be reimbursed for loss of your frequent flyer points if you paid via points. If your flight is delayed or interrupted for over 6 hours outside of your control, costs of additional accommodation, meal or alternative transportation will be covered. Limits, restrictions and conditions apply, see PDS for full details.

More than 40 pre-existing medical conditions are covered, as detailed in the Product Disclosure Statement (PDS). These include migraine, gastric reflux, eczema, glaucoma, sleep apnoea, hormone replacement therapy, and more. You can also complete an online medical assessment to apply for additional cover we may provide for other pre-existing conditions.

If you are a temporary resident of Australia with an Australian visa, you may still be able to get travel insurance. However, temporary residents on tourist or working holiday visas are not eligible. Please see the Product Disclosure Statement (PDS) for eligibility and further information.

Things you should know

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

¹ Conditions, restrictions or exclusions, and options and benefit limits may apply. Read our Travel Insurance PDS for complete details.

Bendigo and Adelaide Bank Limited (Bendigo Bank) ABN 11 068 049 178, AFSL 237879 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations available on this website.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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