Travel Insurance DirectLevel 13, 87-89 Liverpool Street
World Tower Sydney NSW 2000 Australia
Tel 1 300 882 357 | Fax +612 8236 0444
Travel Insurance Direct
This policy document is also a Product Disclosure Statement (PDS). A PDS is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy.
You can choose one of these covers:
To properly understand this policy’s significant features, benefits and risks you need to carefully read:
When you apply for the policy by completing our application we will confirm with you things such as: the period of insurance, your premium, pre-existing medical conditions and age cover options, specified personal belongings cover, excesses that will apply to you and whether any standard terms need to be varied (this may be by way of an endorsement). These details are recorded in the Certificate of Insurance we issue to you.
The base premium we charge varies according to your risk profile (e.g. the cover type selected, the destination you are travelling to, the period of your journey, other persons to be insured etc).
You will also have to pay any compulsory government charges (e.g. Stamp Duty and GST) where applicable plus any additional charges relating to “additional options” we accept in writing and tell you about. We tell you the total amount payable when you apply and if you effect cover, the amounts due will be confirmed in your Certificate of Insurance.
This policy sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.
You should also read “claims conditions” to understand how GST is applied to a claim.
If you have any queries, want further information about the policy or want to confirm a transaction, please use the Mondial Assistance contact details on the back cover of this policy document.
ETI Australia Pty Ltd, trading as Mondial Assistance, ABN 52 097 227 177, AFSL 245631, is authorised by your insurer Allianz Australia Insurance Limited (Allianz), ABN 15 000 122 850, AFSL 234708 to enter into and arrange the policy and deal with and settle any claims under it, as the agent of Allianz, not as your agent.
Even after you have purchased your policy, you have cooling off period/money back guarantee rights (see “important matters” for details).
Information in the PDS may need to be updated from time to time. You can obtain a paper copy of any updated information without charge by calling Mondial Assistance whose contact details are on the back cover of this policy document. If the update is to correct a misleading or deceptive statement or an omission, that is materially adverse from the point of view of a reasonable person deciding whether to acquire this policy, we will provide you with a new PDS or a supplementary PDS.
This is a summary of cover – exclusions and conditions apply as detailed in the policy wording. Not all Plans have all these benefits – the Schedule of Benefits identifies the benefits for each Plan. Please read the policy document carefully & in full.
| Holiday | Comprehensive | Budget | Multi-Trip | Australia Only | |||||
| Single | Family | Single | Family | Single | Family | Single | Single | Family | |
| 1. Medical Expenses Incurred Overseas | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited |
| 2A. Cancellation Costs | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | $10,000 | $20,000 |
| 2B. Additional Expenses/Medical Evacuation | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | unlimited | $10,000 | $20,000 |
| 2C. Loss Of Income | $10,000 | $20,000 | $10,000 | $20,000 | - | - | $20,000 | - | - |
| 2D. Out Of Pocket Expenses | $6,000 | $12,000 | $6,000 | $12,000 | $6,000 | $12,000 | $6,000 | - | - |
| 2E. Travel Delay | $1,000 | $2,000 | $1,000 | $2,000 | $1,000 | $2,000 | $2,000 | $2,000 | $2,000 |
| 2F. Return Airfare | $3,000 | $6,000 | $3,000 | $6,000 | $3,000 | $6,000 | $3,000 | - | - |
| 2G. Resumption Of Trip | $3,000 | $6,000 | $3,000 | $6,000 | - | - | $3,000 | - | - |
| 2H. Missed Connection | $2,000 | $4,000 | $2,000 | $4,000 | - | - | $2,000 | - | - |
