Travel Insurance Star Ratings

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Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a Domes c CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash "Outstanding Value"Budget DirectComprehensive Unlimited 40,000 1,000UnlimitedUnlimited 15,000 6,000 800InsureandGoGold Cruise Pack Unlimited 100,000 1,000UnlimitedUnlimited 16,000 4,000 1,000NRMA InsuranceDomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NASGICDomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NASGIODomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NAWebjetDomes c Plan Cruise Pack Unlimited 50,000NANANA 1,000NANAZUJIDomes c Plan Cruise Pack Unlimited 50,000NANANA 1,000NANA1Cover Direct InsurancePlan A ‐ Comprehensive Unlimited 50,000 1,000UnlimitedUnlimited 30,000 5,000 500Budget DirectEssen al 25,000NA 1,000UnlimitedUnlimited 10,000 4,000 500FastcoverPlan A ‐ Comprehensive‐ Cruise Pack Unlimited 50,000 1,000UnlimitedUnlimited 15,000NA 500FastcoverPlan E ‐ Standard‐ Cruise Pack UnlimitedNA 1,000UnlimitedUnlimited 10,000NANAFastcoverPlanD‐Comp Snow Cover‐Cruise Pac Unlimited 50,000 1,000UnlimitedUnlimited 15,000NA 500HSBCPlan A ‐ Comprehensive Unlimited 25,000 500UnlimitedUnlimited 15,000 6,000 250InsureandGoSilver Cruise Pack 30,000 75,000 1,000UnlimitedUnlimited 12,000 4,000 500mul tripInterna onal ‐ Premier 20,000 40,000 1,000 25,000Unlimited 12,000 4,000 500mul tripInterna onal ‐ Premier Plus Unlimited 50,000 1,000UnlimitedUnlimited 16,000 4,000 1,000Simply Travel InsurancePlan A ‐ Comprehensive Unlimited 50,000 1,000UnlimitedUnlimited 15,000 6,000 250 Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 396

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a Domes c Cruise24 HourHelplineCancella on Feesand Loss ofDepositComprehensive Unlimited 50,0001300 InsurancePlan C Australia Only‐ Cruise pack UnlimitedAllianz AustraliaDomes c Plan‐ Cruise Pack ANZAustralianAussietravelcoverRepatria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash 1,000UnlimitedUnlimited 24,000 6,000 250 50,000NANANA 15,000NANAUnlimited 50,000NANANA 20,000 6,000 500 20,000 20,000NA 10,000NA 8,000 3,000NABasic ‐ Economy 6,000 20,000 1,000UnlimitedUnlimited 6,000 2,000 250AussietravelcoverPlan A ‐ Economy Unlimited 20,000 2,000UnlimitedUnlimited 10,000 4,000 250Bank of MelbourneDomes c Plan Cruise Pack Unlimited 50,000NANANA 20,000 3,000 500BankSADomes c Plan cruise pack Unlimited 50,000NANANA 20,000 3,000 500CHI Travel InsuranceBasic ‐ Interna onal 6,000 20,000 1,000UnlimitedUnlimited 6,000 2,000 500CHI Travel InsurancePlan A ‐ Comprehensive Unlimited 50,000 2,000UnlimitedUnlimited 16,000 3,000 500CiDomes c (SNR) 30,000 50,000NANANA 10,000 3,000NACommonwealth BankDomes c Plan Cruise Pack Unlimited 50,000NANANA 20,000 3,000 500CovermorePremium ‐ Interna onal Cruise Pack 10,000 40,000UnlimitedUnlimitedUnlimited 12,000 3,000 200Flight Centre Travel Group LimitInterna onal Op ons Plan I 10,000 50,000UnlimitedUnlimitedUnlimited 30,000 10,000 400Flight Centre Travel Group LimitInterna onal Travelsure Plan TI 10,000 40,000UnlimitedUnlimitedUnlimited 12,000 3,000 200Go InsuranceGo Basic ‐ Domes c 10,000NANANANA 5,000NA 200Go InsuranceGo Plus ‐ Domes c 30,000 40,000NANANA 15,000 2,500 ental Worldcare Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 397

