CFMEU Travel Insurance Review

Learn more about CFMEU’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on June 26th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

The Construction, Forestry, Maritime, Mining and Energy Union (CFMEU) is Australia’s peak trade union. It was founded 30 years ago and has about 120,000 members across states such as Queensland, New South Wales and Western Australia. Aside from their day-to-day services, they offer free travel insurance policies to financial members, which are underwritten by AHI.

If you’re a paid-up member of the CFMEU and want to take out a travel insurance policy with them, you can find out more about it with Savvy to see how they fare. You’ll be able to weigh up the benefits and what’s covered (as well as what isn’t) before deciding which is right for you.

Find out more about CFMEU’s travel insurance policies, grab a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent the CFMEU for its travel insurance products.

More about CFMEU travel insurance

What types of travel insurance policies does the CFMEU offer?

The CFMEU offers one travel insurance policy to all its members, including union bosses, workers and other eligible members. The cover only applies while you’re travelling and you can include members of your family in your policy for free, so long as your children are dependent on you and are under 25 years old. You’re also not allowed to take a trip which lasts for more than six months, whether it’s heading to South Africa or South Australia.

This policy covers you for unlimited medical expenses when you’re overseas, any emergency expenses, stolen cash, lost deposits or cancellation and personal liability up to $10 million. The policy also affords you life insurance coverage and pays out $100,000 if you die on your holiday.

Travel Insurance
Overseas medical
Luggage/personal items
Personal liability
$10 million
Rental vehicle excess
Theft of cash
Additional expenses
Kidnapping and extortion
Evacuation cover
Life insurance
Accidental death

Whether you’re taking a trip to Lebanon or just hopping across the border for a getaway in New South Wales, Western Australia or Queensland, purchasing travel insurance is always a must. Finding the right one can be tricky, but comparing with Savvy makes doing your homework easier.

What optional extras are available with CFMEU's travel insurance policy?

The CFMEU’s travel insurance policy doesn’t come with your standard suite of optional extras, such as cruise cover or protection for adventure sports.

What exclusions should I be aware of when buying a travel insurance policy through the CFMEU?

Some of the general exclusions on the CFMEU’s travel insurance policies include:

  1. Claims of permanent disability if you’re over 70
  2. Taking part in competitive or professional sports for a prize
  3. Accidents caused by alcohol or drug use
  4. Breaking local laws
  5. Wilfully travelling to a country against Australian government advice
  6. Illness, injury or death due to an unapproved pre-existing medical condition
  7. Losing personal items left unattended
  8. Pregnancy or childbirth
  9. Claims relating to goods seized by a government authority

Before choosing a travel insurance policy for your next holiday, read the Product Disclosure Statement (PDS). This offers a detailed sense of what's covered.

What we think of the CFMEU’s travel insurance

What we like

Free for CFMEU members

There’s no need to worry about the price of your travel insurance premium on this policy, as it comes free of charge for CFMEU members.

Life insurance and accidental death cover

The CFMEU will pay out up to $50,000 if you die while you’re on holiday and $100,000 if your death is due to a covered accident, which is higher than many insurers.

Generous personal liability cover

The CFMEU provides up to $10 million cover if you’re found personally liable for an accident during your holiday, which is more than double what many other providers offer.

What we don't like

Limited to CFMEU members

While it may be free for CFMEU members, it also means it’s off-limits to those who aren’t members of the union.

Low rental car cover

In most cases, travel insurance providers allow you to claim up to $8,000 if you’re required to pay the excess on a rental car. However, the CFMEU only covers up to $5,000.

High excesses

If you need to file a claim for certain benefits, you’re required to pay a $500 excess, which is around double the amount other providers offer.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

Frequently asked questions about the CFMEU’s travel insurance

Does the CFMEU’s travel insurance cover COVID-19-related costs?

Yes – the CFMEU’s underwriter, AHI, now includes cover for coronavirus-related costs in their travel insurance policies, including pre-trip cancellation and overseas medical expenses. However, they won’t cover the cost of cancellation or rescheduling your trip due to border closures or needing to quarantine.

How do I make a claim on my CFMEU travel insurance policy?

The CFMEU requires you to make a claim on your travel insurance within 30 days of the subject incident occurring. You’ll be required to complete a claim form which also allows you to submit photographs, receipts or relevant reports to substantiate your claim. In most cases, you should get a response to your claim within ten working days and, if approved, it’ll be made to your bank account in Australian dollars.

Does the CFMEU cover pregnancy as part of their policy?

No – the CFMEU’s travel insurance policy doesn’t offer any cover for travellers during any stage of their pregnancy. This is in contrast to most other insurers, who offer protection up to the 24th to 30th week in most cases.

What’s the difference between single-trip, annual and one-way travel insurance policies?

Single-trip travel insurance policies cover you for only one holiday starting and ending in Australia within 12 months, whereas annual multi-trip policies cover you for multiple holidays over the same timeframe. The CFMEU doesn’t offer annual travel insurance policies; however, in most cases, you’re allowed up to between 45 and 90 travel days per trip. On the flip side, a one-way travel insurance policy is designed for those travellers who don’t have a return ticket booked, such as expats travelling overseas or backpackers. You can subsequently extend your coverage by up to 12 months with some insurers.

More travel insurance reviews

CHI Travel Insurance Review 

Learn more about CHI’s travel insurance to find out about their coverage and fees and compare them with other insurers …

RACT Travel Insurance Review 

Read Savvy’s review of RACT’s travel insurance offers to find out about their overseas coverage and fees and compare them …

CFMEU Travel Insurance Review

Learn more about CFMEU’s travel insurance policies to find out about their coverage and fees and compare them with other …

Real Insurance Travel Insurance Review

Learn more about Real Insurance’s travel policies to find out about their coverage and fees and compare them with other …

Australian Unity Travel Insurance Review

Learn more about Australian Unity’s travel insurance policies to find out about their coverage and fees and compare them with …

COTA Travel Insurance Review

Learn more about COTA’s travel insurance policies to find out about their coverage and fees and compare them with other …

Helpful travel insurance guides

Travel Insurance Banner - Woman sitting on a luggage trolley being pushed by her partner with her arm in the air.

Benefits of Travel Insurance

Understand more about the benefits of travel insurance by comparing your options with Savvy. Compare Travel Insurance Quotes in 30...

Travel Insurance Banner - Couple holding hands at the airport looking out over the runway.

Why Do I Need Travel Insurance?

Asking yourself why you need travel insurance for your holiday? Compare with Savvy and understand the benefits. Compare Travel Insurance...

Travel Insurance Banner - Group of happy people drinking together poolside while on holiday.

Best Domestic Travel Insurance

Compare and find the best domestic travel insurance policy for your next Australian holiday. Compare Travel Insurance Quotes in 30...

Travel Insurance Banner - Man looking on his computer at travel insurance.

How Much Is Travel Insurance?

Wondering how much your travel insurance might cost? Compare with Savvy and find out today. Compare Travel Insurance Quotes in...

Travel Insurance Banner - Group of young friends smiling on a ski lift overlooking the snow.

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

Travel Insurance Banner - Young couple smiling in a meeting with a travel insurance broker.

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.