Travel Insurance Forms & PDS

8/3/2019 Travel Insurance Forms & PDS

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AUSTRALIAN

ANNUAL MULTI TRIP

INTERNATIONAL

Full Details Inside

with

Qantas Frequent Flyer members can earn 1Qantas Frequent Flyer point per $2 spent

on eligible QBE Travel Insurance products.

QBE Insurance (Australia) Limited

ABN 78 003 191 035

is the insurer of this policy

Effective 15 February 2009

TRAVEL INSURANCEFROM


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1

Why pay for coveryou dont need?

We have a range o basic travel insurance options which oerthe essential beneits or any trip without the high price tag.*

INTERNATIONAL TRAVEL PLAN

Our basic cover or international travel provides unlimitedcover or medical and dental expenses, medical andnon-medical evacuation and repatriation, cancellation(excluding cruising) and additional expenses. Cruisingcancellation has limited cover.

DEPOSIT PROTECTION TRAVEL PLANPaid your deposit and want to ensure that you have cover shouldyou need to cancel but dont want the cost o a ull travel insurancepolicy just yet? The cost o this travel plan will be deducted romthe price o an appropriate International Travel Plan when youmake inal payments or your trip.

ANNUAL MULTI TRIP TRAVEL PLANI you are a regular traveller, whether its overseas or within Australia,this travel plan oers comprehensive cover or any trip taken duringthe 12 month period o insurance. This way you dont have the hassleo buying travel insurance each time you travel.

AUSTRALIAN TRAVEL PLANCovers travel within Australia or cancellation or rearrangementcosts, additional travel expenses, repatriation, limitedcancellation cover or cruising and cover or your luggage andpersonal eects.

AUSTRALIAN CANCELLATION

AND ADDITIONAL EXPENSES TRAVEL PLANProvides limited cover or your travel arrangements andadditional travel, accommodation and meals i you have tocancel your trip.

However, depending on yourtravel arrangements, you may needadditional cover. Take advantageo our QBE addVANTAGE+Option whichallows you to add a range o increasedand additional beneits to the basicInternational, Annual Multi Tripand Australian Travel Plans.

*Terms, limits and conditions apply. Please reer to the ProductDisclosure Statement and Policy Wording or ull details.

Combined Product Disclosure Statement, Policy

Wording and Financial Services GuidePrepared 15 February 2009 and authorised or distribution by QBEInsurance (Australia) Limited.

CONTENTS

Product Disclosure Statement - Part 1Travellers Emergency Assistance - OMEGA 4-5Availability 7Cooling Off Period 17

Cost Of This Insurance 17Dispute Resolution Process 20Duty Of Disclosure 18Eligibility 8Ecesses 14Eisting Medical Conditions 11 & 14-15Eisting Medical Conditions Of A Non TravellingRelative Or Business Partner

12 & 14-15

General Insurance Code Of Practice 20Privacy Policy 18Qantas Frequent Flyer points 10QBE addVANTAGE+ Option 10Restrictions To Cover 8Schedule Of Benefits International Travel Plan 6

International Deposit Protection Travel Plan 6

Annual Multi Trip Travel Plan 6 Australian Travel Plan 6 Australian Cancellation And Additional

Expenses Travel Plan

6Significant Risks 16Specified Item Cover 9Travel Insurance Guidelines 11Who Are You Dealing With? 13Policy Wording - Part 2 Cancellation 24 Cancellation And Additional Expenses - Section A 27 Death Expenses, Permanent Disability And Loss O

Income - Section G

46 Deinitions 21 Evacuation And Repatriation - Section C 34 Extra Travel Cover - Section D 36 Financial Deault - Section I 50 General Exclusions 25 Luggage And Personal Eects - Section F 42 Making A Claim - Section K 52 Making Changes To The Period O Insurance 24 Medical And Dental Expenses - Section B 31 Personal Liability And Legal Expenses - Section H 48 Rental Vehicle Expenses - Section E 41 Snow Sports Package - Section J 50 When Does The Cover Under Each Beneit Begin And End? 24 When Does The Policy Begin And End? 23Financial Services Guide - Part 3 54


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The rental vehicle insurance

excess after a motor vehicle

accident in Europe

$5,000 $4,000 $8,000

Alaskan cruise cancelled dueto hospitalisation to correct

serious internal bleeding

$14,975$2,000 Unlimited

INTERNATIONAL

BASICBenefit Levels

Benefit Levels

Emergency surgery for a broken

wrist after a snow boarding

accident in Canada

$35,238Excluded Unlimited

Think about what you willbe doing on yourholiday...+ Will you be snow boarding or skiing?

+ Is cruising a part of your holiday package?

+ Are you taking expensive computer or camera

equipment?

+ Would you like new for old replacement of luggage?

+ Do double Qantas Frequent Flyer points interest you?

Take advantage of our higher

benefits and levels of cover

to ensure that you have

adequate cover for your trip.

You can add cover for:+ Additional Qantas Frequent Flyer points+ Participating in snow sports including

- Ski Run Closure

- Hiring Replacement Snow Equipment

- Cost Of Unused Ski Lift Passes

+ New for Old replacement on items less than 3 years old+ Increased PC, Computer and Video Item Limits

+ Stolen Cash Cover+ Increased Emergency Luggage Cover+ Double Rental Vehicle Insurance Ecess Cover+ Unlimited cancellation cover for cancelled cruises+ Medical epenses incurred onboard a cruise ship in Australian

waters on the Australian Travel Plan.

Available before and after departure.

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Its not just the financial impactwhen disaster strikes.

Not all hospitals are like the ones at home. Imagine being in

hospital where appropriate medical facilities are not available.

Medical staff that dont speak English and equipment is

limited to a stethoscope and a bandage. Or even just simply

trying to rearrange your disrupted travel plans. Sometimes

you just need help.

QBEs inhouse travellers assistance team OMEGA has

been providing assistance to travellers in need since

1992. OMEGA is a team of trained medical and insurance

specialists available 24 hours a day, 7 days a week, 365 daysa year. They are able to make decisions about your situation

and can provide assistance with things such as:

assessing and monitoring your condition after an accident or illness;

medical repatriation, if required;

guaranteeing payment of hospital and medical bills;

rescheduling disrupted travel plans;

replacement of lost tickets, passports or travel documents;

arrangement of emergency transfer of funds;

interpreters in non-English speaking overseas hospitals; and

urgent messages to your family or travel agent.

Providing assistance is not in itself an admission of liability

for your claim and where relevant all services are subject to

a claim being accepted under the policy.

CONTACT DETAILSEnsure you have your Certiicate o Insurance number and contact

details with you.

I you are in any o the ollowing countries please use the toll ree

numbers below:

I you cant use the toll ree numbers above contact the internationaloperator and ask or a reverse charge or collect call to

61 + 3 + 8805 2800. Calls rom mobile telephones will be at your cost.

OMEGAPhone: 61 + 3 + 8805 2800 Fax: 61 + 3 + 8805 2815

email: [email protected]

WITHIN AUSTRALIA1300 555 019 - OMEGA Emergency Assistance

1300 555 017 - Claims

1300 555 017 - Customer Service

1300 555 017 - Medical Services

LOST CREDIT CARDS/TRAVELLERS CHEQUES?

Due to privacy requirements you need to contact your credit card/travellers cheque company directly to cancel or replace credit cards

and travellers cheques.

Contact the international operator and ask to make a collect call

to the appropriate phone number.

American Express 61 + 2 + 9271 8664

Diners Club 61 + 3 + 8643 2210

Visa 1 + 410 + 581 9994

Mastercard 1 + 636 + 722 7111

BEFORE YOU TRAVELSubscribe to smartraveller.gov.au to receive traveladvice and warnings every time an update is made.

Austria 0800 291 702Brazil 0800 891 8401Canada 1800 665 3870China North 10800 611 0133China South 10800 361 0151Fiji 00800 2149France 0800 90 5097Germany 0800 181 7694Greece 00800 6112 6195Hong Kong 800 933 877Indonesia 001 803 61 683Ireland 1800 552 636Israel 180 945 6589Italy 800 875 100

Japan 00531 616 441Malaysia 1800 800 428Netherlands 08000 226 742New Zealand 0800 441 678Philippines 1800 1611 0045Singapore 800 6161 051South Africa 0800 99 3514Spain 900 996 167Sweden 0200 214 612Switzerland 0800 838 533Thailand 001800 611 2885United Kingdom 0800 899 813United States 1800 765 8631

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Thislist isa summary of someof thebenefits

coveredby thispolicy andthe applicable

limits.Pleasereferto therelevant sectionof

thePolicy Wordingfor fulldetailsof cover.

Other applicable limits may apply.

