Overseas Medical Expenses & Assistance

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of emergency medical, surgical and hospital treatment and transportation.

IMPORTANT NOTE: Overseas Emergency Medical and Assistance expenses must be incurred within 12 consecutive months from the date the first expense was incurred.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Emergency Medical Cover Whilst Cruising

Necessary and reasonable costs incurred as a result of your bodily injury or illness that occurs whilst on a cruise in respect of emergency medical, on-board hospital treatment and transportation.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cancellation Fees, Lost Deposits & Curtailment

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.
 

Cancellation Fees, Lost Deposits & Curtailment - within Australia

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cancellation Fees, Lost Deposits & Curtailment - 81 to 90 years of age

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - International

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:-

• Additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
• Additional travel and accommodation expenses where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally planned.
• Additional travel and accommodation expenses for:
  1. a travelling companion to stay with you and accompany you home; or
  2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Additional Expenses - within Australia

Necessary and reasonable costs incurred as a result of your bodily injury or illness during your trip in respect of:-

• Additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
• Additional travel and accommodation expenses where it is not medically necessary for you to return home but where you are certified medically unfit to travel and/or continue your trip as orginally planned.
• Additional travel and accommodation expenses for:
  1. a travelling companion to stay with you and accompany you home; or
  2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Prepaid Shore Excursion Cancellation

You are covered up to the amount shown in the Schedule of Cover if you cannot participate in your pre-paid shore excursion(s) in the event you are confined to hospital or your cabin as a result of bodily injury or illness that occurs whilst on a cruise.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Cruise Cabin Confinement

You are covered up to the amount shown in the Schedule of Cover if you are confined to the on-board hospital or your cabin (as a result of bodily injury or illness) for more than 24 hours for a benefit payment of $75.  A further benefit of $75 for each subsquent 24 hour period for which you remain confined. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Missed Port

You are covered up to $50 for each scheduled port your cruise never docks at where an alternative port is not provided, up to the maximum amount shown in the Schedule of Cover.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Hospital Cash Allowance - International

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical Expenses and Assistance) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Hospital Cash Allowance - within Australia

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical Expenses and Assistance) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Accidental Death / Disability Benefit

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - International

Cover for loss, theft or damage to:

• Your personal effects
• Your valuables

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage & Personal Effects - within Australia

Cover for loss, theft or damage to:

• Your personal effects
• Your valuables

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - International

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $500 (up to a maximum of $1,500) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Baggage Delay Expenses - within Australia

We will reimburse you if any items of your baggage and personal effects are delayed, misdirected or misplaced by the travel carrier for more than 12 hours. 

We will pay up to $500 at the end of the initial 12 hour period.  In addition, we will pay up to $250 (up to a maximum of $750) for each full 24 hour period that the delay continues beyond the initial 12 hour delay.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Travel Documents, Transaction Cards & Traveller's Cheques

We will pay the issurer's fees for the replacement costs of your travel documents (including passports), transaction cards or traveller's cheques in the event they are lost, stolen or damaged.  In addition, we will pay the reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Cash

You are covered for the amount shown in the Schedule of Cover for cash, bank notes, currency notes, postal orders or money orders stolen from your person or lost following forcible entry to a hotel safe during your journey.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Travel Delay - International

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Travel Delay - within Australia

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Alternative Transport Expenses

You are covered up to the amount shown in the Schedule of Cover for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:
a. the failure of public transport, or
b. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Car Rental Excess Waiver

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Personal Liability

We will pay costs incurred if you are held legally liable for causing:

• accidental bodily injury to someone else, and/or
• accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Loss of Income

You are covered up to the amount shown in the Schedule of Cover for 85% of your net income up to a maximum of $500 per week for a maximum of 52 continuous weeks.  

This is a summary of cover. For full details of the terms and conditions, please refer to the Product Disclosure Statement.

Excess

When you submit a claim under certain sections you will have to pay an excess.  An excess is the first amount payable in the event of a loss and therefore is the uninsured portion of your loss.