| 2I. Rental Vehicle Insurance Excess | $4,000 | $4,000 | $4,000 | $4,000 | - | - | $4,000 | $4,000 | $4,000 |
| 2J. Return Of Rental Vehicle | $500 | $500 | $500 | $500 | - | - | $500 | $500 | $500 |
| 2K. Domestic Pets | $500 | $500 | $500 | $500 | - | - | $500 | - | - |
| 2L. Trip Disruption | $2,000 | $4,000 | $2,000 | $4,000 | - | - | $2,000 | - | - |
| 2M. Hijacking | $2,000 | $4,000 | $2,000 | $4,000 | - | - | $2,000 | - | - |
| 2N. Alternative Staff | - | - | $3,000 | $3,000 | - | - | $3,000 | - | - |
| 2O. Withdrawal Of Services | $500 | $500 | $500 | $500 | - | - | $500 | - | - |
| 2P. VFR Bonus Accommodation Expenses | - | - | - | - | - | - | - | - | - |
| 2Q. Snow Skiing Piste Closure | $500 | $1,000 | - | - | - | - | - | $500 | $1,000 |
| 2R. Snow Skiing &/or Golfing Benefits | $200 | $400 | - | - | - | - | - | $200 | $400 |
| 2S. Snow Skiing &/or Golfing Equipment Replacement | $200 | $400 | - | - | - | - | - | $200 | $400 |
| 2T. Domestic Services | $500 | $500 | - | - | - | - | - | - | - |
| 3. Accidental Death | $25,000 | $50,000 | $50,000 | $50,000 | - | - | $50,000 | $10,000 | $20,000 |
| 4. Luggage & Personal Effects | $12,000 | $24,000 | $12,000 | $24,000 | $2,500 | $5,000 | $12,000 | $4,000 | $8,000 |
| 5. Personal Liability | $2,500,000 | $2,500,000 | $2,500,000 | $2,500,000 | $2,500,000 | $2,500,000 | $2,500,000 | $1,000,000 | $1,000,000 |
| 6.1. Business Equipment | - | - | $5,000 | $5,000 | - | - | $5,000 | - | - |
| 6.2. Hire Business Equipment | - | - | $1,000 | $1,000 | - | - | $1,000 | - | - |
| 6.3. Recreate Business Documents | - | - | $1,000 | $1,000 | - | - | $1,000 | - | - |
Medical Expenses: medical, emergency dental, hospital and ambulance costs and when agreed by us, medical evacuation home or to the nearest appropriate medical facility. Includes funeral and repatriation of mortal remains.
Cancellation Costs: financial loss due to unforeseen cancellation of pre-paid travel and accommodation arrangements. Includes conference/course fees not refunded as well as travel agency cancellation fees charged.
Frequent Flyer Points: cover extends to pay the equivalent if you lose frequent flyer or equivalent points which you used to purchase your travel.
Additional Expenses: expenses you incur due to you not being able to continue your travel due to the injury or illness of you or one of your travelling companions. Also expenses you incur if your transport is delayed due to severe weather or accident.
Loss of Income: if you cannot return to your usual employment when your travel is completed due to an accidental injury suffered whilst you were away.
Out of Pocket Expenses: cash payments if you are hospitalised.
Travel Delay: meals and accommodation expenses due to transport delay.
Return Airfare: if the major part of your travel has been interrupted by you being hospitalised and you need to be escorted home, reimbursement of your return airfare.
Resumption of Trip: transport costs to resume your travel if you had to return to Australia due to the hospitalisation of a relative.
Missed Connection - Special Events: if your travel is interrupted and you will not
get to a specified event in time, reasonable additional cost of using alternative public transport to arrive at the destination on time.
Rental Vehicle: cover for the rental vehicle excess if you have an accident or your vehicle is stolen, including costs to return a vehicle if you are unfit to do so.
Domestic Pets: additional boarding fees if you are delayed from returning home due to something happening to you that is covered by this insurance, including veterinary fees if your pet is injured whilst you are away.
Trip Disruption: additional transport and accommodation expenses if disaster strikes your home whilst you are away.
Hijacking: loss of prepaid travel if you decide to end your travel following a hijacking incident.
Alternative Staff: if you are travelling on business and due to injury or illness you cannot complete your business commitments, costs to replace you with an alternative employee.
