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Wondering if CGU Travel Insurance is the perfect option for your overseas travel plans? Read on to know more about the key features of CGU Travel Insurance policies, frequently asked questions and general exclusions that you should know about.

About CGU

CGU is one of Australia’s largest commercial, rural and personal insurance companies. It has been operating in Australia for almost 160 years and is part of Insurance Australia Group (IAG). The company manages around 350,000 claims every year and on average pays 98 per cent of the claims it receives. Along with travel insurance, CGU also offers car insurance, home insurance and life insurance solutions to its customers.

Cover information and limits in the table below verified as correct at 29 March 2024. Other information correct at the time of writing.

CGU travel insurance plans

CGU offers four levels of international cover so that depending on the kind of trip you are planning you can opt for a policy that matches your travel needs. Do remember that based on your destination you may need to go with a minimum level of cover for adequate protection. Here’s a snapshot of CGU travel insurance plans that you can choose from:

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • $15,000

    • $3,000

    • $15,000

    • Unlimited

    • $1,000

    • $1,000

    • $1,000

    • $1,000

    • $1,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Premium

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • $25,000

    • $7,500

    • $25,000

    • Unlimited

    • $2,500

    • $3,000

    • $15,000

    • $15,000

    • $6,500

    • $2,000

    • $2,000

    • $2,000

    • $3,000

    • $2,500

    • $2,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Platinum

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $6,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Frequently asked questions about CGU Travel Insurance

Q1. What is included under CGU Travel Insurance covers?

Some of the key inclusions under CGU Travel Insurance are:


Q2. Are pre-existing medical conditions covered under CGU Travel Insurance?

CGU Travel Insurance provides cover for certain pre-existing medical conditions automatically. Some of the conditions, which will be covered provided they are stable and you or anyone else to be covered are not waiting for treatment, results of medical tests or investigations in relation to any of these conditions are, asthma, cataracts, diabetes, epilepsy, gout, hypertension and pregnancy up to and including 24 weeks as long as no complications exist and the conception was not medically assisted. But in case you do have a pre-existing condition, it’s always advisable to read the policy document carefully to understand any specific exclusions or other terms and conditions that could be related to your illness or condition.


Q3. What if I have a medical condition that is not automatically covered under CGU Travel Insurance?

You can add extra cover for a pre-existing medical condition that is not automatically covered under your travel insurance plan. To apply for this option, you will first need to contact CGU for a medical assessment. If your cover is approved, your approval number will need to be listed on your Certificate of Insurance and you will need to pay any additional premium that the insurance provider asks for. Don’t forget that you cannot declare and apply for pre-existing condition cover after you have departed on your journey.  


Q4. What do I do if there is an emergency during my trip?

CGU Travel Insurance is all about keeping you protected while you’re away from home. So if you’re stuck in an emergency while travelling, you can seek support from anywhere in the world through their 24-hour Worldwide Emergency Hotline. The multilingual staff will help you manage any problems or emergencies.


Q5. Is it possible to cancel my CGU Travel Insurance policy?

With CGU Travel Insurance, you’ll have a cooling off period of 21 days from the date that your insurance was confirmed. During this time, if you can cancel your CGU policy you will be eligible to get a full refund of your premium. However, cooling off rights do not apply if you have already started your journey or if you’ve already made a claim.

Exclusions to look out for in CGU Travel Insurance

Even after you’ve read the travel insurance policy features, always remember to carefully comb through the Product Disclosure Statement (PDS) to look for fine print that could be important while filing a claim. Here’s a quick checklist of general exclusions with CGU Travel Insurance policy. A claim could be rejected if it is caused by:


How to make a successful claim with CGU Travel Insurance

Making a claim with CGU Travel Insurance is quite an easy process. You’ll need to submit the completed claim form within 30 days of completing your journey. You’ll also need to attach the following documents along with the form before submitting it:

How is CGU Travel Insurance rated by the Mozo Community?

Read how the Mozo community has rated CGU Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

CGU travel insurance
8.9

Overall 8.9

8.5

Value for money

8.0

Policy coverage

9.0

Customer service

9.0

Claims handling

8.7

Trust

14 Reviews

Recent CGU travel insurance customer reviews Recent CGU travel insurance customer reviews

CGU logo

CGU Travel Insurance review

Overall rating   9 / 10

Excellent travel insurer

CGU was very responsive to our travel claim and, although it was very complex, they were true to their word and paid out our claim. Cons- none really. We took out top cover and we are so glad we did.

Full review

CGU was very responsive to our travel claim and, although it was very complex, they were true to their word and paid out our claim. Cons- none really. We took out top cover and we are so glad we did.

    Value for money   8 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   9 / 10

Less

Anne, Western Australia, reviewed over 2 years ago

CGU logo

CGU Travel Insurance review

Overall rating   8 / 10

Great, friendly and prompt customer service

When my wife got very sick and had to go to hospital in Thailand the service we got from CGU was excellent. They made us feel very safe and kept in contact with us through the whole week. We will always travel with CGU as our insurer.

Full review

When my wife got very sick and had to go to hospital in Thailand the service we got from CGU was excellent. They made us feel very safe and kept in contact with us through the whole week. We will always travel with CGU as our insurer.

    Value for money   8 / 10

    Trust   8 / 10

Less

Daniel, Western Australia, reviewed almost 8 years ago

CGU logo

CGU Travel Insurance review

Overall rating   8 / 10

Great customer service

Paperwork was easily filled in. The customer service person was knowledgeable and courteous. Responded quickly to an enquiry I made to confirm the commencement date of the insurance cover. For an older person with limited business knowledge the...

Full review

Paperwork was easily filled in. The customer service person was knowledgeable and courteous. Responded quickly to an enquiry I made to confirm the commencement date of the insurance cover. For an older person with limited business knowledge the whole process left me feeling like a valued customer.

    Value for money   8 / 10

    Trust   9 / 10

Less

Barbara, Victoria, reviewed over 8 years ago

CGU logo

CGU Travel Insurance review

Overall rating   9 / 10

Personalised service with 1 consultant

Although the initial contact was a little difficult, everything was taken care of at the worst of times for us and there was plenty of follow-up calls to make sure we were OK.

Full review

Although the initial contact was a little difficult, everything was taken care of at the worst of times for us and there was plenty of follow-up calls to make sure we were OK.

    Value for money   9 / 10

    Trust   9 / 10

Less

Ralph, Western Australia, reviewed over 8 years ago

CGU logo

CGU Travel Insurance review

Overall rating   10 / 10

Competitive service

Easily done, reputable company.Also have my motor vehicle & house contents with them.

Full review

Easily done, reputable company.Also have my motor vehicle & house contents with them.

    Value for money   8 / 10

    Trust   8 / 10

Less

Robert, South Australia, reviewed over 9 years ago

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Compare CGU Travel Insurance policies with other Australian insurance companies

Still not sure if CGU Travel Insurance is the right choice for your next overseas trip? Let Mozo’s travel insurance comparison tool make it simpler for you by comparing CGU and other Australian travel insurance providers based on your travel plans. All you need to do is punch in some basic travel details like your destination, travel dates, number and age of travellers, and you’ll get a list of travel insurance plans to choose from.

If you have more questions on overseas travel insurance, check out our detailed guides on topics like pre-existing conditions, seniors travel insurance and family travel insurance. For more thrifty travel tips, head over to our travel section as well the best $20 series where real travellers share their money savvy secrets from around the world.