Travel safe, travel happy.



We're there when you need us

If your stuff is lost or stolen

We offer cover for luggage, cameras and more.

If you get sick or injured

We offer cover for unexpected overseas medical and hospital expenses.



If there’s an emergency

Receive 24/7 emergency assistance by calling CGU on (02) 8895 0698 (international +61 2 8895 0698).

Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the full list of product features.

Great benefits

Overseas medical

If you need unexpected medical or emergency dental treatment while overseas.


We offer cover for unrecoverable costs as a result of cancelling your flights/accommodation.

Rental vehicle cover

If you have an accident in your rental car, we offer cover for the vehicle’s insurance excess (only available on some plans).



Travel disruptions

If you lose your passport, have an accident or experience severe weather, get cover to help with accommodation and travel expenses.



Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the full list of product features.

Your travel cover, your way.


There are four levels of cover to help suit your needs and budget:

  • Platinum: top-level cover with unlimited unexpected overseas hospital and medical costs, unlimited emergency expenses in certain circumstances and many other great benefits

  • Premium: mid-level cover, including unlimited unexpected overseas hospital and medical costs and many other benefits

  • Essentials: affordable basic cover that includes unlimited unexpected overseas hospital and medical costs

  • Annual Multi-Trip: platinum level cover for multiple international trips within 12 months

When you’re travelling around Australia, enjoy peace of mind knowing you have cover for:

  • cancelled or rescheduled plans due to unforeseen circumstances

  • damaged or lost luggage and travel documents (up to $15,000)

  • certain emergency expenses

  • accidental death and disability in certain circumstances

Optional Cover

Hitting the slopes? Enjoy your adventure with peace of mind by choosing optional extra cover for snow holidays including:

  • medical and dental cover if you have a skiing or snowboarding accident

  • costs for hiring skis or board if yours is damaged in transit

  • replacement of your snow equipment if yours is lost, damaged or stolen

If you’re heading on a cruise, we have optional cruise cover available for your grand voyage. Including:

  • cover for every country you visit - when listed on your policy

  • medical and emergency dental cover if you have an accident

  • cover for cancelled or rescheduled extra activities and day trips

  • replacement of certain items that are lost, stolen or damaged

  • costs for returning home if it’s deemed medically necessary

If you're taking important items with you, you can choose to add extra cover for items, such as:

  • cameras

  • bicycles

  • ski and snowboarding gear

  • golf clubs

Conditions apply to all cover types. Please see the Product Disclosure Statement (PDS) for full terms and conditions and view Target Market Determination (TMD).



Get your travel cover today

Answer a few simple questions to get a quote in just two minutes. 

Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).





Common questions

Got questions about travel insurance? We’ve got the answers.

If you need to cancel your flights due to unforeseen circumstances, we’ll reimburse you the purchase cost. If you used frequent flyer points, you will be paid the value of those points. If your flights are delayed or interrupted for over 6 hours outside of your control, we’ll cover additional accommodation, meals and expenses incurred while you wait.

Cover is available for 44 pre-existing medical conditions, as listed in the Product Disclosure Statement (PDS), at no additional cost. To find out if your condition is covered, we’ll ask you questions when you get a quote. If your condition is not on the list, you may need to complete a medical assessment.  

Call us for assistance on 1300 362 216.

This depends on the level of cover purchased. You can choose to increase this level by specifying individual items on your policy (at an additional premium cost).

Cover is only provided for unexpected complications.

If your pregnancy was medically assisted or there are complications, you will need to complete a medical assessment to determine if cover is available.

If you are more than 24 weeks pregnant, you won’t be covered for any medical treatments required due to your pregnancy. Please check with your doctor before arranging travel plans.

If you are a temporary resident of Australia with an Australian Visa, you can still get travel insurance. (Cover is not available for temporary residents on tourist or working holiday visas.) Please see the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for eligibility and further information.



Insurance you can trust

Backed by CGU

We’re backed by CGU, one of Australia’s most trusted insurers, with more than 165 years of experience.

Making a claim

CGU is ready if you need to claim.
Call CGU on (02) 8895 0698 (international +61 2 8895 0698) and a CGU claims consultant will help you all along the way.

Community focused

CGU believes in contributing to our local communities, and we’ve raised thousands of dollars for worthy causes.

Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090, AFSL 234 536 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 Product Disclosure Statement and Target Market Determinations from