Withdrawal of Services: additional costs you incur if the accommodation you are staying at is affected by industrial action or extended water and electricity supply failures.
Snow Skiing Cover: cover for loss, theft or damage to ski equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your ski equipment and if the resort you are staying at is closed, payment for alternative activities. Includes loss of prepaid lift passes, hire expenses and tuition fees if you cannot ski due to Sudden Illness or Serious Injury.
Golfing Cover: cover for loss, theft or damage of golfing equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your golf equipment. Includes loss of prepaid green fees, hire expenses and tuition fees if you cannot play golf due to Sudden Illness or Serious Injury.
Accidental Death: payment to your estate for accidental death.
Luggage and Personal Effects: accidental loss, damage or theft of your possessions. Includes emergency expenses if your luggage is delayed and losses due to fraudulent use of lost or stolen credit cards, travellers cheques.
Replacement Passport: additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.
Personal Liability: protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.
Business Cover: additional cover for your laptop, mobile phone, palm top and other business equipment including hiring replacement items. Includes costs to recreate business documents and presentations lost or damaged during your travel.
This policy does not automatically provide cover for travellers with a pre-existing medical condition. The term “Pre-existing Medical Condition” has a special meaning. Words With Special Meanings. Based on this special meaning, examples of pre-existing medical conditions would include:
However, this policy automatically covers some pre-existing medical conditions (which must match the definition of the condition as listed below). This means you are covered for these particular conditions without the need to apply for extra cover or pay any additional premium.
If no attack requiring treatment by a medical practitioner in the 12 months prior to the application for this policy , you are not using steroid or preventative medication and you are older than 6 years of age.
If you have no ongoing complications and are not on a waiting list for an operation and have not been operated on in the 30 days preceding this application.
If you were diagnosed over 12 months ago and have not had any complications in the 12 months prior to the application for this policy. You must also have a Blood Sugar Level reading between 4 and 10.
With no current infection.
If there are no underlying medical conditions and you have not required treatment by a medical practitioner for a seizure in the 12 months prior to the application for this policy.
If the condition does not relate to any other underlying diagnosis (i.e. Hernia or Gastric Ulcer).
If the Gout has remained stable for more than 6 months prior to the application for this policy.
If no surgery is planned.
If performed more than 6 months ago prior to the application for this policy and less than 10 years ago.
If you have no known heart conditions and your current Blood Pressure reading is lower than 165/95.
If you have no known heart condition exists and current Blood Pressure reading is lower than 165/95.
Where there is no ongoing treatment or consultation (including physiotherapy), and you have not had to see a doctor or physiotherapist is the 6 months prior to the application for this policy.
Provided you do not suffer from Osteoporosis.
If no complications exist relating to this pregnancy and the pregnancy is not associated with assisted reproduction programs.
If you have a Gleason Score P.S.A. (Prostate Specific Antigen) of 3.0 or less and your journey is 6 months or less.
If not as a result of a tumour.
You are not covered at all for any claim you make which arises from a Pre-existing medical condition suffered by:
Age limits that apply as at date of certificate issue. Standard cover (excluding pre-existing medical conditions) is automatically available to travellers aged less than 71. We have the right to accept or decline cover.
A $4,000 limit applies to your rental vehicle excess cover. You can purchase additional amounts in $500 units up to $2,000. The cost is $25 per $500 unit.
This is your policy. Before you purchase it, please read it carefully. Make sure you understand it and that it meets your needs. If you are satisfied with the cover please retain this policy in a safe place.
Once you have selected your level of cover and paid the premium shown, we will provide you with a Certificate of Insurance, which will entitle you to claim under the policy up to the amount stated in the Policy.
You are free to arrange insurance with any other Insurer of your choice.
Travel Insurance Direct is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708, 2 Market Street, Sydney NSW 2000. It is your Insurer and is referred to as ‘we’ ‘our’ and ‘us’ in the policy document.
