This policy wording 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 4 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, what cover options and excesses will apply, 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.
This policy document 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” page 17 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.
You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your risk profile and distribution costs. Factors such as your destination(s), length of journey, number of persons covered and additional cover options selected determine your risk profile. The higher the risk the higher the premium.
Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts will be set out separately in your Certificate of Insurance as part of the total premium
ETI Australia Pty Ltd, trading as Mondial Assistance has been authorised by Allianz Australia Insurance Limited (the Insurer) to enter into and arrange the policy and deal with and settle any claims under it, as the agent of the Insurer, not as your agent. ETI Australia acts under a binder which means that ETI Australia can do these things as if ETI Australia were the Insurer and is referred to as “we”, “our” and “us” in this Product Disclosure Statement.
Even after you have purchased your policy, you have cooling off period/money back guarantee rights (see “Important Matters” pages 8 - 9 for details).
We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, we may issue you with notice of this information in other forms or keep an internal record of such changes (You can get a paper copy free of charge by calling us).
This PDS was last updated on 22 September 2006 and remains valid until a further PDS is issued to replace it.
This is a Summary of Benefits – 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 wording carefully and in full.
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.
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.
Cover extends to pay the equivalent if you lose frequent flyer or equivalent points which you used to purchase your travel.
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.
If you cannot return to your usual employment when your travel is completed due to an accidental injury suffered whilst you were away.
Cash payments if you are hospitalised.
Meals and accommodation expenses due to transport delay.
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.
Transport costs to resume your travel if you had to return to Australia due to the hospitalisation of a relative.
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.
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.
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.
Additional transport and accommodation expenses if disaster strikes your home whilst you are away.
Loss of prepaid travel if you decide to end your travel following a hijacking incident.
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.
Additional costs you incur if the accommodation you are staying at is affected by industrial action or extended water and electricity supply failures.
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.
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.
Payment to your estate for accidental death.
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. Note: exclusions in relation to Luggage stolen from a vehicle.
Additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.
Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.
Cover if you suffer injury resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more limbs.
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.
|
Section |
Benefit Type |
Plan A Worldwide Holiday |
Plan B Worldwide Business |
Plan C Frequent Traveller |
Plan D Australia Only |
|||
|
Single |
Family |
Single |
Family |
Single |
Single |
Family |
||
|
1 |
Medical Expenses Incurred Overseas |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
||
|
-Emergency Dental |
$500 |
$500 |
$500 |
$500 |
$500 |
|||
|
2A |
Cancellation Costs |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
$ 10,000 |
$ 20,000 |
|
2B |
Additional Expenses / Medical Evacuation |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
$ 10,000 |
$ 20,000 |
|
2C |
Loss Of Income (sub-limit of $1,500 per month) |
$10,000 |
$20,000 |
$10,000 |
$20,000 |
$20,000 |
||
|
2D |
Out Of Pocket Expenses (sub-limit of $50 per day) |
$6,000 |
$12,000 |
$6,000 |
$12,000 |
$ 12,000 |
||
|
2E |
Travel Delay (sub-limit of $200 per 12 hours delay) |
$2,000 |
$4,000 |
$2,000 |
$4,000 |
$ 4,000 |
||
|
2F |
Return Airfare |
$6,000 |
$12,000 |
$6,000 |
$12,000 |
$ 12,000 |
||
|
2G |
Resumption Of Trip |
$3,000 |
$6,000 |
$3,000 |
$6,000 |
$ 6,000 |
||
|
2H |
Missed Connection |
$2,000 |
$4,000 |
$2,000 |
$4,000 |
$ 4,000 |
||
|
2I |
Rental Vehicle Excess |
$4,000 |
$4,000 |
$4,000 |
$4,000 |
$4,000 |
$ 4,000 |
$ 4,000 |
|
2J |
Return Of Rental Vehicle |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
