Hume Bank Travel Insurance
What types of travel insurance does Hume Bank offer?
Hume Bank 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 tailored to cover a spouse, partner or children provided that they are under 75 years of age.
Hume Bank also offers Snow Insurance and Cruise Insurance as additional optional benefits on its Comprehensive, Domestic and Multi-Trip plans.
What does Hume Bank domestic travel insurance cover?
Hume Bank says its Domestic travel insurance policy will cover you for lost, damaged or stolen luggage, cancellation fees, rental vehicle excess and legal liability among other risks.
Please note that exclusions may apply. For more details about what is and isn’t covered, check out the Product Disclosure Statement (PDS) on Hume Bank’s website.
What does Hume Bank international travel insurance cover?
Hume Bank’s Essentials, Comprehensive and Multi-Trip international travel insurance policies cover risks including 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 level of cover, as well as general exclusions. For more details about what is and isn’t covered, check out the PDS on Hume Bank’s website.
Hume Bank FAQs
Hume Bank’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.
Various conditions and exclusions and limits may apply – for example, hospital accommodation and medical treatment will only be covered by Hume Bank during the 12 month period after the illness appeared or the injury happened. For more information, read Hume Bank’s PDS.
Hume Bank 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.
At the time of writing, under a Hume Bank 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 Hume Bank’s international travel insurance policy, at the time of writing, 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. A Multi-Trip and Non-Medical policy covers up to $10,000 per person.
Hume Bank states that sub-limits may apply depending on the type of luggage. Further details are set out in the PDS.
Hume Bank 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. Hume Bank 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 Hume Bank travel insurance policy by first comparing your options with Canstar and then generating a quote online.
You can also apply directly on Hume Bank’s website, over the phone or by visiting a Hume Bank branch.
You can lodge a claim with Hume Bank online.
Hume Bank 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.
Hume Bank was founded in 1955 as the Hume Co-operative Building & Investment Society in Albury. Hume Bank has been operating in the Albury-Wodonga region for more than 60 years. Starting with three employees and 58 customers, today Hume Bank says it operates across Australia, employing 150 staff members and serving over 60,000 customers.