ETI Australia Pty Ltd, trading as Mondial Assistance, ABN 52 097 227 177, AFSL 245631 is authorised by Allianz to enter into and arrange the policy and deal with and settle any claims under it, as the agent of Allianz, not as your agent.
Mondial Assistance has been appointed to administer all emergency assistance services and benefits of this insurance. You may contact Mondial Assistance in an emergency 24 hours a day, 7 days a week.
This contract of insurance is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this ‘Jurisdiction and Choice of Law’ clause applies.
Cover is only available for Citizens or Residents of Australia.
If you decide that you do not want this policy, you may cancel it within 14 days after the issue of the Certificate of Insurance to you and you will be given a full refund of the premium you paid, provided you have not started your trip and you do not want to make a claim or to exercise any other right under the policy.
After this period you can still cancel your policy but we will not refund any part of your premium if you do.
To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), call Travel Insurance Direct on 1300 882 357.
Before you enter into this policy with us, the Insurance Contracts Act 1984 requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your insurance. You will be asked various questions when you first apply for your policy. When you answer these questions, you must:
If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which:
You do not need to tell us about any matter that:
Everyone who is insured under the policy must comply with the relevant duty.
If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.
We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry. For more information on the Code, or if you have an enquiry or complaint relating to your policy, contact Mondial Assistance. Please contact Mondial Assistance on 1800 420 032 if you believe we have let you down in our services or any other way.
Our enquiries and complaints manager, who has an independent decision making authority, will normally consider any complaint within 15 business days. If this does not resolve the matter, or you are not satisfied with the way the complaint has been dealt with, you may write to the industry’s independent external complaints scheme: Insurance Enquiries and Complaints Ltd, PO Box 561, Collins Street West, Melbourne Vic 8007. If you require any further information on our dispute resolution process, contact Mondial Assistance.
For claims purposes, evidence of the value of the property insured or the amount of any loss must be kept.
Please complete the claim form and attach supporting ORIGINAL documents, reports, receipts, valuations and other proof of ownership and value or amount of any loss, and send to the below address.
In the event of a claim immediate notice should be given to:
Mondial Assistance
PO BOX 162 TOOWONG QLD 4066
Phone from overseas reverse charge 61 7 3305 7499
Phone within Australia 1800 010 075
Fax 07 3305 7016
Your claim will be processed within 10 working days of us receiving a completed claim form and all necessary documentation. If we need additional information, a written request will be sent to you within 10 working days.
Any personal information you provide is used by Us, and our agents to evaluate, arrange your travel insurance and administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims.
This personal information may be disclosed to (and received from) third parties involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, health, cost containment providers, medical and help service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of the personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.
When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:
We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information.
You can seek access to and correct your personal information by contacting Mondial Assistance. If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy.
In cases where we do not agree to give you access to some personal information, we will give you reasons why.
Extensions are calculated at rates current at the time of the extension. An extension of cover is not provided for pre-existing medical conditions previously accepted by us in writing and/or for any conditions you suffered during the term of your original policy or if you are over 71 years of age at the time of extension, or where you have not advised us of any circumstances that have or may have given rise to a claim under your original policy.
For emergency assistance anywhere in the world at any time, Mondial Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates as well as keeping you in touch with your family and work in an emergency. If you are hospitalised you, or a member of your travelling party, MUST contact Mondial Assistance as soon as possible.
If you do not we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us (see Section 1).
If you are not hospitalised but you are being treated as an outpatient, and the total cost of such treatment will exceed AUD $2,000, you MUST contact Mondial Assistance.
Reverse Charge 61 7 3305 7499 to contact Mondial Assistance.
Some words in your policy that have special meanings are defined here.
We, our, us, refers to Allianz Australia Insurance Limited, or it’s agent, ETI Australia Pty Ltd, trading as Mondial Assistance.
Accident means an unexpected, unintended, unforeseeable event causing injury. The Accident must happen while you are on a trip and covered under the policy.