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a Domes c CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash Hume BankPlan A ‐ Comprehensive Unlimited 30,000 1,000UnlimitedUnlimited 15,000 3,000 250NABPlan A ‐ Interna onal Unlimited 25,000 500UnlimitedUnlimited 7,500 3,000 250Na onal SeniorsInterna onal Basic 10,000NA 1,000UnlimitedUnlimited 10,000NA 500Na onal SeniorsInterna onal Premium Unlimited 50,000 1,000UnlimitedUnlimited 15,000 4,000 500RAAPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500RACPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500RACQPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500RACVExtra Travel Care Unlimited 50,000UnlimitedUnlimitedUnlimited 8,000 4,000 400RACVTotal Travel Care Unlimited 50,000UnlimitedUnlimitedUnlimited 20,000 6,000 500St.George BankDomes c Plan Cruise Pack Unlimited 50,000NANANA 20,000 3,000 500Travellers ChoiceComprehensive ‐ Interna onal Unlimited 25,000UnlimitedUnlimitedUnlimited 24,000 5,000 250Virgin AustraliaDomes c Unlimited 50,000NANANA 10,000 3,000NAVirgin MoneyAustralia Only 20,000 30,000NANANA 15,000NANAWestpacDomes c Plan Cruise Pack Unlimited 50,000NANANA 20,000 3,000 500American ExpressDomes c 20,000NANANANA 10,000 3,000NABig Sky Building SocietyDomes c Cruise Pack Unlimited 50,000NANANA 15,000 6,000NARAAEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NA Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 398

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a Domes c CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash RACEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NARACQEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NAReal InsuranceComrephensive ‐ Domes c 24,000 24,000NANANA 20,000 5,000 500Travel Insurance SaverAustralian Comprehensive 20,000 20,000NANANA 8,000 3,000NAWoolworthsBasic ‐ Domes c‐ Cruise Pack 10,000NANANANA 10,000NANAWoolworthsComprehensive‐Domes c‐Cruise Pack 24,000 24,000NANANA 20,000 5,000 500 Australian UnityAustralian 20,000 20,000NANANA 8,000 5,000NAHCF InsuranceAustralian Travel Plan 20,000 20,000NANANA 8,000 3,000NAReal InsuranceBasics ‐ Domes c 10,000NANANANA 10,000NANATravel Insurance DirectDomes c 20,000 20,000NA 20,000NA 8,000 4,000 250Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 399

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a South‐Pacific CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash "Outstanding Value"Budget DirectComprehensive Unlimited 40,000 1,000UnlimitedUnlimited 15,000 6,000 800Budget DirectEssen al 25,000NA 1,000UnlimitedUnlimited 10,000 4,000 500InsureandGoGold Cruise Pack Unlimited 100,000 1,000UnlimitedUnlimited 16,000 4,000 1,000Simply Travel InsurancePlan A ‐ Comprehensive Unlimited 50,000 1,000UnlimitedUnlimited 15,000 6,000 250WebjetComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 10,000NA 500ZUJIComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 10,000NA 5001300 InsurancePlan A Comprehensive ‐Cruise pack Unlimited 50,000 2,000UnlimitedUnlimited 15,000NA 5001Cover Direct InsurancePlan A ‐ Comprehensive Unlimited 50,000 1,000UnlimitedUnlimited 30,000 5,000 500Big Sky Building SocietyComprehensive Cruise Pack Unlimited 50,000 1,000UnlimitedUnlimited 15,000 6,000 500Commonwealth BankComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 3,000 500FastcoverPlan A ‐ Comprehensive‐ Cruise Pack Unlimited 50,000 1,000UnlimitedUnlimited 15,000NA 500FastcoverPlan E ‐ Standard‐ Cruise Pack UnlimitedNA 1,000UnlimitedUnlimited 10,000NANAFastcoverPlanD‐Comp Snow Cover‐Cruise Pac Unlimited 50,000 1,000UnlimitedUnlimited 15,000NA 500Go InsuranceGo Basic‐Interna onal‐ Cruise Pack 10,000NA 1,000 40,000,000 40,000,000 5,000NA 200Go InsuranceGo Plus ‐Interna onal‐ Cruise Pack 30,000 40,000 1,500 40,000,000 40,000,000 15,000 2,500 500InsureandGoSilver Cruise Pack 30,000 75,000 1,000UnlimitedUnlimited 12,000 4,000 500mul tripInterna onal ‐ Premier 20,000 40,000 1,000 25,000Unlimited 12,000 4,000 500 Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 400

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a South‐Pacific CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash mul tripInterna onal ‐ Premier Plus Unlimited 50,000 1,000UnlimitedUnlimited 16,000 4,000 1,000Virgin MoneyComprehensive Unlimited 30,000 2,000UnlimitedUnlimited 20,000NA 500WorldcareComprehensive Unlimited 50,000 1,000UnlimitedUnlimited 24,000 6,000 250Allianz AustraliaComprehensive Plan‐ Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 6,000 500American ExpressComprehensive Unlimited 50,000UnlimitedUnlimitedUnlimited 30,000 3,000 500American ExpressEssen al 20,000NAUnlimitedUnlimitedUnlimited 10,000NANAAustralian UnityInterna onal Unlimited 50,000UnlimitedUnlimitedUnlimited 24,000 5,000 500Bank of MelbourneComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 3,000 500BankSAComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 3,000 500CHI Travel InsuranceBasic ‐ Interna onal 6,000 20,000 1,000UnlimitedUnlimited 6,000 2,000 500CHI Travel InsurancePlan A ‐ Comprehensive Unlimited 50,000 2,000UnlimitedUnlimited 16,000 3,000 500CovermorePremium ‐ Interna onal Cruise Pack 10,000 40,000UnlimitedUnlimitedUnlimited 12,000 3,000 200Downunder InsurancePlan A ‐ Comprehensive‐ Cruise Pack 20,000 60,000 1,500UnlimitedUnlimited 10,000NA 500Downunder InsurancePlan A ‐ Premier‐ Cruise Pack Unlimited 60,000 1,500UnlimitedUnlimited 15,000NA 500HCF InsuranceInterna onal Travel Plan Unlimited 50,000UnlimitedUnlimitedUnlimited 24,000 5,000 500HSBCPlan A ‐ Comprehensive Unlimited 25,000 500UnlimitedUnlimited 15,000 6,000 250Hume BankPlan A ‐ Comprehensive Unlimited 30,000 1,000UnlimitedUnlimited 15,000 3,000 250 Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 401

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a South‐Pacific CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash NABPlan A ‐ Interna onal Unlimited 25,000 500UnlimitedUnlimited 7,500 3,000 250Na onal SeniorsInterna onal Basic 10,000NA 1,000UnlimitedUnlimited 10,000NA 500Na onal SeniorsInterna onal Premium Unlimited 50,000 1,000UnlimitedUnlimited 15,000 4,000 500NRMA InsuranceInterna onal Comprehensive 3,000 50,000UnlimitedUnlimitedUnlimited 24,000 4,000 400People's Choice Credit UnionEconomy Unlimited 20,000 2,000 250,000 250,000 7,000 2,000NAPeople's Choice Credit UnionSuper Unlimited 50,000 2,000UnlimitedUnlimited 20,000 2,000NARAAPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500RACVExtra Travel Care Unlimited 50,000UnlimitedUnlimitedUnlimited 8,000 4,000 400RACVTotal Travel Care Unlimited 50,000UnlimitedUnlimitedUnlimited 20,000 6,000 500Real InsuranceBasics ‐ Interna onal 10,000NAUnlimitedUnlimitedUnlimited 10,000NANAReal InsuranceComprehensive ‐ Interna onal 24,000 24,000UnlimitedUnlimitedUnlimited 20,000 5,000 500SGICInterna onal Comprehensive Plan 3,000 50,000UnlimitedUnlimitedUnlimited 24,000 4,000 400SGIOInterna onal Comprehensive Plan 3,000 50,000UnlimitedUnlimitedUnlimited 24,000 4,000 400St.George BankComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 3,000 500Travel Insurance DirectInterna onal Unlimited 50,000 1,000UnlimitedUnlimited 24,000 4,000 250Travel Insurance SaverInterna onal Comprehensive Unlimited 50,000UnlimitedUnlimitedUnlimited 24,000 5,000 500Travellers ChoiceComprehensive ‐ Interna onal Unlimited 25,000UnlimitedUnlimitedUnlimited 24,000 5,000 250Virgin AustraliaComprehensive Unlimited 50,000 4,000UnlimitedUnlimited 10,000 3,000 500WestpacComprehensive Cruise Pack Unlimited 50,000 2,000UnlimitedUnlimited 20,000 3,000 500Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 402

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling on a South‐Pacific CruiseCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash WoolworthsBasic‐ Cruise Pack 10,000NAUnlimitedUnlimitedUnlimited 10,000NANAWoolworthsComprehensive‐ Cruise Pack 24,000 24,000UnlimitedUnlimitedUnlimited 20,000 5,000 500AussietravelcoverBasic ‐ Economy 6,000 20,000 1,000UnlimitedUnlimited 6,000 2,000 250AussietravelcoverPlan A ‐ Economy Unlimited 20,000 2,000UnlimitedUnlimited 10,000 4,000 250Flight Centre Travel Group LimitInterna onal Op ons Plan I 10,000 50,000UnlimitedUnlimitedUnlimited 30,000 10,000 400Flight Centre Travel Group LimitInterna onal Travelsure Plan TI 10,000 40,000UnlimitedUnlimitedUnlimited 12,000 3,000 200People's Choice Credit UnionStandard Unlimited 30,000 2,000 600,000 600,000 10,000 2,000NAPeople's Choice Credit UnionSuper Plus Unlimited 50,000 2,000UnlimitedUnlimited 24,000 3,000NARAAEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NARACPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500RACQPremium Unlimited 50,000UnlimitedUnlimitedUnlimited 15,000 4,000 500Travel Insurance SaverEssen als 30,000 20,000Unlimited 1,000,000Unlimited 10,000 2,000NARACEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NARACQEssen als 2,000 20,000 1,000UnlimitedUnlimited 5,000 500NASureSaveBudget 10,000NA 1,000UnlimitedUnlimited 10,000 4,000 500SureSaveComprehensive Unlimited 50,000 1,000UnlimitedUnlimited 24,000 4,000 500 Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 403

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling to AustraliaCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash "Outstanding Value"MyCoverPlan B ‐ Australia Only Unlimited 50,000NANANA 15,000 3,000NANRMA InsuranceDomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NASGICDomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NASGIODomes c Comprehensive Unlimited 20,000NANANA 16,000 3,000NAWebjetDomes c Plan Unlimited 50,000NANANA 1,000NANAZUJIDomes c Plan Unlimited 50,000NANANA 1,000NANAAllianz AustraliaDomes c Plan Unlimited 50,000NANANA 20,000 6,000 500Budget DirectDomes c 15,000 30,000NANANA 10,000 4,000 500GIOHoliday Travel Insurance Unlimited 50,000 2,000UnlimitedUnlimited 12,000 2,000 500Go InsuranceGo Basic ‐ Domes c 10,000NANANANA 5,000NA 200Go InsuranceGo Plus ‐ Domes c 30,000 40,000NANANA 15,000 2,500 500HBF InsuranceAustralian Plan Unlimited 20,000NANANA 5,000 2,000NAInsureandGoGold Domes c 30,000 30,000NANANA 15,000 4,000 1,000InsureandGoSilver Domes c 20,000 30,000NANANA 10,000 4,000 500MedibankDomes c Plan Unlimited 20,000NANANA 16,000 3,000NASimply Travel InsurancePlan B ‐ Australia Only Unlimited 50,000NANANA 7,500 6,000NASTA TravelComprehensive ‐ Domes c 10,000 20,000NANANA 6,000NANA Report Date: July, 2016. (All informa on is correct as at July, 2016 )Travel Insurance Star Ra ngs 2016 ‐ Page 404

Travel Insurance Star RatingsWe 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.Comprehensive Travel Insurance for a Senior Couple travelling to AustraliaCompanyProduct24 HourHelplineCancella on Feesand Loss atria on andEvacua onExpensesOverseas Medicaland HospitalExpensesLuggage andPersonal EffectsRentalVehicleExcessThe ofCash Virgin AustraliaDomes c Unlimited 50,000NANANA 10,000 3,000NAWorldcareAustralia Only Unlimited 50,000NANANA 10,000 6,000 5001300 InsurancePlan C Australia Only Unlimited 50,000NANANA 15,000NANA1Cover Direct InsurancePlan D ‐ Domes c Unlimited 50,000NANANA 30,000 5

CHI Travel Insurance Basic ‐ Interna onal 6,000 20,000 1,000 Unlimited Unlimited 2,000 500 CHI Travel Insurance Plan A ‐ Comprehensive Unlimited 50,000 2,000 Unlimited Unlimited 16,000 3,000 500 Ci