Travel Insurance

Wherever you’ll be – land, air or sea

You can never know what’s going to happen when you’re away, even if you’re travelling in familiar territory. So it makes good sense to protect yourself with travel insurance and minimise the costs if something should go wrong.

Heritage Bank can provide cover for a single holiday or ongoing coverage for the frequent traveller. Some of the benefits include:

  • unlimited cover for overseas medical expenses
  • the ability to cover accompanying dependants under 25
  • cover in case your travel is delayed, cancelled or rescheduled
  • cover for stolen travel documents and lost, damaged or stolen luggage or personal items
  • cover for additional travel/accommodation expenses incurred during your journey due to sickness or injury
  • rental vehicle excess cover
  • personal liability cover
  • Worldwide 24/7 emergency assistance.

Choose from four levels of travel insurance cover

Comprehensive Plan*
The Comprehensive Plan provides our highest level of cover. It includes 19 travel and medical benefits – along with options to purchase cover for additional benefits – under a single international trip policy for you and your family. Among these benefits are emergency medical, delayed travel and cancellation expenses, loss or damage to luggage and personal effects, plus much more.

Domestic Plan*
As the name indicates, this cover is ideal if you’re travelling in Australia only. The Domestic Plan under a single trip policy can protect you for trips of up to 365 days, including cover for delays, cancellations and loss or damage to luggage and personal effects.

Essentials Plan*
Designed with the budget-conscious traveller in mind, this plan covers international emergency assistance, overseas medical care, luggage and personal effects and personal liability.

Multi-Trip Plan*
A great value plan for the frequent traveller, providing cover for multiple trips ( up to the maximum journey period chosen by you) during the 12 month policy period for overseas and domestic travel.

Apply today
It only takes a few minutes to get the cover you need before you head away, so don’t delay.

Apply online, call us on 13 14 22 or visit any Heritage Bank branch.

Heritage Bank ABN 32 087 652 024 AFSL/Australian Credit Licence Number 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Allianz Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance, a member of the global Allianz Group. We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy* terms, conditions, limits, exclusion and underwriting criteria apply and are set out in the Product Disclosure Statement* (PDS). You should read and consider the PDS before applying for this insurance.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.