Amount Payable means the total Amount Payable for the insurance in accordance with the rates set out in the schedule of benefits. It includes administration fees payable to the Agent, stamp duty, policy issue fee, GST if applicable and the premium payable to the Insurer.
Applicable Limit means the sum insured specified in the schedule of benefits for the Plan selected on the Travel Insurance Policy.
Country of Residence means the country of which you are a citizen or permanent resident.
Dependant means your children/grandchildren not in full time employment who are under the age of 21 and are travelling with you on the journey.
Family or Duo means you and your travel partner named in the Certificate of Insurance and your dependant children/grandchildren under the age of 21, at the date of policy issue, travelling with you, listed as covered on your Certificate of Insurance.
Home means your usual place of residence in Australia.
Injury means a bodily Injury caused solely and directly by violent, accidental, visible and external means, during your period of cover and which does not result from any illness, sickness or disease.
Insolvency means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.
Luggage and Personal Effects means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.
Overseas means in any country other than your Country of Residence.
Pre-existing Medical Condition is:
Note: this definition applies to you, your travelling companion, any relative or any other person.
Public Place means any place where the public has access to, including but not limited to, planes, taxis, buses, trains, shops, airports, railway stations, streets, museums, galleries, hotel foyers and general access areas, beaches, restaurants, and public toilets.
Reasonable means for medical or dental expenses, the standard level of care given in the country you are in OR, for other expenses, the standard level you have booked for the rest of your journey OR, as determined by us.
Relative is limited to a Relative of yours, or of a member of the Travelling Party, who is resident in Australia or New Zealand. It means a spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancè or fiancèe, or guardian.
Rental vehicle means a rented sedan, campervan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.
Single means covering you and your dependant children/grandchildren under the age of 21, at the date of policy issue travelling with you listed as covered on your Certificate of Insurance.
Sudden Illness or Serious Injury means a condition which first occurs during your period of cover and which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to which this Insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue with your original trip.
Travelling Party means you or those people defined in Family and any travelling companion who has made arrangements to accompany you for at least 50% of the Trip.
Trip means the period of travel stated in the Certificate of Insurance. It begins on the date of departure as stated in the Certificate of Insurance and ends when you return to your normal place of residence, or when the period of the Trip set out in the Certificate of Insurance ends, whichever happens first.
Unsupervised means:
You and Your means the person or people named in the Certificate of Insurance as well as their accompanying dependant children/grandchildren who are under 21 years of age at the date of policy issue.
We will not pay for any of the following losses:
(a) cash, bank or currency notes, cheques or negotiable instruments;
(b) unaccompanied luggage or personal effects;
(c) property that you leave unsupervised in a public place or that happens because you do not take reasonable care to protect it;
(d) luggage or personal effects, but only to the extent that you are entitled to compensation from the carrier;
(e) a video camera, mobile telephone, photographic equipment, personal computer, or jewellery left unattended by you in a motor vehicle, or are transported in the cargo hold of any aircraft, ship, train or bus;
(f) items from an unattended motor vehicle, unless taken from a locked boot or locked concealed luggage compartment of a station wagon, hatchback, van or motorhome, between sunrise and sunset local time and there is evidence of damage or forced entry which is confirmed by a police report; or
(g) the luggage is fragile, brittle or an electronic component is broken or scratched - unless either;
- it is the lens of spectacles, binoculars or photographic or video equipment;
- or the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.
(h) luggage and personal effects where you have taken out Plan M, unless the luggage and/or personal effects are in the custody of a carrier ie: airline, coach or train.
(a) commits suicide, attempts to commit suicide or deliberately injures himself or herself;
(b) is under the influence of, or is addicted to, intoxicating liquor or a drug, except a drug taken in accordance with the advice of a registered medical practitioner;
(c) takes part in a riot or civil commotion;
(d) acts maliciously;
(e) races (except on foot); mountaineers – or rock climbs – using support ropes; or takes part in a professional sporting activity;
(f) rides a motor cycle (except as a pillion passenger) without a licence that is valid in the relevant country; or
(g) dives underwater using an artificial breathing apparatus unless you hold an open water diving licence or you were diving under licensed instruction.
