Luggage & personal effects are covered under all plans except for Medical Only, but individual limits apply to each item as per the table below, and depreciation applies if you claim.
|Items||All Plans (Except Medical Only)||Essentials|
|Personal Laptops, video recorders or cameras||$3,000||$2,000|
|Mobile phones and tablets, (including PDA's and any other item with phone capabilities)||$1,000||$1,000|
|All other items||$750||$750|
If you have an item that you’d like to insure for a higher limit, and you don’t want depreciation to apply, we have the option for you to specify high value items up to $5,000. However, high value items have to be less than 12 months old, and you should have the original receipt. You also can’t specify jewellery, bicycles, watches and watercraft (other than surfboards).
All you need to do is list each item and its value when you apply for cover.