CancellationOr HolidayDeferment

CostsExcluding A

Cruise

CruiseCancellationOr HolidayDeferment

Costs

EmergencyTravel

ArrangementsAnd

AccommodationExpenses

AgentsCancellation

Fees

Medical Expenses AndDental Overseas And

Onboard A Cruise shipIn Australian Waters

Medical AndNon MedicalEvacuation

AndRepatriation

Travel Delay

Rental VehicleInsurance

Excess

Luggage And Personal Effects EmergencyLuggage

StolenCash

Damage toSporting

EquipmentWhile In Use

Fraudulent UseOf Credit OrDebit Cards

Loss ofIncome Personal

LiabilityLegal

ExpensesFinancialDefault

Snow Sports Package BonusQantas

FrequentFlyerPoints

PersonalComputerItem Limit

Cameraand VideoItem Limit

Set ofGolfClubs

Item Limit

WatchesAnd

JewelleryItem Limit

DenturesOr DentalProsthesisItem Limit

OtherItemLimit

MaximumItem Limit

Total

NewFor Old

Any Claim ArisingDue To Participation

In Snow Sports

Ski Lift Passes Ski RunClosureHire ReplacementSnow Equipment

NO EXCESS NO EXCESS NO EXCESS NO EXCESS NO EXCESS NO EXCESS NO EXCESS NO EXCESS

Section A1 Section A1 Section A2 Section A3 Section B1 Section C Section D1 Section E1 Section F1 Section F2 Section F3 Section F4 Section F7 Section G5 Section H1 Section H2 Section I Section J Section J1 Section J2 Section J3

INTERNATIONAL

TRAVEL PLAN

APPLICABLE

LIMITS

PERA

DULT Unlimited $2,000 Unlimited $2,000 Unlimited Unlimited $1,000 $4,000 $1,000 $1,000 $500 $600 $800 $500 $15,000 - $500 - - $3,000 $12,000 $3,000,000 $15,000 $10,000 - - - -

1 pointper $2

additional or increased benefits

Unlimited $5,000 $2,000 $8,000 $5,000 $5,000 $1,000ApplicableItem Limit $750 $250 $500

Covered up torelevant Section

limit$300 $500 $300

1 pointper $1

ANNUAL MULTI TRIP

TRAVEL PLAN

APPLICABLE

LIMITS

PERP

OLICY Unlimited $2,000 Unlimited $2,000 Unlimited Unlimited $1,000 $4,000 $1,000 $1,000 $3,000 $1,000 $800 $500 $15,000 - $500 - - $3,000 $12,000 $2,500,000 $15,000 $10,000 - - - -

1 pointper $2


Unlimited $5,000 $2,000 $8, 000 $5,000 $5,000ApplicableItem Limit $750 $250 $500

Covered up torelevant Section

limit$300 $500 $300

1 pointper $1

AUSTRALIAN

TRAVEL PLAN

APPLICABLE

LIMITS

PERA

DULT $10,000 $2,000 $10,000 $2,000 - $5,000 $500 $3,000 $1,000 $500 $500 $500 $800 $500 $4,000 - $500 - - $3,000 - $300,000 - $5,000 - - - -

1 pointper $2


$10,000 $5,000$125,000

Medical OnboardCruise Ship Only

$1,000 $6,000 $5,000 $750 $1,000 ApplicableItem Limit $750 $250 $500Covered up to

relevant Sectionlimit

$300 $500 $3001 pointper $1

Medical,dentalandancillarycostsincurredwithinAustraliaarenotcoveredunlessyou havepurchasedtheAustralianTravelPlanwiththeQBEaddVANTAGE+OptionwherecoverisprovidedoremergencymedicalordentaltreatmentrequiredonboardacruiseshipinAustralianwaters.

SPECIFIED ITEM COVERYoucancoveritemsworthmore thanthe itemlimitsorthe selectedtravelplanon paymento anadditionalamount.ItemsseparatelyinsuredunderSpeciiedItemCoverare coveredup tothe amountspeciiedeveni thisamountexceedsthe totalluggagelimitset outin theScheduleoBeneits.

PCsMAXIMUM

OTHERITEMS

MAXIMUMTOTAL FORALL ITEMS

INTERNATIONAL $6,000 $6,000 $15,000To calculate

theadditionalamount tospecify anecklacevalued at$4,000.$4,000 x

3% = $120

DEPOSIT

PROTECTION7 7 7

ANNUAL

MULTI TRIP$6,000 $6,000 $15,000

AUSTRALIAN $6,000 $4,000 $10,000

AUSTRALIAN

CANCELLATION

AND ADDITIONAL

EXPENSES

7 7 7

Youmust insure the total value per item. Please ensureyou have prooo value (not more than 12 months old) o any itemyou speciy. This willbe required shouldyou make a claim. Depreciation does not apply tospeciied items in the event o a claim. Speciied Item Cover is subjectto the terms and conditions as detailed under Section F1 Luggage AndPersonal Eectsin the Policy Wording.

ELIGIBILITY Insurance is not available to travellers outside Australia. Thetermsandconditionsothe policyaresubjecttothe lawsothe

AustralianstateorterritorywheretheCertiicateoInsuranceisissued.Youagreeto submitto thejurisdictiono thecourtsothatstateor territory.

TheInternationalTravelPlancan beissuedatanytimeunlessyou areanonresidentof Australia,you aretravellingtotheUSA,Canada,SouthorCentralAmericaandAntarcticaoryou are60yearso ageoroverat thetimetheoriginalCertiicateoInsuranceisto beissuedinwhichevent,itmustbeissuedpriortothecommencementoyourtrip.The Australian

TravelPlancanbe issuedat anytime.TheAnnualMultiTripTravelPlanmustbeissuedpriortothecommencementoyourtrip.

Thereis noprovisionto suspendthispolicyduringtheperiodo finsurance. TheInternationalTravelPlancan bepurchasedmorethan12 months

priorto departureprovidedyou areunder60yearsoage andyou donotrequirecoveroran existingmedical condition.An AdvancePurchaseLoadingwillapply.Thereisno advancepurchaselimitapplieson theAustralianTravelPlan howeverthe AustralianCancellation AndAdditionalExpensesTravelPlancannotbepurchasedmorethan12 monthspriortoyourtrip.TheAnnualMultiTripTravelPlancannotbepurchasedmorethan12monthspriortothe nominatedcommencementdate.

Youcannotsubstitutethe nominatedinsured,whosenameappearsontheCertiicate o Insurance.

RESTRICTIONS TO COVER There is no cover under this policy or any claim that results

romyourparticipation in a snowsports activity unlessyou havepurchased the QBE addVANTAGE+Option.

Cover or cancelling or deerring a cruise is limited to $2,000 on alltravel plans unlessyou purchase the QBE addVANTAGE+Option.

Theapplicable limits listedin theScheduleo Beneitsareperadult,includingany accompanyingchildorchildren, exceptthe AustralianCancellationAnd AdditionalExpenseswhich isper arepaying passenger.

Look out for the throughout the Schedule

of Benefits. It highlights the increasedlevels of cover or additional

benefits available to add to yourInternational, Annual Multi Tripand Australian Travel Plans.

6 7 8 9 10

AskourDistributor about availability, excesses and premiums.Thepremium is determined byyourdestination(s), duration, age,iyou have an existing medical condition(s), wish to take speciieditems cover oryou chose the addVANTAGE+ Option.

QANTAS FREQUENT FLYER POINTSOne Qantas Frequent Flyer point can be earnt or every A$2(two) dollars spent on an International, Annual Multi Trip orAustralian Travel Plan. You will be eligible or these points upondeparture. Points will be credited to your Qantas Frequent Flyeraccount within 6 weeks o departure. I you purchase a QBEaddVANTAGE+Option at the time the original Certiicate oInsurance is issued you will earn double Qantas Frequent Flyerpoints. You must be a member o the Qantas Frequent Flyerprogram to earn and redeem points. Membership and points aresubject to the terms and conditions o the Qantas Frequent Flyerprogram. A joining ee applies. For urther inormation on theQantas Frequent Flyer program visit qantas.com/requentlyer

SCHEDULE OF BENEFITS (Per adult includes any accompanying inancially dependant child orchildren under25 years)

INTERNATIONAL DEPOSIT PROTECTION TRAVEL PLANS

Thesetravelplanscoveryou oryourdepositup tothe applicablelimitshouldyou cancelyourtriporareasoncoveredbythis insurance.Atthe timeomakingyourinalpaymentyou shouldupgradetoa travelplansuitableoryourtrip.The

amountpaidbyyou orthistravelplanwillbe deductedromthetotalamountpayable.Notavailableorpurchasemorethen12 monthspriortodeparture.

APPLICABLE LIMITS $2,500

AUSTRALIAN CANCELLATION AND

ADDITIONAL EXPENSES TRAVEL PLANS

APPLICABLE LIMITS Per fare paying passenger $1,000 $2,000

Thispolicywill coveryou,iyou aretravellingwithinAustraliaandyou onlywantcoverorthe non-reundableparto pre-paidtravelarrangementsor additionaltravel,accommodationandmeals.

Thereisnocoverunderthispolicyorclaimsrelatingtoan existingmedicalcondition(includingpregnancy), luggageor a trip inexcesso12months.

REGIONSELECTIONYoumust select a Region based on yourdestination as follows:

REGION A CoverforUSA, Canada,SouthandCentralAmericaand Antarctica.

REGION BCoverfor ContinentalEurope, MiddleEast,Japan andAfrica.Notavailableif morethan72hoursis spentin RegionAdestinations.

REGION CCover for UK, Asia and Tahiti. Not available if more than 72 hoursis spent in Region Adestinations or the majorit y of yourtrip isspent in Region B destinations.

REGION DCover for Pacific Region and Indonesia. Not available to Region A,B or C destinations.

REGION ECover for New Zealand only. Not available if any of the tripis spent in Region A, B, C or D destinations.

AVAILABILITY Isthis travelplanavailableto me?

INTERNATIONAL TRAVEL PLAN

RESIDENTS OF AUSTRALIA 3 REGARDLESS OF YOUR AGE

NON RESIDENTS OF AUSTRALIA 3IF YOU ARE UNDER 60 YEARS

When Certificate Of Insurance Is Issued

DEPOSIT PROTECTION TRAVEL PLAN




ANNUAL MULTI TRIP TRAVEL PLAN

RESIDENTS OF AUSTRALIA 3IF YOU ARE UNDER 70 YEARS


NON RESIDENTS OF AUSTRALIA 7 NOT AVAILABLE

AUSTRALIAN TRAVEL PLAN




AUSTRALIAN CANCELLATION TRAVEL PLAN


NON RESIDENTS OF AUSTRALIA 3 REGARDLESS OF YOUR AGE


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14 15131211

AGE LIMITSIyou areaged70 yearsorover atthe timetheCertiicateoInsuranceistobe issuedandyou wishtopurchasean InternationalTravelPlanaskourDistributorora TravellersMedicalAppraisalForm.YoumustcompletePartA otheormandhaveyourusualmedicalpractitionercompletePartB andsubmitorapproval,viaourDistributor,beorethe CertiicateoInsurancecan beissued.Iyourapplicationisapprovedyou willbeadvisedoany restrictionsthatmayapplyand askedtopay anadditionalpremium .