(a) give us written notice as soon as possible of an event that may result in a claim;
(b) you must give us, if requested by us, any information we ask for to support your claim, in written English and at your expense, such as police reports, valuations, medical reports/certificates, original receipts or proof of ownership;
(c) give us your Certificate of Insurance and any information that we reasonably ask for; or
(d) not make any promise or offer of payment, or admit fault to anyone, or become involved in any litigation, without our consent.
You only have this cover if you chose Holiday, Comprehensive, Multi-trip or Budget.
We will pay the reasonable cost of medical, hospital, road ambulance or other treatment you actually and necessarily received during the Trip because you suffer a Sudden Illness or Serious Injury. You must make an effort to keep your medical expenses to a minimum. If we determine that you should return home to Australia for treatment and you do not agree to do so then we will pay you the amount which we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any on-going or additional costs relating to or arising out of the event you have claimed for. However:
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
This Section only covers you for reasonable additional travel or accommodation expenses that result directly from one of the following events:
You only have this cover if you chose Holiday, Comprehensive, or Multi-trip.
We will pay you your average gross income less normal legal deductions for up to 6 months, calculated from the return date on the Certificate of Insurance if, as a result of suffering an Injury during the Trip, you become totally unable within 30 days after that Injury to attend to your usual full-time occupation or business when you return to Australia. However, we will not pay in respect of the first 30 days after you originally planned to resume your work. This benefit is not applicable to accompanying dependant children/grandchildren. The maximum we will pay is $1,500 per month on Plans A & M and $3,000 per month on Plans C & D.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive, Multi-trip or Budget.
We will pay you $50 for each day you are necessarily confined to hospital overseas provided that the period of confinement exceeds 48 hours because of a Sudden Illness or Serious Injury that happens or first shows itself during the Trip.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive, Multi-trip or Budget.
We will pay you up to $200 for the cost of reasonable additional meals and accommodation if, for a reason outside your control, your scheduled transport from Australia or Overseas is delayed for at least 6 hours, for each subsequent 12 hours (or part of that time) of delay.
You must give us your receipts, and written confirmation of the delay from the carrier.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip.
We will pay you towards the cost of your original air ticket (less any refund that is due to you) if, because of a Sudden Illness or Serious Injury that happens during your Trip the attending registered medical practitioner or carrier requires you to be brought back to Australia with a medical escort. However, we will only do so if we bring you back when either:
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip and you are not making a claim under Section 2A.
We will pay you, if you have to return to Australia because of the hospitalisation or death of a Relative in Australia or New Zealand as a direct result of Sudden Illness or Serious Injury, for the transport costs paid to resume your original trip within twelve months of you returning to Australia.
We will not pay more than the cancellation costs that would have been incurred on those prepaid arrangements had you not resumed your Trip.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip.
If your Trip is interrupted by any fortuitous cause outside of your control and you are unable to arrive at your destination by the time originally scheduled – for the purpose of attending a pre-arranged wedding, funeral, conference, or sporting event which cannot be delayed as a consequence of your late arrival – We will reimburse you for the reasonable additional cost of using alternative public transport to arrive at the destination on time.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive, Multi-trip or Australia Only
We will pay you for the Rental Vehicle insurance excess if you rent a vehicle from a rental company and it is involved in an accident, is damaged or is stolen.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive, Multi-trip or Australia Only
We will pay the cost of returning your Rental Vehicle to the nearest depot if your attending registered medical practitioner or dentist certifies in writing that you are unfit to do so during your Trip.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You Only Have This Cover If You Chose Holiday, Comprehensive or Multi-trip.
We will pay your reasonable additional transport and accommodation expenses if your Trip is disrupted due to your usual place of residence in Australia being destroyed due to a natural disaster, or fire.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip.
