This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Expacare
This is Expacare's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Expacare — Young Traveller Plan Fact File 2026 — showing every published column.
From the insurer's published documents
| Young Traveller Plan | ||
|---|---|---|
| Benefit | Young Traveller | Young Traveller PLUS |
| Overall policy limit | USD 2,500,000 | USD 3,000,000 |
| Core Cover | ||
| Benefit | Young Traveller | Young Traveller PLUS |
| In-patient and day-patient hospital services | Covered - Full refund | Covered - Full refund |
| Medical and Surgical Support ServicesAssistance in provider location and coordination of required surgery. | Covered | Covered |
| Emergency medical evacuation | Covered - Full refund | Covered - Full refund |
| Ambulance services | Covered - Full refund | Covered - Full refund |
| Rehabilitation facility | Covered - Up to 14 days | Covered - Up to 14 days |
| Hospice care | Covered - Up to 6 weeks | Covered - Up to 6 weeks |
| Repatriating your body or local burial costs | Covered - Up to USD 12,750 | Covered - Up to USD 12,750 |
| Out of geographic area cover for up to 6 weeks | Covered - Up to USD 100,000 | Covered - Up to USD 100,000 |
| Nursing at home | Covered - Up to USD 4,250 | Covered - Up to USD 4,250 |
| Dental treatment following an accident | Covered - Full refund | Covered - Full refund |
| Post-hospital out-patient treatment (follow up) | Covered - Up to USD 1,275 - Up to 90 days | Covered - Up to USD 1,275 - Up to 90 days |
| Out-patient surgery | Covered - Full refund | Covered - Full refund |
| In-patient psychiatric treatment | Covered - Up to 30 nights | Covered - Up to 30 nights |
| Parent accommodation (when your child is under 18) | Covered - Full refund | Covered - Full refund |
| Organ transplant (excluding donor costs) | Covered - Up to USD 170,000 | Covered - Up to USD 170,000 |
| Organ donor costs | Covered - Up to USD 51,000 | Covered - Up to USD 51,000 |
| Hospital cash benefit | Covered - Up to USD 170 per night | Covered - Up to USD 170 per night |
| Surgical/Medical prostheses and appliances | Covered - Full refund | Covered - Full refund |
| Mobility aids | Covered - Up to USD 850 | Covered - Up to USD 850 |
| CT, MRI and PET scans | Covered - Full refund | Covered - Full refund |
| Kidney dialysis | Covered - In-patient - Full refund - Up to 6 weeksDay-patient/Out-patient - up to USD 68,000 | Covered - In-patient - Full refund - Up to 6 weeksDay-patient/Out-patient - up to USD 68,000 |
| Congenital cover | Covered - Up to USD 170,000 per lifetimeIncludes diagnosis and all ongoing treatment up to the limit. Out-patient treatment for congenital conditions will be subject to the out-patient benefit selected within the congenital limit. | Covered - Up to USD 170,000 per lifetimeIncludes diagnosis and all ongoing treatment up to the limit. Out-patient treatment for congenital conditions will be subject to the out-patient benefit selected within the congenital limit. |
| Palliative care | Covered - Included in all benefits and limits shown | Covered - Included in all benefits and limits shown |
| Treatment for HIV and AIDS | Covered - Up to USD 34,000 | Covered - Up to USD 34,000 |
| Cancer and Chronic | ||
| Benefit | Young Traveller | Young Traveller PLUS |
| Cancer and Chronic | Lifetime limit of USD 85,000 | Full Cover |
| Treatment for cancer | Covered - Within the cancer and chronic aggregate lifetime limit | Covered - Full refund |
| Monitoring and treatment of chronic conditions | Covered - In-patient only - Within the cancer and chronic aggregate lifetime limit | Covered - In-patient - full refund.Out-patient treatment and prescriptions for chronic conditions are subject to the out-patient benefit limits |
| ATMPs for the treatment of cancer or chronic conditions | In-patient and out-patient treatment within the cancer and chronic aggregate lifetime limit. Up to one course of treatment per condition, per lifetime | Up to USD 500,000 per lifetime. For inpatient and out-patient treatment.Up to one course of treatment per condition, per lifetime. |
| Maternity Basic | ||
| Benefit | Young Traveller | Young Traveller PLUS |
| Maternity care (emergency surgery) | Covered - Up to USD 17,000 - Ten month waiting period applies | Covered - Up to USD 17,000 - Ten month waiting period applies |
| Out-patient | ||
| Benefit | Young Traveller | Young Traveller PLUS |
| Out-patient | Maximum Aggregate Limit of USD 2,550 | |
| Consultations and diagnostic services with doctors or specialists | ✗ | Covered - This includes telephone consultations |
| Prescription drugs | ✗ | Covered - Up to USD 850 |
| Vaccinations | ✗ | Covered - As part of the prescription benefit |
| Physiotherapy | ✗ | Covered - Up to 7 sessions |
| Occupational therapy | ✗ | Covered - Up to 7 sessions |
| Complementary therapies | ✗ | Covered - Up to USD 850 |