EXTENSIONSINTERNATIONAL TRAVEL PLAN

UNDER 70 YEARS when original

Certificate of Insurance issued 3Upto amaximumtotalduration

of24 monthsfromdeparture

70 YEARS OR OVER when original

Certificate of Insurance issued 3Upto themaximumtotalduration

applicabletoyourageband


UNDER 70 YEARS when originalCertificate of Insurance issued 3 Trip extensions are available

AUSTRALIAN TRAVEL PLAN

REGARDLESSOFAGE 3Up to a maximum total durationof 12 months from departure

Youmust purchase the travel plan applicable toyourdestination.Iyou are spending more than 72 hours in USA, Canada, South orCentral America or Antarcticayou must purchase Region A Travel Plan.

We willnotpay anyclaimiyouareaged70yearsooveratthetimetheCertiicateoInsuranceis tobe issuedora claimarisingasa resulto,orexacerbatedby,orconsequentialuponyourexistingmedicalconditionunlessyou haveappliedorcover,we haveagreedtocoveryouandyouhavepaidanyadditionalpremiumwe askor

The International and Australianpremium is per adult. A maximum o2 adults can be named on a Certiicate o Insurance. Accompanyinginancially dependant children, grandchildren, step children, niecesand nephews who are not in ull-time employment and are under 25years o age are covered at no additional cost.

Please includeyourdeparture and return dates when calculatingyourduration.

Iyou wish to obtain details o stamp duty and taxes pleasecall 1300 555 017.

GUIDELINES


Cover under all applicable sections except Section A1 CancellationOr Holiday Deerment Costs, A3 Agents Cancellation Feesan d A4Loss O Reward Pointswill expire 12 months rom the nominatedCommencement Dateyou have selected onyourapplicationorm. Cover under Sections A1, A3 and A4 will commence at thetim the Certiicate o Insurance has been issued.

The maximum duration o any one trip is 60 days unlessyouhave selected the QBE addVANTAGE+Option where the tripduration is extended to 90 days.

There is no limit to the amount otripsyou may take duringyour12 monthperiod of insurance.

Providedyou comply with the terms and conditions o thispolicy, including the requirements or anexistingmedical

condition, including pregnancy,you can upgrade to coveryouraccompanying spouse, deacto partner or dependantchildorchildren oryou can include the QBEaddVANTAGE+Option at anytime during theperiodof insurance. Cover under the upgrade willcommence rom the timeyou pay thepremium until theperiodofinsurance ends. Service Fees apply i upgrade is ater the Certiicateo Insurance has been issued.

EXISTING MEDICAL CONDITIONS

(INCLUDINGPREGNANCY)

(Cover not available on the Australian Cancellation and AdditionalExpenses Travel Plans)

All existing medical condition(s) (including pregnancy) must bedisclosed to us prior to the issue o the Certiicate o Insurance unlessthey are one o the conditions listed in t he section headed ExistingMedical Condition(s) (including pregnancy) on page 14. To applyor cover askourDistributor or a Travellers Medical Appraisal Formwhich must be completed and submitted withyourapplicationorm, or approval, via ourDistributor, beore the Certiicate oInsurance can be issued. Iyourapplication is approvedyou willbe advised o any restrictions that may apply and asked to pay anadditionalpremium.

WHO ARE YOU DEALING WITH?

You Can Rely On UsQBE Insurance (Australia) Limited is a member o the QBE InsuranceGroup (ASX QBE). QBE Insurance Group is Australias largestinternational general insurer and reinsurance group, and one othe top 25 insurers and reinsurers worldwide. The company hasbeen operating in Australia since 1886. QBE is a household name inAustralian insurance, backed by sizeable assets and well known as astrong and inancially secure organisation.

About QBE Travel InsuranceQBE Insurance (Australia) LimitedABN 78 003 191 035A.F.S. Licence No. 23954582 Pitt Street Sydney NSW 2000

Please do not sendyourapplication or travel insuranceto this address.

Enquiries and AssistanceFor any enquiries and assistance please contactourCustomer Service Centre on 1300 555 017 or [email protected]

Please note that calls to QBE will be recorded or training andveriication purposes.

PART 1 - PRODUCT DISCLOSURESTATEMENT (PDS)

Throughout the PDS and Policy Wording words highlighted initalic have speciic meanings. These meanings are set out in thedeinitions section o the Policy Wording. For example:relative.

The PDS is designed to assistyou inyourdecision to purchase

Toursae Travel Insurance. It contains inormation about key beneitsand signiicant eatures. Any advice in this document is o a generalnature only and has not consideredyourobjectives, inancialsituation or needs.

This booklet contains the ollowing sections which provide:

Part 1 - inormation about this travel insurance product (ProductDisclosure Statement - PDS);

Part 2 - the detailed terms and conditions (Policy Wording); and

Part 3 - inormation about the inancial service being providedtoyou by ourDistributor (Financial Services Guide - FSG).

The PDS also contains important inormation aboutyourrights andobligations including:

The Duty of Disclosure on page 18

Privacy Policy on page 19

Cooling Off Period on page 18

Dispute Resolution Process on page 20

The ull terms and conditions that apply toyourpolicy arecontained in the Policy Wording commencing on page 21.

EXISTING MEDICAL CONDITION(S)(INCLUDING PREGNANCY)You must tell us iyou or anyone in yourtravelling partyhas anexisting medical condition. We will not pay any claim arising as a resulto, or exacerbated by, or consequential upon yourexisti ng medicalcondition unlessyou have told us about it, we have agreed to cover

you andyou have paid any additionalpremium we ask or.

An existing medical condition is:

a. anychronicorongoing(whetherchronicorotherwise)medicalordentalcondition,illnessordiseaseowhichyou wereawareor shouldreasonablyhavebeenaware,andwhichismedicallydocumentedorunderinvestigationpriortotheissueo theCertiicateoInsurance;or

b. anyphysical,mentalillness ormedical condition(including pregnancy),deect,illnessordiseaseo whichyou wereawareor shouldreasonablyhavebeen aware,and orwhich treatment,medication, preventativemedication,advice,preventative adviceor investigationhave beenreceivedorprescribedbya medicalordentaladviserin the60dayspriortothe issueotheCertiicateo Insuranceandinthe caseothe AnnualMultiTripTravelPlanalsowithin30dayso bookinga particulartrip.

Note:

Where any condition is the subject o an investigation, thatcondition alls within this deinition, regardless o whether or not adiagnosis o the condition has been made.

Thisdeinitionappliestoyou,yourtravellingparty,yourrelatives,yourbusinesscolleague,oranyother personyou havea relationshipwithwhosestateo healthcouldimpactonyourtravelplans.

Providedthe ollowingexistingmedical conditionsare stableandyou oranyoneelseto becoveredarenot waitingortreatment,on ahospitalwaitinglistor awaitingresultso medicaltestsorinvestigationsin relationtoanyotheseconditions,coverisprovidedwithoutapplication. Acne Allergies - such as allergic rhinitis, chronic rhinitis, hayever,

sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, oodintolerance, latex allergy

Anaemia - including iron deiciency anaemia, B12 deiciency, olatedeiciency, pernicious anaemia

Asthma - not requiring cortisone medication or hospitalisation or thepast 12 months including as an outpatient

Bells palsy Benign breast or renal cysts Bunions Carpal Tunnel syndrome Cataracts, dry eye syndrome, glaucoma, macular degeneration Coeliac disease Colonic polyps Congenital blindness/deaness Diabetes Mellitus Types 1 and 2 - whereyou have no known

cardiovascular, hypertensive, vascular disease and no relatedkidney, eye or neuropathy complications

Epilepsy - you have been seizure ree or the past 12 months anddo not require more than 1 anti-seizure medication

Goitre, hypothyroidism, Hashimotos disease, Gravesdisease Gout Hiatushernia/Gastro-oesophagealreluxdisease,Pepticulcerdisease High Cholesterol (Hypercholesterolaemia) High Lipids (Hyperlipidaemia) Insulin resistance, impaired glucose tolerance Incontinence

Menieres disease, Tinnitus Menopause Migraines except whereyou have been hospitalised in the

past 12 months Nocturnal cramps Osteoporosis - where there have been no fractures and you do not

require more than 1 medication Plantar fasciitis Raynauds Disease Sleep apnoea Stable High Blood Pressure (Hypertension) Trigeminal neuralgia Trigger finger Routinescreeningtests whereno underlyingdiseasehas beendetected

There is no cover under this policy iyou have an existing medicalcondition andyou do not apply or cover. To apply or cover askourDistributor or a Travellers Medical Appraisal Form which must becompleted and submitted withyourapplication orm, or approval,via ourDistributor, beore the Certiicate o Insurance can be issued.If

yourapplication is approvedyou will be advised o any restrictions thatmay apply due to age, duration or destination and asked to pay anadditionalpremium.

Youmay choose to take out cover to protectyou ifyourtrip is cancelled,cut short or disrupted due to an existingmedicalcondition of a non-travelling relative or business partner (see page 12 for details). Ifyoudo not select this additional benefit there will be no cover ifyourtripis cancelled, cut short or disrupted as a result ofyournon-travellingrelatives or business partners existingmedicalcondition.