$ 1,000 |
$ 500 |
$ 500 |
|
2K |
Domestic Pets |
$500 |
$500 |
$500 |
$500 |
$ 500 |
||
|
2L |
Trip Disruption |
$2,000 |
$4,000 |
$2,000 |
$4,000 |
$ 4,000 |
||
|
2M |
Hijacking |
$2,000 |
$4,000 |
$2,000 |
$4,000 |
$ 4,000 |
||
|
2N |
Alternative Staff |
$ 3,000 |
||||||
|
2O |
Withdrawal Of Services |
$500 |
$500 |
$500 |
$500 |
$500 |
||
|
2P |
Snow Skiing Piste Closure |
$500 |
$1,000 |
$500 |
$1,000 |
$500 |
$ 1,000 |
|
|
2Q |
Snow Skiing and/or Golfing Benefits |
$200 |
$400 |
$200 |
$400 |
$ 200 |
$ 400 |
|
|
2R |
Snow Skiing and/or Golfing Equipment Replacement |
$200 |
$400 |
$200 |
$400 |
$ 200 |
$ 400 |
|
|
2S |
Domestic Services |
$500 |
$500 |
$500 |
$500 |
|||
|
3A |
Accidental Death |
$25,000 |
$50,000 |
$25,000 |
$50,000 |
$ 50,000 |
$ 10,000 |
$ 20,000 |
|
3B |
Total Permanent Disability |
$12,500 |
$25,000 |
$12,500 |
$25,000 |
$ 25,000 |
||
|
4 |
Luggage & Personal Effects (sub-limits on laptop, notebook and hand held computers, video cameras and cameras up to $4,000 all other items $700) |
$12,000 |
$24,000 |
$12,000 |
$24,000 |
$ 24,000 |
$ 4,000 |
$ 8,000 |
|
5 |
Personal Liability |
$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 |
||||
A 12 month policy for the frequent traveller.
All trips under 38 days for a leisure trip & 90 days for a business trip are automatically covered and accompanying partner and children as well.
Family Benefits apply, 1 through to 2O and 3A to 6. Plan C covers all international and Australian domestic travel.
This insurance policy provides cover for unforeseen medical events only. Not all Pre-Existing Medical Conditions are automatically covered. Please read this section carefully together with the definition for Pre-Existing Medical Condition.
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 and is defined below.
A Pre-Existing Medical Condition (“PE Condition”) means:
PLEASE NOTE: This definition applies to you, your travelling companion, any relative, or any other person. If you do not have a PE Condition, you are fully covered for emergency medical costs under a Standard Plan.
If you have a PE Condition (and we decide to cover you), but do not pay the Preexisting Medical Premium, you will not be covered for any medical claim related or associated with your condition.
For example, by not taking Pre-Existing Medical Cover, you will have to pay the high costs of overseas health care if you suffer an illness associated with your PE Condition.
Unlike some other travel insurance companies, we do not require everyone with a PE Condition to visit their doctor and supply a medical report. By following the steps below, you can see if you are automatically covered or if you need to make an Application for cover. In most cases, you will only need to notify us of your PE Condition/s if you make a claim.
Follow the steps below to obtain cover for your PE Conditions. In the following steps, references to time are applied to the date on which an application for cover is made.
If yes – you have any of the above conditions or symptoms, we cannot cover you for any claim relating to or associated with the treatment of that PE Condition. Standard Travel Cover is available even though these conditions are automatically excluded from the policy.
If no, go to Step 2.
You are automatically covered for the PE Conditions below and you do not need to submit an application or pay the additional premium under the relevant Standard Plan.
If no, go to step 3.
If you have any condition described in Step 3, you will need to complete a Preexisting Medical Assessment Application, as outlined in Step 4.
If the condition is not outlined in Step 3, we do not require any further information and you do NOT need to complete a Pre-Existing Medical Assessment Application Form or see your doctor. You are accepted for cover providing you pay under the relevant Pre-Existing Medical Plan Single Cover.
Once we assess your application, we have the right to accept or decline cover.
If we accept cover, you must pay under the relevant Pre-Existing Medical Plan Single Cover.
You can apply for PE Cover under Plans A and B.
You are not covered at all for any claim you make which arises from a PE
Condition suffered by:
Age limits as at date of certificate issue.
Plans A and D - less than 86 years of age.
Plans B and C - less than 76 years of age.
Standard Pre-Existing Medical Conditions Cover (excluding Pre-Existing Medical Conditions except as specified on pages 5 to 6) is automatically available to travellers aged less than 86 for Plans A and D, and 76 years of age for Plans B and C subject to the appropriate age premium loadings.
Mature age travellers over 70 years, will be required to pay an additional premium being an age loading with such percentage subject to your age.
No Cover is available for travellers aged 86 years and over.
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 85 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.