We will pay if you want to cancel your Trip and return home after the scheduled transport service on which you are travelling is hijacked. We will pay you your pre-paid travel and accommodation that you do not use, less any refunds due to you.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Comprehensive, or Multi-trip.
We will pay the reasonable costs for a replacement employee to complete the assignment for which you originally travelled if, as a result of a Sudden Illness or Serious Injury to you for which a claim is valid under Section 1 of this Policy, a registered medical practitioner and we deem it necessary that you return to your place of residence in Australia.
The replacement employee will for the purposes of this travel insurance will be entitled to benefits under this Policy but subject to the conditions, limitations and exclusions of the Policy and provided the replacement employee complies with the requirements of the Duty of Disclosure.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip.
We will pay you $50 per day when any of the following services are unforeseeably withdrawn for 48 hours continuously during your Trip at the pre-booked accommodation that you are staying at:
You must produce a written report from the accommodation manager where you are staying in support of your claim.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday or Australia Only
We will pay you $100 Single, $200 Family, for each day that the skiing facilities at the resort you have pre-booked before your Trip commenced and that you are staying in, is totally closed due to adverse snow conditions. The most we will pay is $500 Single, $1,000 Family.
You must obtain a report from the resort management in support of your claim
You only have this cover if you chose Holiday or Australia Only
We will pay you the proportional amounts of irrecoverable prepaid charges you have paid (or contracted to pay before the Trip commenced) for;
You must obtain a medical certificate from a registered medical practitioner in support of your claim for your Sudden Illness or Serious Injury.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday or Australia Only
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
You only have this cover if you chose Holiday
We will pay you for any reasonable domestic services provided by a registered domestic service business up to a maximum of $500 if You have been repatriated to Australia by Us and your Sudden Illness or Serious Injury restricts your ability to perform domestic duties. These reasonable domestic services and costs must be approved by Us.
You only have this cover if you chose Holiday, Comprehensive or Multi-trip.
We will pay your estate the Applicable Limit, if you die within twelve (12) months as the direct result of an Injury that happens to you during your Trip. However, there is no cover for your dependant children/grandchildren under the age of 21, who are travelling with you. Under a Family Policy, We only pay the Single Policy limit for any one person.
If the conveyance you were travelling in disappears, sinks or is wrecked, we will treat you as having died directly because of an Injury at that time if your body has not been found after 12 months.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
We will not pay a claim that arises because of any of the following:
a) you or a member of your travelling party are made redundant from full-time permanent employment in Australia provided you or they were not aware that the redundancy was to occur before you purchased this policy; or
b) where you are a full-time permanent employee and pre-arranged leave is cancelled by your employer.
You must check general exclusions applicable to all sections for other reasons why we will not pay.
You have this cover if you chose Holiday, Comprehensive, Multi-trip, Budget or Australia Only
We will pay You for each of the following:
However, if we are to pay a claim, you must:
(a) keep receipts for goods you buy separate from the goods themselves;
(b) keep any relevant ticket and luggage check and give them to us;
(c) provide evidence of the value and your ownership of the goods;
(d) if an airline loses or damages your accompanying luggage, report it in writing to the airline within three days; and/or
(e) get written confirmation that you made the report, and give it to us, with details of any settlement that they make in relation to the loss or damage.
We will not pay for:
You have this cover if you chose Holiday, Comprehensive, Multi-trip, Budget or Australia Only
We will pay you for any amount due to your legal liability up to the maximum benefit to pay damages or compensation because your negligence during your journey causes:
We will also reimburse your reasonable legal costs and legal expenses for settling or defending the claim made against you. We decide whether the costs were reasonable.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
We will not pay for a liability:
You must check general exclusions applicable to all sections pages for other reasons why we will not pay.
You only have this cover if you chose Comprehensive or Multi-trip
We will not pay for loss, or theft of, or damage to:
You must check general exclusions applicable to all sections for other reasons why we will not pay.