Your travel insurance options

Every trip is different, so at Columbus we don't offer one-size-fits-all travel insurance. You can choose between two levels of cover plus a range of optional extras to suit your travel style and budget. Plus all our policies are available as Annual Multi Trip cover, which can work out cheaper if you travel a lot.

On this page you can:

  • check our cover limits
  • compare Single Trip and Annual cover
  • find out about our Adventure Pack and Winter Sports options
  • learn about our pregnancy cover and cover for pre-existing medical conditions

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Please keep in mind that all the information on this page is just a summary and that certain terms, conditions and exclusions apply. For full details read our PDS and Policy Wording.

Our Cover Limits

Cover Section Standard Cover Premier Cover
24hr Emergency Medical Assistance Included Included
Overseas Medical Expenses & Emergency Repatriation $25 million  $25 million
 -  Dental Expenses Limit $500 $1,000
Cancellation & Curtailment $10,000 $20,000
Personal Baggage $7,500 $10,00
-  Single Article Limit $750 $750
-  Valuables Limit (in total) $750 $750
-  except for Personal Computers, Video Recorders or Cameras where the total and per article limits are $3,000 $3,000
Delayed Baggage $500 $1,000
Personal Money & Travel Documents $2,000 $3,000
 -  Cash Limit $250 $500
Personal Accident Benefit $50,000  $75,000 
Personal Liability $2.5 million $5 million
Legal Advice and Expenses $50,000 $75,000
Hospital Cash Allowance $3,000 $6,000
-  Daily Amount $50  $100 
Travel Delay $1,500 $2,000
-  Trip Abandonment $10,000 $20,000
Missed Departure $2,000 $2,000
Rental Vehicle Excess Waiver $4,000  $5,000 
Hijack $7,500 $7,500
 -  Hijack Daily Amount $250 $250
Catastrophe $1,250  $1,250 
Optional Winter Sports Cover:    
Policy extended to cover Winter Sports
(as above) (as above)
Piste Closure $500 $500
 -  per day $50 $50
Delay due to Weather Conditions $750 $750
Ski Equipment $750 $750
-  Owned $750 $750
-  Hired $500 $500
Ski Hire $500 $500
Ski Pack $500 $500
Other Optional Extras:    
Sports/Leisure Activities Pack Available Available
Pregnancy extension Available Available
Other Policy Features:    
Pre-existing medical conditions cover Screening available Screening available
Excess $150  $100 

Compare Single Trip and Annual Multi Trip

Feature Single Trip Annual Multi Trip
Trip duration 1 day - 12 months 60 days max. per trip
No. of trips covered 1 Unlimited
Destination Available for international trips Choose between Worldwide / Worldwide excluding Canada and USA
Number of travellers 1-8 (group policies up to 40), 5%** discount on policies with 2 or more adult travellers, up to 5 dependent children go free*** 1-8, 25%** discount on policies with 2 or more adult travellers, up to 5 dependent children go free***, group/family members on the same policy are also covered while travelling separately
Available options Winter Sports Cover, Sports/Leisure Activities PackPregnancy Extension Winter Sports CoverSports/Leisure Activities Pack

** Based on individual rates, automatically included in the normal insurance premium for policies with multiple insureds.

*** When named on the policy, up to three children (aged 2-18) and up to two infants (under 2 years) go free when travelling with their parent or grandparent. (Excludes any optional cover for pre-existing medical conditions)

Please note that the benefits we’ve listed below are just a summary – to really understand what you’re covered for it’s important that you read our full policy wording including terms, conditions and exclusions.