Insurance for Australia: travel, Working Holidays and OSHC

IATI Estrella pays actual costs, subject to sublimits and exclusions. A €20 million aggregate limit applies across all insured people affected by the same event; this is not an individual limit.

CAP Working Holiday limits and medical assistance conditions vary by option.

Viaje Premium pays actual costs, subject to sublimits and exclusions. Medical assistance is limited to 180 consecutive days from the incident; that is not the maximum trip length.

The wording excludes medical or pharmaceutical expenses below €10. This does not establish a general medical excess: confirm your out-of-pocket costs in the quote.

No medical excess on Complete does not mean every benefit is excess-free.

If selected, you pay the first €100 of each medical claim. Confirm your chosen option in the policy schedule.

Theft and loss attributable to the carrier, subject to the covered causes. Petty theft is limited to €200; simply misplacing an item is not covered. Check per-item sublimits.

Loss or damage attributable to the carrier and theft in the defined circumstances. Petty theft and simply misplacing an item are excluded.

Checked baggage: permanent loss, serious damage or theft attributable to the carrier. Other theft claims are subject to conditions; not every misplaced item is covered. An optional €100 excess applies if selected.

Arranged by the assistance service. Special air ambulance transport is limited to Europe and countries bordering the Mediterranean; this does not mean air ambulance transport from Australia is included.

Transport appropriate to the medical circumstances. Special air ambulance transport is limited to Europe and countries bordering the Mediterranean.

Medical transport as decided by the medical team. Special air ambulance transport is limited to Europe and countries bordering the Mediterranean.

Diving to 20 m and hiking under the listed conditions. Some adventure and snow activities require an optional add-on. Competition and professional participation are excluded.

Diving shallower than 30 m, subject to the policy. Activities must not be the main purpose of the trip, professional participation or competition. Check the excluded activities.

Includes surfing, hiking and diving shallower than 20 m, subject to conditions. These must not be the main purpose of your trip. Professional participation and competition are excluded.

Travel assistance operates separately from sales support. Check the assistance language and contact details in your policy documents.

Spanish-language assistance and teleconsultation through the product's assistance channels. These are separate from sales support; confirm any English-language service you need before buying.

Travel assistance and medical advice through the product's assistance channels. Sales enquiries have separate opening hours. Check the languages available for your policy.

Pre-existing conditions: only initial emergency treatment for an unforeseeable, life-threatening complication, within the first 24 hours of care. Check the alcohol, drug and sports exclusions.

Complete provides up to €50,000 for emergencies involving an aggravation of a pre-existing condition; Basic limits initial treatment. This is not comprehensive cover for pre-existing conditions. Alcohol, drugs and professional sporting activities are subject to exclusions.

Pre-existing conditions: only initial emergency treatment for an unforeseeable, life-threatening complication, within the first 24 hours of care. Check exclusions for alcohol, drugs, prior events and sports.

Do not choose IATI Estrella for manual farm or construction work without written clarification of the applicable clauses.

Express cover for picking, packing or construction has not been established. Confirm duties, machinery, heights and benefits in writing: the Working Holiday name alone does not prove work-related cover.

Express cover for farming, picking, packing or construction has not been established for Viaje Premium. Ask for written confirmation; medical assistance is not the same as professional liability cover.

Only trips starting or ending in Spain, according to the product information. Professional liability is excluded.

A €150 excess applies to each personal liability claim. Professional liability is excluded.

Liability arising from work or professional activities is excluded. Check the policy schedule.

Subject to eligibility and rules for trips already underway. For a six- or twelve-month stay, confirm that Estrella accepts your full travel dates before paying.

Subject to product and residence requirements. CAP Working Holiday offers periods of 3–24 months; confirm the option, dates and when cover actually starts.

Temporary Viaje Premium cover, distinct from Larga Estancia: trips up to 365 consecutive days under this wording. Confirm your eligibility and quote for six or twelve months.