EXCESSES

EXISTING MEDICAL CONDITIONS OF A NON

TRAVELLING RELATIVE OR BUSINESS PARTNER(Cover not available on the Deposit Protection and AustralianCancellation and Additional Expenses Travel Plans or to non residentsof Australia or ater departure)

Youmaychooseto takeout covertoprotectyou iyourtripiscancelled,cutshortor disrupteddueto anexistingmedicalconditionoa non-travellingrelative orbusinesspartner.Iyou donot selectthisadditionalbeneittherewillbeno coveriyourtripiscancelled,cut shortor disruptedas aresulto

yournon-travellingrelatives orbusinesspartnersexistingmedicalconditionunlessyou havetoldus aboutit, we haveagreedtocoveryou andyou havepaidanyadditionalpremiumweaskor.Toapplyor coveraskourDistributorortheappropriateTravellersMedicalAppraisalFormand aboutanyrestrictionsthatmayapplydue toage,durationor destination.

On the Annual Multi Trip Travel Plan, cover must be applied or beoreeach trip taken during theperiod of insurance.

TRAVEL PLAN EXCESS

INTERNATIONAL 3

DEPOSIT PROTECTION 7

ANNUAL MULTI TRIP 3

AUSTRALIAN 3

AUSTRALIAN CANCELLATION

AND ADDITIONAL EXPENSES

3

An excess may apply to the travel planyou select. The excess is anamount that will be subtracted rom the amount paid toyou iyoushould make a claim under various sections o the policy. Whenyoupurchaseyourtravel insurance it is up toyou to select the level oexcess applicable toyourpolicy. The amount o the excess will beshown onyourCertiicate o Insurance. AskourDistributor aboutthe excess options available toyou. Travellers insured on the sameCertiicate o Insurance must select the same excess option.


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SIGNIFICANT RISKS

This Policy May Not Match Your ExpectationsThis policy may not matchyourexpectations (or example, becausean exclusion applies). You should thereore read this PDS and PolicyWording careully. Please askourDistributor or us iyou are unsure aboutany aspect o the policy.

Are You Sure You Have The Right Level Of Cover?You need to make sure the limits o cover are appropriate or yourneeds. Otherwise you may be under insured and have to bear part oany loss that exceeds the limits yourself. Please reer to the applicable

limits as set out in the Schedule o Beneits and the Policy Wording.Consider the QBE addVANTAGE+Option as it provides additionalbeneits and higher levels o cover.

A Claim May Be RefusedWe may reuse to pay or reduce the amount we pay under a claim iyou do not comply with the policy conditions, iyou do not complywithyourDuty o Disclosure or make a misrepresentation, or iyoumake a raudulent claim.

Unattended Luggage And Personal EffectsThere is no cover under this policy or luggage and personal eectsthat are let unattended. Please reer to the deinition ounattendedin the Policy Wording and What is not Covered? under Section F1Luggage and Personal Eects.

Medical And Ancillary CostsThere is no cover or any medical, dental or ancillary costs incurredwithin Australia except under the Australian Travel Plan where coveris provided or emergency medical treatment required onboard acruise ship within Australian waters. Reer to Section B1 Medical AndDental Expenses Overseas And Onboard A Cruise Ship In AustralianWaters in the Policy Wording.

THE COST OF THIS INSURANCE

What You Have To PayWhen calculating the cost oyourpolicy, we take a rangeo actors into account:

The length oyour trip;

Yourdestination;

Yourdeparture date;

Any additional amounts determined by QBE Insurance to cover anexisting medical condition (including pregnancy);

Additionalpremium to cover items you speciy; or

Whetheryou choose the QBE addVANTAGE+Option.

The premium paid by you or the travel plan selected and anyadditional beneits you choose, will be shown onyourCertiicate oInsurance, including compulsory government charges (includingStamp Duty and GST where applicable).

This policy is only valid whenyou pay thepremium and ourDistributorissues a Certiicate o Insurance to you.

Service FeesWe or ourDistributor may charge a ee or additional services provided toyou ateryou have been issued with a Certiicate o Insurance. This mayinclude but is not limited to alterations and other changesyou askus tomake toyourpolicy. We or ourDistributor will notiyyou o any ee at thetimeyou make a request or additional services.

Amendment Of Travel DetailsIyou wish to change yourpersonal details or travel dates ateryourCertiicate o Insurance has been issued, please contact ourCustomerService Centre on 1300 555 017. We will either amend the policy overthe telephone or in certain circumstances we may askyou to complete

and submit to us a Policy Amendment Form which needs to beassessed and approved prior to any amendment to yourpolicy. Alsoreer to section headed When Does The Policy Begin And End?.

MATTERS YOU NEED TO KNOW ABOUT

Cooling Off PeriodI, having purchased the policy,you want to return it, you can do sowithin 14 days o receiving the Certiicate o Insurance and obtain a ullreund, provided no right or power has been exercised under it by you(eg no claim has been made) and yourtrip has not commenced. OurDistributor will arrange or a reund o the premium within 15 businessdays oyou cancellingyourpolicy. The Cooling O Period does not applyto policy or trip extensions.

Confirming TransactionsA Certiicate o Insurance must be issued once you have completedyourapplication orm andyou have paid the appropriatepremium. Iyou wantto conirm a transaction, or example whether the Certiicate o Insurancehas been issued,you may contact us in writing or by phone.

Updating This PDSWe will update the inormation in this PDS when necessary. A papercopy o any updated inormation is available to you at no cost bycalling us. We will issue you with a new PDS or a supplementary PDS,where the update is to correct a misleading or deceptive statementor an omission which is materially adverse rom the point o view o areasonable person deciding whether to obtain this insurance.

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Duty Of Disclosure - What You Must Tell UsYou have a Duty o Disclosure under the Insurance Contracts Act1984 (Cth) that requires you to tell us certain things. Beore you enterinto a policy with us, we will askyou a series o questions. You musttell us everythingyou know or which a reasonable person in thecircumstances would be expected to know in answer to the questionsin the application orm. Beore you extend or vary a policy, you musttell us everythingyou know or which a reasonable person in thecircumstances would be expected to know, or us to decide:

whether we will insure you;

thepremium we will charge you; and

whether any special conditions will apply toyourpolicy.You do not have to tell us about any matter:

that diminishes the risk;

that is o common knowledge;

that we know or should know in the ordinary course oourbusinessas an insurer; or

which we indicate we do not want to know.

Everyone who is insured under the policy must comply with the Dutyo Disclosure. Iyou provide inormation about another insured, youdo this on their behal. Iyou (or they) dont comply with the Duty oDisclosure, we may reduce the amount o any claim and/or cancel yourinsurance. I raud is involved, we may treatyour insurance as void romthe beginning.

Privacy PolicyThe Privacy Act 1988 (Cth) (the Act) regulates the way organisationssuch as QBE collect, use, protect and disclose personal inormation. Weare committed to saeguarding yourprivacy and the conidentiality oyourpersonal inormation. QBE collects only that personal inormationnecessary or it to assess and manage yourinsurance application orpolicy, including any claim that may be made under the policy. We willonly use and discloseyourpersonal inormation or a purpose you wouldreasonably expect. We will requestyourconsent or any other purpose.Iyou do not provide QBE with this personal inormation we may not beable to processyourapplication or insurance cover or process yourclaim.

We or ourauthorised agent may disclose yourpersonal inormation to:

any person authorised by you;

an insurance agent who is arranging yourinsurance (or the purposeo conirming yourpersonal and insurance details);

another person named as a co-insured on yourpolicy (or thepurpose o conirming i ull disclosure has been made to us);

another insurer (or the purpose o seeking recovery rom them orto assess insurance risks or to assist with an investigation);

an organisation who provides you with banking acilities (or thepurpose o conirming payments made by you to us);

an airline, medical practitioner, treating doctor or emergency assistanceprovider (to establishyourmedical status and itness to travel);

a dispute resolution organisation, such as the Financial OmbudsmanService (or the purpose o resolving disputes between QBE andyouor between QBE and a third party);

a amily member, in the case o a medical emergency;

ourreinsurers, who may be located overseas;

a mailing house, records management company or technologyservice provider (or printing and/or delivery o mail, includingsecure storage and management oourrecords);

ourrelated entities, so that we may oeryou other products and services;

a company to conduct surveys on ourbehal or the purpose oimproved customer services; and

an insurance reerence bureau (to record any claimsyou make upon us).In addition to the above, in the event o a claim, QBE or ourauthorisedagent may disclose yourpersonal inormation:

to a repairer or supplier (or the purpose o repairing or replacingyourinsured items);

to an investigator, assessor, state or ederal authority, medicalpractitioners, hospitals or other proessional advisers (or thepurpose o investigating or assessing yourclaim);

to a lawyer or recovery agent (or the purpose o deending an action bya third party againstyou or recovering ourcosts includingyourexcess);

to a witness to a claim (or the purpose o obtaining a witness statement);

to another party in a claim (or the purpose o obtaining a statementrom them or seeking recovery rom them or to deend an action bya third party).

Personal inormation (about you) may also be obtained rom theabove people or organisations.

In addition we will:

giveyou the opportunity to ind out what personal inormation we holdaboutyou and, when necessary, correct any errors in this inormation.Generally we will do this without restriction or charge; and

provide ourdispute resolution procedures toyou, shouldyou wish tocomplain about how we handleyourpersonal inormation.

