Meet the following eligibility criteria:

• are residents of Australia aged 74 or under at the time the certificate of insurance is issued; and

• are only travelling internationally, either one way or return; and

• are taking a trip of up to 12 months in duration within 12 months of purchase of this travel insurance; and

• are starting or ending their trip at home in Australia.

Have the following objectives that are met by the key attributes of this product:

• seek protection from financial loss as the result of specific defined unforeseen events, that may be incurred prior to or whilst travelling. For example, this plan can protect a consumer against financial loss for:

  • overseas medical expenses incurred as a result of injury or illness;

  • defined trip cancellation events, before and while they travel;

  • accidental loss, theft, or damage to luggage and personal effects;

  • rental vehicle insurance excess as a result of accidental damage or theft to a rental vehicle;

  • some Coronavirus related events.

  customers are protected from financial loss by reimbursement directly to the customer or their service provider(s);

• want access to assistance during their trip for guidance, support (even when losses may not be covered by the policy) and general policy and coverage information, as they would not likely have specialist resources available to them;

• want cover for international river cruises, and ocean cruises in International Waters and Australian waters at no additional premium;

• may want to tailor cover to be more suited to their insurance needs for their planned travels by:

  • lowering the excess applied if a claim is paid in order to minimise out of pocket expenses for covered events;

  • increasing the cancellation limit so trips of higher value can be covered;

  • specifying valuable items to increase cover limits and not have depreciation applied;

  • adding cover for loss arising from participation in snow sports.

Have a financial situation which is consistent with the following:

• customers who can pay the full quoted premium for the plan and options selected before the policy is issued;

• customers who can incur the applicable excess if a claim is made; and

• customers who may not wish to, or be able to, cover expenses themselves for events covered by this travel insurance.

• are aged 75 and over; or

• only want to be covered for travel within Australia; or

• are not starting or ending their trip at their home in Australia; or

• are Australian expatriates based overseas; or

• want cover for multiple trips under a single policy; or

• want cover for loss arising from excluded activities; or

• want cover for travel to a destination subject to a “Do Not Travel” warning issued by the Australian Government’s Department of Foreign Affairs and Trade; or

• require cover that would cause us to be in breach of any restriction under United Nations resolutions or any sanctions, laws or regulations of Australia, the European Union, the United Kingdom or the United States; or

• want cover for excluded losses relating to an epidemic or pandemic or associated travel restrictions; or

• want cover for existing medical conditions that do not meet the criteria for automatic cover.

Meet the following eligibility criteria:

• are residents of Australia aged 74 or under at the time the certificate of insurance is issued; and

• are only travelling internationally, either one way or return; and

• are taking a trip of up to 12 months in duration within 12 months of purchase of this travel insurance; and

• are starting or ending their trip at home in Australia.

Have the following objectives that are met by the key attributes of this product:

• seek protection from financial loss as the result of specific defined unforeseen events, that may be incurred prior to or whilst travelling. For example, this plan can protect a consumer against financial loss for:

  • overseas medical expenses incurred as a result of injury or illness;

  • defined trip cancellation events, before and while they travel;

  • accidental loss, theft, or damage to luggage and personal effects;

  • rental vehicle insurance excess as a result of accidental damage or theft to a rental vehicle;

  • some Coronavirus related events.

  customers are protected from financial loss by reimbursement directly to the customer or their service provider(s);

• want access to assistance during their trip for guidance, support (even when losses may not be covered by the policy) and general policy and coverage information, as they would not likely have specialist resources available to them;

• want cover for international river cruises, and ocean cruises in International Waters and Australian waters at no additional premium;

• may want to tailor cover to be more suited to their insurance needs for their planned travels by:

  • lowering the excess applied if a claim is paid in order to minimise out of pocket expenses for covered events;

  • increasing the cancellation limit so trips of higher value can be covered;

  • specifying valuable items to increase cover limits and not have depreciation applied;

  • adding cover for loss arising from participation in snow sports.

Have a financial situation which is consistent with the following:

• customers who can pay the full quoted premium for the plan and options selected before the policy is issued;

• customers who can incur the applicable excess if a claim is made; and

• customers who may not wish to, or be able to, cover expenses themselves for events covered by this travel insurance.

• are aged 75 and over; or

• only want to be covered for travel within Australia; or

• are not starting or ending their trip at their home in Australia; or

• are Australian expatriates based overseas; or

• want cover for multiple trips under a single policy; or

• want cover for loss arising from excluded activities; or

• want cover for travel to a destination subject to a “Do Not Travel” warning issued by the Australian Government’s Department of Foreign Affairs and Trade; or

• require cover that would cause us to be in breach of any restriction under United Nations resolutions or any sanctions, laws or regulations of Australia, the European Union, the United Kingdom or the United States; or

• want cover for excluded losses relating to an epidemic or pandemic or associated travel restrictions; or

• want cover for existing medical conditions that do not meet the criteria for automatic cover.

Meet the following eligibility criteria:

• are residents of Australia aged 74 or under at the time the Certificate of Insurance is issued; and

• are starting and ending each trip at their home in Australia; and

• are travelling to destinations at least 200km from their home in Australia; and

• whose travel includes either pre-paid scheduled public transport or hire car, or at least one night of pre-booked publicly available accommodation.

Have the following objectives that are met by the key attributes of this product:

• want cover for multiple trips within a 12 month period of up to 35 days each trip;

• are travelling internationally and may also be travelling domestically;

• seek protection from financial loss as the result of specific defined unforeseen events, that may be incurred prior to or whilst travelling. For example, this plan can protect a consumer against financial loss for:

  • overseas medical expenses incurred as a result of injury or illness;

  • defined trip cancellation events, before and while they travel;

  • accidental loss, theft, or damage to luggage and personal effects;

  • rental vehicle insurance excess as a result of accidental damage or theft to a rental vehicle;

  • some Coronavirus related events.

  customers are protected from financial loss by reimbursement directly to the customer or their service provider(s);

• want access to assistance during their trip for guidance, support (even when losses may not be covered by the policy) and general policy and coverage information, as they would not likely have specialist resources available to them;

• want cover for international river cruises, and ocean cruises in International Waters and Australian waters at no additional premium;

• may want to tailor cover to be more suited to their insurance needs for their planned travels by:

  • lowering the excess applied if a claim is paid in order to minimise out of pocket expenses for covered events;

  • increasing the cancellation limit so trips of higher value can be covered;

  • specifying valuable items to increase cover limits and not have depreciation applied;

  • adding cover for loss arising from participation in snow sports.

Have a financial situation which is consistent with the following:

• customers who can pay the full quoted premium for the plan and options selected before the policy is issued;

• customers who can incur the applicable excess if a claim is made; and

• customers who may not wish to, or be able to, cover expenses themselves for events covered by this travel insurance.

• are aged 75 and over; or

• are not starting and ending their trip at their home in Australia; or

• are Australian expatriates based overseas; or

• want cover for a trip longer than 35 days duration; or

• want cover for loss arising from excluded activities; or

• want cover for travel to a destination subject to a “Do Not Travel” warning issued by the Australian Government’s Department of Foreign Affairs and Trade; or

• require cover that would cause us to be in breach of any restriction under United Nations resolutions or any sanctions, laws or regulations of Australia, the European Union, the United Kingdom or the United States; or

• want cover for excluded losses relating to an epidemic or pandemic or associated travel restrictions; or

• want cover for existing medical conditions that do not meet the criteria for automatic cover.