IEP’s Insurance Coverage
*the below policy description refers to Plan A. To review all of the insurance plans available please click here.
Benefits of IEP’s insurance include:
- As an IEP member you’re eligible for exclusive discounts.
- 24 hour international assistance when required.
- Premium levels of cover on the important things.
- Cover while you’re working AND travelling.
- Easily extendable for up to two years – simply email or call IEP.
- IEP can assist you with claims.
- Some pre-existing conditions are covered.
- The policy is actually issued by IEP, and is therefore supported by the expertise of specialist insurance-trained IEP staff.
What Is Covered – Quick Reference Guide
- Medical and hospital costs unlimited.
- Emergency dental treatment up to $1,000.
- Baggage if lost, damaged or stolen up to $8,000
- Camera, video and laptop are automatically covered up to $3,000
- You can buy extra cover for more expensive individual items (except jewellery) up to $5,000 in total
- Travel costs if you have to change your travel because you fall ill, or an immediate relative falls ill or dies, or you are delayed by weather or strikes
- Cancellation costs if you have to cancel because you or an immediate relative fall ill or die.
- Purchase of essential items if your luggage is delayed.
- Terrorism, except for cancellation fees, travel delays and alternative transport expenses.
- Lots of other things – check out the brochure!
What Is Not Covered
- Pre-existing illnesses (including asthma, epilepsy), unless you have declared them when you take out the policy – you may have to pay an extra premium.
- Everything when you are drunk or under the influence of illegal drugs.
- Everything that is a result of you breaking the law, including your visa requirements
- Medical treatment resulting from depression or mental illness.
- Baggage left unsupervised in any public place (like a plane or bus)
- Sporting equipment while in use.
Why You Have To Have It
- Things can go wrong when you’re travelling.
- Many costs, especially medical costs, are much higher overseas.
- Most Australian insurance – Medicare, private health insurance, household contents insurance, credit card insurance – will not apply overseas or will be inadequate.
- It’s a program requirement that you’re properly insured.
- Read the brochure from cover to cover and take it with you.
- Ask IEP before you leave if there’s anything you don’t understand.
- Carry your emergency assistance card with you at all times.
- Check that the dates on your policy certificate match your travel dates
- Leave a copy of your brochure, policy certificate and emergency card at home with Mum and Dad