Ouraim is to always have accurate and up-to-date inormation. Whenyoureceive a Certiicate o Insurance or other documents rom us,you shouldcontact us i the inormation is not correct. Where reasonably possible wewill correct the inormation on oursystems or held on ile. Iyou have acomplaint or want more inormation about how QBE is managing yourpersonal inormation, please contact the Compliance Manager usingthe contact details provided below. For security reasons, any request ordetails o personal inormation held by us should be made in writing.

The Compliance ManagerQBE Insurance (Australia) LimitedGPO Box 82Sydney NSW 2001Telephone: (02) 9375 4656Fax: (02) 8275 9022Email: [email protected]

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Our Dispute Resolution ProcessI a complaint arises duringyourdealings with us or ourrepresentatives,youshould irst discuss the matter with the person with whom you have beendealing. Whereyourcomplaint is not resolved toyoursatisactionyou shouldrequest that the matter be dealt with by ourInternal Complaints HandlingProcess. OurDistributor can assistyou to lodgeyourcomplaint or ourCustomer Service Centre 1300 555 017 can take the details or you. You willbe provided with a copy oourbrochure detailing ourcomplaints handlingprocess. Yourcomplaint will be handled by a person with authority toresolve the matter. Yourcomplaint should be dealt with within 15 businessdays unless we notiyyou o the reasons why it cannot be dealt with withinthat time.

I the complaint remains unresolved toyoursatisaction,you canrequest that it be reviewed by the Financial Ombudsman Service (theFOS). The FOS resolves certain insurance disputes between consumersand insurers and will provide an independent review at no cost toyou. QBE Insurance is bound by the determination o the FOS but thedetermination is not binding on you.

The General Insurance Code Of PracticeQBE Insurance is a signatory to the General Insurance Code o Practice.The Code aims to:

(a) promote better, more inormed relations between insurers andtheir customers;

(b) improve consumer conidence in the general insurance industry;

(c) provide better mechanisms or the resolution o complaints and

disputes between insurers and their customers; and(d) commit insurers and the proessionals they rely upon to higher

standards o customer service.

To obtain a copy o the General Insurance Code o Practicego to www.codeopractice.com.au

20

PART 2 - POLICY WORDING

DEFINITIONSApplicable limit(s) means the sum insured speciied in the Schedule oBeneits or Policy Wording or the travel plan selected as shown on theCertiicate o Insurance.

Carrier(s) means the scheduled airline, vessel, train, or motor coachtransport in whichyou are to travel to or romyourintended destination.

Child or children meansyourchild or children, stepchild or stepchildren,grandchild or grandchildren, nieces and nephews who are under 25years o age at the time the Certiicate o Insurance is to be issued andwho are inancially dependant on you.

Electronic equipmentmeans any equipment that operates usingbatteries or electricity including ipods, MP3 players, satellite navigationunits and electronic games.

Existing medical condition(s) means:

a. any chronic or ongoing (whether chronic or otherwise) medical or dentalcondition, illness or disease o whichyouwere aware or should reasonablyhave been aware, and which is medically documented or underinvestigation prior to the issue o the Certiicate o Insurance; or

b. any physical, mental illness or medical condition (including pregnancy),deect, illness or disease o whichyouwere aware or should reasonablyhave been aware, and or which treatment, medication, preventativemedication, advice, preventative advice or investigation have beenreceived or prescribed by a medical or dental adviser in the 60 days priorto the issue o the Certiicate o Insurance and in the case o the AnnualMulti Trip Travel Plan also within 30 days prior to booking a particular trip.

Note:

Where any condition is the subject o an investigation, thatcondition alls within this deinition, regardless o whether or not adiagnosis o the condition has been made.

This deinition applies to you, yourtravelling party, yourrelative(s),yourbusiness colleague, or any other person you have a relationshipwith whose state o health could impact on yourtravel plans.

Financial defaultmeans the insolvency, bankruptcy, provisional liquidation,inancial collapse, appointment o receivers or any other orm oinsolvency administration o any person, company, or organisation.

Home in Australia meansyourusual residential address in Australia oran Australian hospital iwerepatriateyou.

Injurymeans a bodily injurythat is caused solely and directly byexternal and visible means as a result o an accident and which does

not result rom an illness or disease.Mental illness means a condition characterised by the presence o symptomssuch as delusions, hallucinations, disorder o thought orm, disturbance omood, or sustained or repeated irrational behaviour, which impairs, eithertemporarily or permanently, the mental unctioning o a person.

Period of insurance means the period o cover speciied in theCertiicate o Insurance.

Personal computermeans laptops, personal digital assistants includinga blackberry and other hand-held wireless devices and notebooks.

Point of arrivalmeans an airport, port, station or bus terminal to whichyourpre-paid scheduled public transportarrives.

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Point of departure means an airport, port, station or bus terminal romwhichyourpre-paid scheduled public transportdeparts.

Premium means the total amount payable or the insurance in accordancewith the rates available by obtaining a quote, plus an amount or anyadditional beneitsyou have selected or charges imposed by us. Itincludes commission, stamp duty and GST i applicable.

Professional sporting activitymeans an activity or which you receiveinancial reward, or beneits rom participating in that sporting activity,regardless o whether or not you are a proessional sportsperson.

Relative(s) is limited to a relative oyours, or o a member o the travellingparty, who is resident in Australia or New Zealand. It means a spouse,deacto partner, parent, parent in-law, daughter, son, daughter-in- law,son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild,grandparent, stepparent, stepchildren, iance or iancee, or guardian.

Rental vehicle means any car, campervan, motorcycle or boatyou rentrom a licenced rental vehicle company and have a signed contractwith that company.

Repatriate(d) or repatriation means travel arrangements made by us oryourreturn to your home in Australia or where we consider to be thenearest suitable alternative.

Resident of Australia means someone who currently resides in Australiaand is eligible or an Australian Medicare Card.

Scheduled public transportmeans a public transport system that runsto a timetable.

Snow sports mean skiing, snow boarding and ski bik ing.

Terrorist actmeans an act or threat o orce or violence by any

person acting alone or in association with an organisation or oreigngovernment, where the purpose, by its nature or context, is to putthe public or a section o the public in ear, to resist or inluence agovernment or, to urther an ideological, religious, ethnic or similar act.

Total permanent disabilitymeansyou have lost any part oyourarmbetween the shoulder and wrist or any part oyour leg between thehip and ankle or use o the above, or lost sight in one or both eyes orat least 12 months and ater consultation with an appropriate medicalspecialist and, in ouropinion, that loss will continue indeinitely.

Travelling partymeansyou and any travelling companion who hasmade arrangements to accompanyyou or at least 50% o the trip.

Trip(s) in the case o the International and Australian Travel Plansmeans the period o travel stated in the Certiicate o Insurance. Theperiod begins on the date o departure, as stated in the Certiicate oInsurance, rom your home in Australia and ends whenyou return toyourhome in Australia, or when the period o the trip set out in theCertiicate o Insurance ends, whichever happens irst. In the caseo the Annual Multi Trip Travel Plan, trip(s) means a period o travelundertaken by you during the period of insurance, that includespre-paid scheduled public transportor rental vehicle hire or travelor a minimum o 200 km:

(a) commencing whenyou leaveyourworkplace or home in Australia,providedyou travel rom there directly to yourpoint of departure,or iyou do not travel directly to yourpoint of departure then whenyou arrive at yourpoint of departure; and

(b) ceasing at the earlier o:

(i) whenyou arrive atyourworkplace or home in Australia,providedyou travelled there directly rom yourpoint of arrival,or iyou do not travel directly toyourworkplace or home inAustralia then whenyou arrive atyourpoint of arrival;

(ii) 60 days ater the commencement o the relevant trip iyou have purchased the Annual Multi Trip Travel Plan butis extended to 90 days iyou have purchased the QBEaddVANTAGE+Option; or

(iii) the expiry o theperiod of insurance.

The period o travel cannot be altered without ourconsent.

Unattendedmeans leaving yourluggage either with a person you havenot previously met, or, in a public place where it can be taken withoutyourknowledge or at a distance rom whichyou cannot prevent itrom being taken.

We, our(s), us, reers to QBE Insurance (Australia) Limited ABN 78 003 191 035.

You,your,yours,yourselfmeans the person or persons listed as adultsin the Certiicate o Insurance and in the case o the International andAustralian Travel Plans, their accompanying child or children. Under theInternational and Australian Travel Plans i 2 adults are named as insuredson the Certiicate o Insurance the beneits, terms, applicable limits andconditions will be the same as i a separate Certiicate o Insurance hadbeen issued to each adult. In the case o an Annual Multi Trip Travel Plan,i you have paid the upgrade ee You,your,yours,yourself means you andyour accompanying spouse or deacto partner named as adults on theCertiicate o Insurance, and/or accompanying child or children.

Your Policy Is A Contract Of InsuranceYourpolicy is a contract o insurance betweenyou and us. You pay usthepremium, and in return we provideyou with cover under the travelplanyou have chosen.

Yourcontract consists o: these terms and conditions;

the section in the Schedule o Beneits which relates to the travelplanyou have chosen;

yourCertiicate o Insurance, which will show the travel plan youhave chosen;

any additional options; and

any written endorsements we giveyou.

Together these documents make upyourpolicy.

It is important that you readyourpolicy careully, and keep thisbooklet in a sae place or uture reerence.

Iyou have any questions regardingyourpolicy, please telephone ourCustomer Service Centre on 1300 555 017.

You Must Co-operate With UsYou must co-operate with us and give us all the inormation andassistance we need to deal withyourclaim. Iyou do not, we may notbe able to settle yourclaim.

When Does The Policy Begin And End?Yourpolicy will be valid or theperiod of insurance whenyou have paid thepremium andyou have been provided with a Certiicate o Insurance.