The item limit we will pay for any one item, pair or set (including accessories) is $700 under Holiday, Business or Frequent Traveller Plans (and $4000 where the item limit is a laptop, note book, handheld computer, camera or video camera), or a $5000 single item limit applies in respect of business equipment under Business or Frequent Traveller Plans.
An increased item limit of up to $4000 per item can be purchased at a rate of 4% of the amount in excess of the standard limit for all plans provided the combined increase for all items does not exceed $10,000.
Note: The General Exclusions of the policy apply regardless of the limit of additional luggage or personal effects cover purchased.
It is important that you report all losses to the police if theft is suspected or you lose something. All other losses should be reported to a responsible officer of the transport or accommodation provider where the loss occurred. Please obtain a written report from whomever you reported your loss to. There is no cover if you leave items unattended in a vehicle overnight between sunset and sunrise.
You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects unsupervised in a public place we will not pay your claim. (For an explanation of what we mean by “Luggage and Personal Effects”, “Unsupervised” and “Public Place” see page 10).
For all Plans a $4,000 limit applies to your rental vehicle excess cover. You can purchase additional amounts in $500 units up to $2,000. 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.
This policy is issued and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (the Insurer). It is your Insurer and is referred to as ‘we’ ‘our’ and ‘us’ in the policy document.
ETI Australia Pty Ltd is authorised by the insurer to enter into and arrange the policy and deal with and settle any claims under it, as agent of the insurer, 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 policy 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 available for Citizens or Residents of Australia only.
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 Journey 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 02 8263 0483.
Before you enter into this policy, the Insurance Contracts Act 1984 (Cth) 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 policy. 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 your 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 duty of disclosure.
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 disputes resolution officer, 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 contact the industry’s independent external complaints scheme:
Insurance Ombudsman Service Limited,
PO Box 561, Collins Street West, Melbourne Vic 8007.
Phone: 1300 780 808.
If you are admitted to hospital or you anticipate you will incur medical costs, you must immediately contact Mondial Assistance on the emergency assistance number. For information about Mondial Assistance’s worldwide 24 hour emergency assistance network, see page 9.
If you need to make a claim, follow the instructions below and at Page 17.
Claim Forms are available:
For claims purposes, evidence of purchase and the value of the property insured or the amount of any loss must be kept.
Please complete the claim form in full (answering all questions) to allow your claim to be processed. You must attach all supporting ORIGINAL documents, reports, receipts, valuations, other proof of ownership and value, any amount of any loss and any other information relevant to your claim to the claim form and send to the address below.”
In The Event Of A Claim Immediate Notice Should Be Given To:
Travel Insurance Direct Claims
Mondial Assistance
PO BOX 162 TOOWONG QLD 4066
Phone from overseas reverse charge +61 7 3305 7499
Phone within Australia 1800 010 075
Your claim will be processed within 10 business 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 business days.
Depreciation will be applied to claims for lost luggage or goods at such rates as reasonably determined by Mondial Assistance.
To arrange and manage your travel insurance, we (in this Privacy Notice “we”, “our” and “us” includes the Authorised Representative) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary). Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to 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. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, and for any other purposes with your consent.
This personal information may be disclosed to (and received from) third parties in Australia or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such 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 us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependents under 16 years.
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.
We will not pay the first $100 (the excess) for any one event, except in relation to a claim under Sections 2D to 3B. You can choose to pay an extra premium to remove the standard excess from your policy.
Mondial Assistance has trained medical staff to assist you with emergency medical assistance. You must contact us immediately in the event of you becoming ill or have an accident.
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 4).
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 immediately.
IN AN EVENT OF AN EMERGENCY CALL REVERSE CHARGE +61 7 3305 7499 TO CONTACT MONDIAL ASSISTANCE.
As you soon as you become ill, contact us and our medical assistance team will help direct you to the appropriate hospital or heath care facility. Subject to medical advice, you must take our advice as to where you can be treated to ensure you receive quality medical care. We also have the option of returning you to Australia or evacuating you to another country, if the cost of your overseas medical expenses could exceed the cost of returning you to Australia.
Some words in your policy that have special meanings are defined here.
We, our, us, means the insurer of your policy, Allianz Australia Insurance Limited, through it’s agent ETI Australia Pty Ltd.
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.
Dependent means your children or grandchildren not in full time employment who are under the age of 21 and are travelling with you on the journey.
Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
Family means you and your travel partner named in the Certificate of Insurance and your dependent 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.
Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.
A Pre-Existing Medical Condition (“PE Condition”) means::
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 dependent 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 dependent 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:
You only have this cover if you chose Plan A, B and C.
We will pay the reasonable cost of emergency 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: We will only pay for treatment received and/or hospital accommodation during the 12 month period after the Sudden Illness first showed itself or the Serious Injury happened.
The treatment must be given or prescribed by a registered medical practitioner or paramedic.
We will also pay the cost of emergency dental treatment up to a maximum amount of $500 per person per trip for dental costs incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain.
We will pay up to $12,000 in total for your burial or cremation overseas, or the transporting of your remains to your Country of Residence.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
We calculate the amount we pay you by multiplying:
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
This Section only covers you for reasonable additional travel or accommodation expenses that result directly from one of the following events:
We will pay you if you have to interrupt your Trip after it has begun, for your necessary additional travel, accommodation, repatriation and meals that you undertake with our consent. Travel expenses for your return home or evacuation, are only covered if the attending physician advises us in writing that as a result of
Sudden Illness or Serious Injury you are unfit to continue the Trip. The following rules apply:
You only have this cover if you chose Plan A, B and C.
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 dependent children/grandchildren. The maximum we will pay is $1,500 per month on Plan A and $3,000 per month on Plans B & C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
We will pay you up to Single $2000 and Family $4,000 (sub limit of $200 per 12 hour delay) 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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
If you return to your home in Australia because, during your trip, a relative of yours dies unexpectedly or is hospitalised following a serious injury or a sickness, we will reimburse you up to $3,000 single, $6,000 family towards return airfares if you are able to resume your trip, but only if more than 14 days remain of the period of your trip on your Certificate of Insurance.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
We will not pay more than the Applicable Limit.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You Only Have This Cover If You Chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
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 detailed written report from the resort management 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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and 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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
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.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B, C and D.
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 dependent 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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
You only have this cover if you chose Plan A, B and C.
If during the your Trip you suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in Your Permanent total loss of sight in one or both eyes or the Permanent total loss of use of one or more Limbs within one year of the date of the accident.
We will pay You the amount shown in the Plan purchased. The maximum limit in respect of Accompanied Children is $10,000 for each child.
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.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 on page 15 and General Exclusions to all sections page 11.
We will not pay a claim that arises because of any of the following:
You must check General Exclusions Applicable to All Sections on page 11 for other reasons why we will not pay.
You only have this cover if you chose Plan A, B, C and D.
We will pay You for each of the following:
The limits in total, for a camera, video camera or personal computer, and for any other item are set out in the schedule of benefits. A pair or related set of items for example, but not limited to:
The Maximum amount we will pay for any item (item limit) is:
However, if we are to pay a claim, you must:
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 also pay up to the limit(s) shown in your Certificate of Insurance for any additional cover purchased, as nominated by you and for which the applicable premium has been paid. The General Exclusions Applicable to All Sections of the policy apply regardless of the limit of additional Luggage and Personal Effects cover purchased.
We will not pay for:
You must check General Exclusions Applicable to All Sections on page 11 for other reasons why we will not pay.
You have this cover if you chose Plan A, B, C and D.
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. You must not accept any liability without our prior approval.
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 on page 11 for other reasons why we will not pay.
You only have this cover if you chose Plan B & C.
We will not pay for loss, or theft of, or damage to:
You must check General Exclusions Applicable to All Sections on page 11 for other reasons why we will not pay.
You must give us notice of your claim as soon as possible by completing the claim form supplied by our Client Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim. If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership. If required we may ask you to provide us with translations into English of such documents to enable us to carry out our assessment of your claim.
You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require.
We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense.
In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval.
Depreciation will be applied to claims for lost Luggage and Personal Effects at such rates as reasonably determined by us.
If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings.
If you can make a claim against someone other than under an insurance policy in relation to a loss or expense covered under this policy and they do not pay you the full amount of your claim, we will make up the difference. You must claim from them first.
If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other Insurer. You must give us any information we reasonably ask for to help us make a claim from your other Insurer.
We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy.
We will apply any money we recover from someone else under a right of subrogation in the following order:
Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.
If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.
If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit.
If you are entitled to claim an input tax credit in respect of your premium you must inform us of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy.