CUA Travel Insurance

CUA is a provider of travel insurance, savings and transaction accounts, personal and home loans, and other banking and insurance products.

What types of travel insurance does CUA offer?

CUA offers a variety of domestic and international travel insurance products. It has Essentials, Comprehensive, Multi-Trip, Non-Medical and Domestic policies available. 

Varying levels of the Essentials, Comprehensive and Domestic policies are offered depending on whether the travel insurance is for a single person, a couple or family. For an additional premium, the Multi-Trip policy can be purchased to cover a spouse, partner or children provided that they are under 75 years of age.

CUA also allows you to add Snow Insurance and Cruise Insurance as additional benefits to its Comprehensive, Domestic and Multi-Trip travel insurance policies. 

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What does CUA domestic travel insurance cover?

A CUA Domestic travel insurance policy may cover you for lost, damaged or stolen luggage, cancellation fees, rental vehicle excess and legal liability among other things.

Please note that exclusions may apply. For more details about what is and isn’t covered, check out the Product Disclosure Statement (PDS) on CUA’s website.

What does CUA international travel insurance cover?

CUA’s Essentials, Comprehensive and Multi-Trip international travel insurance policies include cover for emergency medical and hospital expenses, lost, damaged or stolen luggage, delayed travel expenses, cancellation fees and legal liability cover.

Please note that exclusions may apply depending on the type of policy you choose and the level of cover, as well as general exclusions. For more details about what is and isn’t covered, check out the PDS on CUA’s website.

CUA Travel Insurance

Yes, CUA’s international travel insurance policies have unlimited cover for overseas medical and hospital expenses under its Comprehensive, Essentials and Multi-Trip policies. It also says that while unlimited means there is no capped dollar sum, the costs and expenses claimed must be reasonable.

The Non-Medical plan does not provide any emergency assistance or cover for medical and hospital expenses.

Remember, various conditions and exclusions may apply and hospital accommodation and CUA says that medical treatment will only be covered by CUA during the 12 month period after the illness appeared or the injury happened. For more information, read CUA’s PDS.

CUA says it will cover you up to a certain amount for replacing, repairing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling. 

Under CUA’s Domestic travel insurance policy, luggage and personal effects may be covered up to $10,000 per individual for single or couple plans and $20,000 for a family plan.

Under CUA’s international travel insurance policy, a Comprehensive travel plan may cover up to $20,000 for a family plan or $10,000 per person for individual or couple plans. An Essentials policy may cover up to $6,000 for a family plan or $3,000 per person for individual and couple plans. CUA’s Multi-Trip and Non-Medical plans cover up to $10,000 per person.

CUA states that sub-limits may apply depending on the type of luggage. Further details are set out in the PDS.

CUA travel insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. CUA says it offers unlimited cancellation cover on its Comprehensive, Domestic, Multi-Trip and Non-Medical plan policies. Read the PDS for more information.

You can purchase a CUA travel insurance policy by first comparing your options with Canstar and then generating a quote online. According to CUA’s website, you can save up to 10% on your premium by purchasing your travel insurance policy online.

You can also apply directly on CUA’s website or visit a CUA branch. If you need help applying, call CUA.

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You can lodge a claim with CUA online or over the phone. 

CUA travel insurance is underwritten by Allianz Insurance. It says you’ll need to have the following information at hand when making a claim:

  • Your policy number and personal details
  • Supporting documentation for your claim (for example your itinerary, receipts, flight details etc.)
  • Bank account details for payment of your claim

Allianz advises it may take between 15 to 30 minutes to submit your claim.

CUA stands for Credit Union Australia and it was founded in 1946 through the merger between three small Queensland-based credit unions.

Today it says it is Australia’s largest customer-owned financial institution. 

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Written by: Eliza Parry-Okeden | Last updated: August 7, 2019