Theperiod of insurance will start and end on the dates shown in yourCertiicate o Insurance or whenyou return toyour home in Australiawhichever happens irst. Cover under the Annual Multi Trip TravelPlan is available or any trip up to 60 continuous days. However, this isextended to a period o 90 continuous days iyou purchase the QBEaddVANTAGE+Option.

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When Does The Cover Under Each Benefit

Begin And End?This policy contains a number o dierent beneits. Cover under thosebeneits may begin and end at dierent times. Each section o thepolicy sets out when the cover begins and ends.

Making Changes To The Period Of InsuranceThe period of insurance cannot be changed without ourconsent. Iyouwish to deer or alter the period of insurance, we may askyou to submita Policy Amendment Form. We will decide whether or not to agreeto alter the period of insurance based on the inormationyou give us,together with any additional inormation we ask or. Iwe agree todeer or alter that period of insuranceyou will be issued with a newCertiicate o Insurance which will show the change o the period ofinsurance and any premium adjustment.

However, i the scheduled transport in whichyou are to travel isdelayed, or yourtrip is delayed by an event that entitles you to makea claim under this policy, the period of insurance is automaticallyextended beyond the period oyouroriginal trip. This extension lastsuntilyou are capable o travelling to yourinal destination, includingthe journey there, or or a period o 6 months beyond theperiod ofinsurance, whichever happens irst.

CancellationBy You

Once the Certiicate o Insurance has been issued you are not entitledto a reund o any part o the premium except as provided or in thesection headed Cooling O Period. See the Cooling O Period sectionor urther details on page 17.

By Us

We can cancel yourinsurance in any way permitted by law, includingiyou have:

ailed to comply with yourDuty o Disclosure; or

made a misrepresentation to us beore the policy was entered in to; or

ailed to comply with a provision o a policy, including ailure to paythepremium; or

made a raudulent claim under this policy or any other current policy; or

ailed to notiy us o a speciic act or omission as required by the policy.

Iwe cancelyourpolicy, we will do so by givingyou written notice. We willdeduct rom thepremium an amount to cover the shortened period or

whichyou have been insured by us, and reund toyou what is let.

General ExclusionsThese are the general exclusions which apply to all sections o thispolicy. You should read them, together with the cover and the speciicexclusions reerred to under each section o cover.There is no cover under any section o this policy or any claim arisingdirectly or indirectly because o any o the ollowing:1. you travel:

(a) even thoughyou know you are unit to travel; or(b) against medical advice; or(c) whenyou knowyou will have to consult a medical practitioner; or(d) or the purpose o obtaining medical advice or treatment.

2. you maintain a course o treatment you were on at the time your

trip commenced, except where this is covered under Section F1Luggage and Personal Eects.

3. the illness, injuryor death, is caused or exacerbated by, orconsequential upon, an existing medical condition oyou, a membero the travelling partyor a non-travelling relative or business partner.This exclusion will not apply iyou have applied to cover the existingmedical condition, cover has been granted by us in writing andyouhave paid us any additional amount we asked or.

4. the illness, injuryor death oyou, a member o the travellingpartyor a non-travelling relative or business partner is caused orexacerbated by or consequential upon, any condition which hasbeen the subject o a medical investigation within the period o12 months prior to the issue o the Certiicate o Insurance, inrespect o which no diagnosis has been made.

5. the birth o a child, whatever the proximate cause is. (Unlessotherwise excluded by this policy and provided a Travellers Medical

Appraisal Form has been submitted and approved by us, we willcover pregnancy related illnesses o the mother, but not anyexpenses associated with or consequent upon the birth o a child).

6. any cover iyou are 70 years o age or over at the time theCertiicate o Insurance is to be issued unless you have applied orcover, cover has been granted by us in writing and you paid us anyadditionalpremium asked or.

7. the illness, injuryor death o a person who is not a member oyourtravelling partyand is 80 years o age or over at the time theCertiicate o Insurance is issued.

8. any cover under the Annual Multi Trip Travel Plan whereyou are 70 yearso age or over at the time the Certiicate o Insurance is to be issued.

9. a member o the travelling partydecides to alter their plans or notto continue with the trip.

10. illness or death where a metastatic condition and/or terminal prognosiswas made, in relation to any medical condition, prior to the issue o the

Certiicate o Insurance or 30 days prior to booking any trip under theAnnual Multi Trip Travel Plan.11. a member o the travelling party:

(a) deliberately injures themsel; or(b) being under the inluence o, or is addicted to, intoxicating

liquor or a drug, except a drug taken in accordance with theadvice o a registered medical practitioner; or

(c) suers any mental illness including dementia, depression,anxiety, panic attack, stress, bipolar, mania, schizophrenia orother nervous disorder; or

(d) suers HIV with AIDS related inection or illness; or(e) takes part in a riot or civil commotion; or( ) acts maliciously; or(g) hunts, plays polo, races (except on oot), mountaineers or

rock climbs using support ropes, participates in basejumping,running with the bulls, takes part in a professional sporting

activity, or pot holing; or

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(h) travels in international waters in a private sail vessel orprivately registered sail vessel; or

(i) participates in, or trains or, aprofessional sporting activity; or(j) scuba dives unlessyou hold an open water diving licence or

were diving under licensed instruction; or(k) rides a motor cycle in excess o 100 cc (except as a pillion passenger)

without a licence that is valid inyourcountry o residence; or(l) rides a 4 wheel motor cycle even as a pillion passenger; or(m) participates in a snow sports activity without purchasing the

QBE addVANTAGE+Option.12. a loss which is recoverable under some other scheme. For

example, medicare, a private health und, national reciprocal

health und or scheme, workers compensation scheme, travelcompensation und or accident compensation scheme.13. any consequential loss or loss o enjoyment.14. a loss caused by, arising directly or indirectly rom or in any way

connected with a criminal or dishonest act by you or by a personwith whom you are in collusion.

15. a loss caused by, arising directly or indirectly rom or in any wayconnected with war, invasion, act o a oreign enemy, hostilities(whether war is declared or not), civil war, rebellion, revolution, militaryor usurped power or civil insurrection, except as provided or in event 3under What Are The Events That Will Be Covered Under Section A?

16. a loss caused by, arising directly or indirectly rom or in any way connectedwith the use, existence or escape o nuclear weapons material, or ionisingradiation rom, or contamination by, radioactivity rom any nuclear uel, ornuclear waste rom the combustion o nuclear uel.

17. a loss caused by, arising directly or indirectly rom or in any wayconnected with any government intervention, prohibition, orregulation except as provided or in event 6 under What Are TheEvents That Will Be Covered Under Section A?.

18. a government authority seizing, withholding or destroyinganything oyours or any prohibition by or regulation orintervention o any government or any government not allowingyou to enter or to stay in that country.

19. an act or threat o terrorism. This exclusion does not apply to SectionB1 Medical And Dental Expenses Overseas Or Onboard a CruiseShip in Australian Waters, Section D6 Hijacking, D7 EmergencyAccommodation Due To Terrorism, Section F1 Luggage or PersonalEects or under Section C1 Medical Evacuation And Repatriation orthe cost orepatriation to or within Australia, i the carrierrequires youto be brought back with a medical escort.

20. the cancellation or delay o travel arrangements due tomechanical breakdown o transportation or ailure o thecarrierto operate the service.

21. you ail to take reasonable precautions to avoid a inancial loss ater apublic warning o a strike, riot, civil commotion, or natural disaster.

22. you operate a rental vehicle in violation o the rental agreement.23. the financial defaulto a travel agent, scheduled serviced airlines,

hotel and resort operators, car and campervan hire companies,cruise lines, railway operators and theme park operators to theextent that yourloss is covered by a scheme or und (not acontract o insurance), or would be covered but or this insurance.

24. the financial defaulto any person, company or organisationinvolved inyourtravel arrangements and that financial defaultoccurred prior to the issue o the Certiicate o Insurance.

25. a loss under the Annual Multi Trip Travel Plan which occurs inexcess o 60 days o any trip or in excess o 90 days o any trip iyou have purchased the QBE addVANTAGE+Option, unless youhave applied or a trip extension and it has been approved by us.

26. credit card conversion ees or any other bank charges.

Section A - CancellationAnd Additional ExpensesAm I Covered Under Section A?

Section A is divided into dierent beneits which apply depending on thetravel planyou have chosen. This plan appears onyourCertiicate o Insurance.

International Travel Plan All Sections

Annual Multi Trip Travel Plan All Sections

Australian Travel Plan All Sections

Deposit Protection Travel Plan Section A1 - A3

Australian Cancellation AndAdditional Epenses Travel Plans

All Sections

All sections relevant to theselected travel plan

You must read Section A together with the General Exclusions,as these may aect yourcover.

What Are The Events That Will Be Covered Under Section A?

We will coveryou under Section A in respect oyourplanned trip i one othe ollowing events occurs ater the issue o the Certiicate o Insurance:

1. you are unable to start or inish the trip because o the death, suddenserious illness or serious injuryarising beore or during the trip o:

a member oyourtravelling party; or

a relative or business partner or person in the same employ as

you, who is a resident in Australia or New Zealand.But beore we will coveryou,you must provide us with proo that:

the death has occurred or the illness or injuryrequireshospitalisation or coninement; or

in the case o a business partner or person in the sameemploy as you, the persons absence made the cancellationor ending o the trip necessary, and you have writtenconirmation o that act rom a senior representative ordirector o the business.

2. a claim arising rom an existing medical condition o a member oyourtravelling partyor a non travelling relative or business partner iyou haveapplied to cover the existing medical condition, cover has been grantedby us in writing andyou have paid us any additional amount we askedor, or i the member oyour travelling partywho is suering rom theexisting medical condition has taken out alternative insurance.

3. yourpre-paid scheduled public transportservices or pre-paid tourhave been cancelled or restricted because o severe weather,natural disaster, riot, strike or civil insurrection.

4. yourpre-paid accommodation has been destroyed or is uninhabitabledue to severe weather or natural disaster and no alternative equivalentaccommodation is available in the vicinity. You must have doneeverything reasonable to obtain alternative accommodation.

5. a member o the travelling partyis required to do jury service or hasreceived a summons to give evidence in a criminal court o law.

6. a member o the travelling partyis conined in compulsory quarantine.

7. you have been involved in, or yourtravel arrangements have beencancelled or delayed by, a motor vehicle, railway, air or marineaccident or incident. You must have written conirmation o theaccident or incident rom an oicial body in the country where theaccident or incident happened.

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8. yourpassport, travel documents or credit cards are lost or damaged.

9. a member ofyourtravelling party, who is a full time student, isrequired to sit supplementary examinations conducted by theireducational institution.

10. a member ofyourtravelling partyhas been made redundant fromfull-time permanent employment in Australia.

11. the cancellation of pre-arranged leave byyouremployer for amember ofyourtravelling partywho is a full-time permanentemployee of the police, fire, ambulance or emergency services.

12. you are unable to start the trip because youremployer cancelsyourpre-arranged leave and you are in full-time permanent

employment. Cover is only available ifyou purchased this travelinsurance no later than 7 days of paying final monies for yourprepaid travel arrangements and is limited to $1,000 per adult,including any accompanying child or children.

13. yournormal place of residence or business premises in Australiahas been destroyed or rendered insecure due to a natural disaster,fire or malicious damage.

14. a wedding, conference, pre-paid concert, course, tuition or sportingevent has been cancelled, and the sole purpose of the trip is to attendthat wedding, conference, concert, course, tuition or sporting event.

15. a member ofyourtravelling partyhas been effected by any formof insolvency, administration or bankruptcy of their employer.

16. a tour operator or wholesaler has cancelled a tour because there arenot enough people to begin or complete the tour. Cover is limited tothe pre-paid cost of the transport arrangements purchased solely to

get to the departure point and returning from the finishing point ofthat tour, or rearrangement costs, whichever is the lesser.

17. the financial defaultof scheduled service airlines, hotel andresort operators, car and campervan hire companies, cruise lines,railways operators and theme park operators excluding travelagents. Cover is limited to $10,000 Annual Multi Trip Travel Planand the International Travel Plan and $5,000 on Australian TravelPlan. Cover not available on Deposit Protection or AustralianCancellation And Additional Expenses Travel Plans.

Section A1 Cancellation Or Holiday Deferment Costs

When Does The Cover Begin And End?

The cover under this benefit for the International, Deposit Protection,Australian and the Australian Cancellation And Additional Expenses

Travel Plans begins from the time the Certificate of Insurance is issuedtoyou and ends when you return to your home in Australia or when theperiod of insurance ends, whichever happens first.

The cover under this benefit for the Annual Multi Trip Travel Plan beginsfrom the time the Certificate of Insurance is issued to you and ends at thecompletion of any trip or when theperiod of insurance ends, whicheverhappens first.

What Is Covered?

We will pay the value of unused pre-paid travel arrangements, less anyrefundsyou are entitled to, ifyou have to cancel these arrangementsbecause of an event set out under What Are The Events That Will BeCovered Under Section A?, or the reasonable cost of rearranging yourtrip, provided that this cost is not greater than the cancellation fees or lostdeposits which would have been incurred had the trip been cancelled.

We will also pay the value of pre-paid theme park and event tickets,golf green fees or tuition fees that cannot be used due to illness, injuryor death, less any refunds you are entitled to, ifyou have to cancelthese arrangements.

I cancellation is due to an illness or injury you must provide us withdocumentation rom yourtreating doctor to conirm you are unit tocommence or continue with your trip.

What Is Not Covered?

1. We will not pay or the value o unused pre-paid transportcosts where we have repatriatedyou a distance equivalent to,or greater than, the total distance remaining onyouritineraryat the point orepatriation. Where the total distance o therepatriation is less than the unused travel arrangements we willcalculateyourentitlement on a pro-rata basis, taking into accountthe cost oyouroriginal ticket.

2. We will not pay or the value o any pre-paid snow sportarrangements

except whenyou have purchased the QBE addVANTAGE+

Optionand cover is as provided or under Section J.

What Is The Most We Will Pay?

The most we will pay per adult, including any accompanying child orchildren under this beneit, is the amount set out in the section in theSchedule o Beneits which relates to the travel plan you have chosen,unlessyou are claiming or pre-paid theme park and event tickets, golgreen ees or tuition ees that cannot be used because o an event set outunder What Are The Events That Will Be Covered Under Section A? whichare limited to $500 per adult, including any accompanying child or children.

Section A2 Emergency Travel Arrangements

And Accommodation Expenses


The cover under this beneit begins rom the time you leave onyour

trip and ends whenyou return toyour home in Australia or whentheperiod of insurance ends, whichever happens irst.

What Is Covered?

We will coveryou or expensesyou incur or reasonable additionaltravel, accommodation, meals and internet use and emergencytelephone calls iyou have to interruptyourtrip ater it has begun, becauseo an event set out under What Are The Events That Will Be Covered UnderSection A?. I the interruption toyourtrip requires repatriation reer toSection C or details o cover.

You must not organise any additional travel or accommodation inexcess o $1,000 without ourprior consent.


1. Any additional travelyou undertake must be at the are classthatyou originally chose, except where we agree dierently on

the basis o a written recommendation romyourtreating doctor.2. Iyou return to your home in Australia because o the interruptionandyou do not have a return ticket at the time o the event thatcauses a claim under this section, we will deduct rom the amountwe payyou the cost o an economy class airare at the carriersregular published rates or the return journey.

3. We will not pay or any expenses you incur to resume yourtripateryou have returned to your home in Australia, except as setout under Section D4 Resumption O Trip.

4. We will not pay or additional travel or accommodation expenseswhen you have made a claim under another section o this policyor cancelled accommodation expenses covering the same periodo time or or additional transport covering an equivalent distance.

5. We will not pay or accommodation expenses or periods where youhave not oreited pre-paid accommodation arrangements, except

as set out under Section B4 Post Hospital Accommodation.28 29


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1. There is no cover or any medical, hospital, ambulance or dentalexpensesyou incur in Australia, except when incurred on boarda cruise ship in Australian waters iyou have purchased theAustralian Travel Plan with the QBE addVANTAGE+Option. Wecannot cover these because we are not allowed to do so by law.

2. There is no cover under this beneit because o an illness or injury,the signs and symptoms o whichyou irst became aware obeore youwent onyourtrip.

3. There is no cover or any person whose date o birth is aterthe date that the Certiicate o Insurance was issued unless you

advised us and we agreed to provide cover.4. There is no cover or damage to dentures or dental prostheses

under this section. Reer to Section F1 Luggage and PersonalEects or cover that may be available.

5. There is no cover or expenses incurred or dental treatment due tonormal wear and tear or the normal maintenance o dental health.

6. There is no cover or any existing medical condition or anymember o the travelling partyunlessyou have applied or coveror the existing medical condition, we have agreed to cover it inwriting and, i applicable,you have paid the additional premium.

7. There is no cover or ongoing payments under this beneit iwedecide on the advice o a doctor appointed by us thatyou arecapable o being repatriatedto or within Australia. Iyou do notagree to return toyour home in Australiawe may choose not to makeany urther payment or medical expenses and associated costs as

determined by us.


The most we will pay per adult, including any accompanying child orchildren under this beneit, is the amount set out in the section in theSchedule o Beneits which relates to the travel plan you have chosen.

Section B2 - Hospital CompensationNo excess applies to claims under this beneit.


The cover under this beneit begins when you are hospitalisedoverseas and ends whenyou are released rom hospital.

What Is Covered?

We will coveryou iyou are hospitalised overseas or more than 48continuous hours because o an illness or injurywhich irst happenedwhileyou were outside Australia onyourtrip.


We will pay you $75 or every 24 hours up to a maximum o $8,000per adult, including any accompanying child or children.

Section B3 - Critical Illness Or Injury - Emergency

Travel Expenses For A Relative


The cover under this beneit begins when you are hospitalisedoverseas and ends whenyou are discharged rom hospital.

What Is Covered?

We will pay or a return economy class air are and reasonableaccommodation or a riend or relative to travel directly to you,iyou are hospitalised as a direct result oyou suering a suddenlie-threatening critical injuryor illness duringyourtrip. Beore we

will pay this you must give us a written recommendation rom yourtreating doctor and you must have ourconsent.


We will pay you up to a maximum o $20,000 per adult, includingany accompanying child or children.

Section B4 - Post-Hospital AccommodationNo excess applies to claims under this beneit.


The cover under this beneit begins when you leave hospital andends whenyourtreating doctor deemsyou are it to resume yourtrip, or ater 5 days, whichever occurs irst.

What Is Covered?

We will coveryou iyou are hospitalised overseas or more than 48 hours

because o an illness or injurywhich irst happened whileyou wereoutside Australia onyourtrip, andyou need accommodation to recoverromyourillness or injuryateryou leave hospital.

Beore we will pay this you must give us a written recommendationromyourtreating doctor andyou must have ourconsent.


1. We will not pay or post-hospitalisation accommodation expenseswhenyou have also made a claim or cancelled accommodationexpenses covering the same period o time.


We will pay you the daily amount o $100 up to a maximum o $500per adult, including any accompanying child or children.

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Section C2 - Non-Medical Evacuation And Repatriation


The cover under this beneit begins when you leave onyourtripand ends whenyou are returned to your home in Australia or whentheperiod of insurance ends, whichever happens irst.

What Is Covered?

We will coveryou iyou have to interruptyourtrip ater it has begunbecause o one o the events listed in What Are The Events That Will BeCovered Under Section A?, whileyou are onyourtrip, and in ouropinionyou need to be evacuated or repatriated.

We will pay expenses which we believe are reasonable and necessaryto bring you back to your home in Australia or to another destination oourchoice on the International or Annual Multi Trip Travel Plans.

The decision to evacuate or repatriateyou is ours, and wewill not pay or anyevacuation or repatriation expenses unlessyou have received ourprior consent.


1. Wewill not coveryou iyou evacuate or repatriate without ourconsent.

2. We will not pay or any expenses you incur to resume yourtripater you have returned to your home in Australia.

3. For repatriation, we will not pay more than the cost orepatriationto your home in Australia.

4. Any additional travelyou undertake must be at the are class thatyou originally chose unless you have ourconsent.

5. Iyou do not have a return ticket at the time o the event that

causes a claim under this section, we will deduct rom the amountwe payyou the cost o an economy class airare at the carriersregular published rates or the return journey.


The most we will pay per adult, including any accompanying childor children under this beneit, is the amount set out in the section in theSchedule o Beneits which relates to the travel plan you have chosen.

Section D - Extra Travel CoverAm I Covered Under Section D?

Section D is divided into dierent beneits which apply depending on thetravel planyou have chosen. This plan appears onyourCertiicate o Insurance.

International Travel Plan Section D1 - D10

Annual Multi Trip Travel Plan Section D1 - D11Australian Travel Plan Sections D1, D3, D5 - D7 and D10

Deposit Protection Travel Plan No Cover

Australian Cancellation And

Additional Epenses Travel PlansNo Cover

All sections relevant to theselected travel plan

You must read Section D together with the General Exclusions,as these may aect yourcover.

Section D1 - Travel DelayNo excess applies to claims under this beneit.


The cover under this beneit begins when you leave on yourtripand ends whenyou return to your home in Australia or when theperiod of insurance ends, whichever happens irst.

What Is Covered?

We will coveryou iyourscheduled public transportrom or withinAustralia or overseas in respect o any individual leg oyourtrip is delayedor at least 6 hours or a reason outsideyourcontrol, and or each subsequent24 hours (or part o that time) rom the original departure time.


1. Iyou are entitled to a claim under Section A2 there is no coverunder this beneit.


The most we will pay per adult, including any accompanying child orchildren under this beneit, is the applicable limitwhich is the total o:(a) the reasonable cost o rearrangingyourtravel arrangements,

including additional accommodation and travel arrangements toresumeyourpre-paid arrangements; and

(b) up to a maximum o $250 per day or the International and AnnualMulti Trip Travel Plans and $75 or Australian Travel Plan or the costo reasonable additional accommodation and $50 or meals.

Iyou have purchased the QBE addVANTAGE+Option, then we willdouble the maximum per day or accommodation and meals, and the

total applicable limit.

Section D2 - Airfare Compensation


The cover under this beneit begins when you leave Australia onyourtrip and ends whenyou return to your home in Australia orwhen the period of insurance ends, whichever happens irst.

What Is Covered?

We will cover you i, because o an injuryoccurring during youtrip that happens ater yourdeparture rom Australia, the carrierrequiresyou to be brought back to Australia with a medical attendant.

However, we will only do so i either:

there are more than 5 days o the trip, or 25% o the length,whichever is the greater, remaining; or

you have been conined to hospital overseas or more than 25%o the trip.


The most we will payyou under this beneit is the cost oyouroriginalair ticket (less any reund that is due to you), up to a maximum o $6,000per adult, including any accompanying child or children.

Section D3 - Missed Connection - Special Events


The cover under this beneit begins rom the time you go onyourtrip and ends whenyou return to your home in Australia or whentheperiod of insurance ends, whichever happens irst.

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What Is Covered?

Wewill coveryou iyourtrip is interrupted by an event that is not anticipated,is unexpected, and outside oyourcontrol, andyou are unable to arrive atyourdestination by the time originally scheduled or the purpose o attendinga wedding, uneral, conerence, 25th or 50th Wedding Anniversary or sportingevent which cannot be delayed as a consequence oyourlate arrival.

We will pay or the reasonable additional cost o using alternativepublic transport to arrive at the destination on time.


The most we will pay under this beneit is $2,500 on the InternationalTravel Plan per adult, including any accompanying child or children,$2,500 on the Annual Multi Trip Travel Plan per adult, and iyou havepaid the upgrade ee, any accompanying child or children and spouse ordeacto partner, or $2,000 per adult, including any accompanying childor children on the Australian Travel Plan.

Section D4 - Resumption Of TripThis beneit is in place o, and not in addition to, any beneit payableunder Section A1 Cancellation Or Holiday Deerment Costs.


The cover under this beneit begins rom the time you go onyourtrip and ends whenyou return to your home in Australia or whentheperiod of insurance ends, whichever happens irst. There is no coverunder this policy or any period o time you are in Australia. The policywill recommence when you leave Australia to resume yourtrip.

What Is Covered?

Wewill coveryou iyou have to return to Australia with more than 25% oyourtrip remaining because o the hospitalisation or death o a relative inAustralia duringyourtrip as a direct result o sudden serious illness or seriousinjury. Wewill payyou or the transport costsyou have paid to resumeyouroriginal trip soyou can use any prepaid travel, accommodation or tours. Wewillextend this policy to cover the remainder oyourtrip where a claim is acceptedbyus under this beneit. In no other circumstances will the resumption oyourtrip be covered under this policy unlessyou have obtained ourconsent.


1. We will pay no more than the cancellation costs that wouldhave been incurred on those pre-paid arrangements had younot resumed yourjourney.


The mostwewill pay under this beneit is $2,500 on the International TravelPlan per adult, including any accompanying child or children, and $2,500 on

the Annual Multi Trip Travel Plan per adult, and iyou have paid the upgradeee, any accompanying child or children and spouse or deacto partner.

Section D5 - Withdrawal Of ServicesNo excess applies to claims under this beneit.


The cover under this beneit begins whenyou leave Australia onyourtrip and ends whenyou return toyour home in Australia or theperiodof insurance ends, whichever happens irst.

What Is Covered?

We will coveryou i all electrical and water acilities in yourroom; orwaiter service at meals, or kitchen services where no ood is served, or allchambermaid services are withdrawn due to unoreseeable circumstancesat the pre-paid accommodation thatyou are staying at duringyourtrip.

These services must be withdrawn or 48 hours continuously andyou must

have written conirmation oyourclaim rom the accommodation manager.


The most wewill pay under this beneit is up to $50 or each completed 24hour period up to a maximum $500 on the International Travel Plan per adult,including any accompanying child or children, $500 on the Annual Multi TripTravel Plan per adult, and iyou have paid the upgrade ee, any accompanyingchild or children and spouse or deacto partner, and $250 per adult, includingany accompanying child or children or the Australian Travel Plan.

Section D6 - Hijacking


The cover under this beneit begins whenyou leave Australia onyourtrip and ends whenyou return toyour home in Australia or theperiod

of insurance ends, whichever happens irst.What Is Covered?

We will coveryou i the scheduled public transporton whichyou aretravelling is hijacked duringyourtrip andyou subsequently wantto cancelyourtrip and return toyour home in Australia.

We will payyou oryourreasonable additional travel expenses and the cost opre-paid travel arrangements thatyou do not use, less any reunds due toyou.


The beneit under this section is unlimited.

Section D7 - Emergency AccommodationDue To Terrorism


The cover under this beneit begins whenyou leave onyourtrip and

ends whenyou return toyour home in Australia or when theperiodof insurance ends, whichever happens irst.

What Is Covered?

We will cover you ateryourtrip has begun or expenses you incuror necessary emergency accommodation iyourtrip is interrupteddue to a terrorist act.


The most we will pay under this beneit is a daily beneit o $300 up to amaximum o $3,000 per adult, including any accompanying child or children.

Section D8 - Domestic PetsNo excess applies to claims under this beneit.


The cover under this beneit begins when you leave Australia on

yourtrip and ends whenyou return to your home in Australia ortheperiod of insurance ends, whichever happens irst.

What Is Covered?

We will cover you or additional kennel or cattery boarding eesor domestic cats and dogs owned by you iyou are delayedbeyondyouroriginal return date because o an event set out underWhat Are The Events That Will Be Covered Under Section A?.


1. There is no cover or kennel or cattery ees incurred outsideAustralia or as a result o quarantine regulations.


The most we will pay under this beneit is up to $30 or each ull 24hour period, up to a maximum o $300 per adult, including anyaccompanying child or children.

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Section D9 - Childcare CostsNo excess applies to claims under this beneit.


The cover under this beneit begins when you leave Australia onyourtrip and ends whenyou return to your home in Australia ortheperiod of insurance ends, whichever happens irst.

What Is Covered?

Wewill coveryou or the additional cost o childcare provided by a registeredor appropriately qualiied childcare worker or a child or children who arerelated toyou, inancially dependant, under the age o 18 years at the time

the Certiicate o Insurance is issued and who are in yourull time care, iyouare delayed beyondyouroriginal return date because o an event set outunder What Are The Events That Will Be Covered Under Section A?.


1. There is no cover or childcare costs incurred outside Australia.


The most we will pay under this beneit is up to $75 or each ull 24 hourperiod, up to a maximum o $750 per adult, including any accompanyingchild or children.

Section D10 - Home And Contents Insurance ExcessNo excess applies to claims under this beneit.


The cover under this beneit begins when you leave on yourtrip

and ends whenyou return to your home in Australia or when theperiod of insurance

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