Product Disclosure Statement
In a nutshell
World Nomads supports a global community of independent and adventurous travellers by providing a range of travel services including travel insurance for Australians, which is managed by nib Travel Services (Australia) Pty Limited (nib) and underwritten by certain underwriters at Lloyd's (us and we).
This Product Disclosure Statement (PDS) is designed to explain the cover provided for a range of unexpected situations as you travel, work, volunteer or study overseas.
The Financial Services Guide has more information on how we work with World Nomads to provide this insurance to you.
Travel Insurance 101
Your coverage depends on:
- What happens. Each section under What's covered & not covered describes unexpected situations where cover is available and specific circumstances where cover is excluded. You should read all parts of this policy carefully to understand these situations, particularly the defined Insured Events under Section 3, which relate specifically to the cancellation and trip interruption coverage and the General Exclusions applicable to all parts of this policy.
- Your actions. Each section describes what you must do to activate coverage or make a claim under this policy. The General Exclusions and the Specific Exclusions under each section also describe situations or circumstances where cover is excluded based on your actions (or actions of others).
- Your medical history and the health of others in your travelling party and close relatives. This insurance only covers unexpected events and medical conditions you are unaware of at the time you buy or extend this policy. Cover for claims relating to pre-existing medical conditions are only covered under certain conditions explained in Health conditions & your policy.
- The plan you choose. You have a choice between a Standard Plan or an Explorer Plan, each with different policy benefits and limits to cover.
- The options or upgrades you buy. You can increase cover for high value items or for certain adventure sports, work and volunteer activities.
- The policy exclusions. This policy was never designed to cover everything. The section on What's covered & not covered will explain what's not covered under each specific section of your policy, and the General Exclusions will explain what's not covered under any part of this policy.
- The policy terms, limits and conditions, including any applicable policy excess or waiting period as shown in the Summary of Benefits, the Glossary (which explains the meaning of all words in bold) and What's covered & not covered sections.
5 key things you need to know
1. Buying this policy
- You can buy this policy to travel overseas if you're an Australian citizen or resident, you will be 69 years old or younger at the time you buy or extend your policy and you agree to be repatriated to Australia in a medical emergency.
- You can buy online, even if you're already travelling. If you extend your trip, you can extend your policy while travelling through your World Nomads membership.
- You have up to 14 days from the time you're issued your Certificate of Insurance and before you start your trip to decide if this policy is right for you and cancel your policy (this is your cooling-off period), provided you have not started your trip and do not wish to exercise any other right under the policy.
Why bother reading it? Isn't it just fine print?
Never assume you'll be covered because you think that's what travel insurance is for.
Please take the time to read your policy carefully to know what's covered, what's not covered, the limits to cover and the exclusions. If you don't understand it, just ask World Nomads.
2. How this policy works
- Your actions and the situations you find yourself in may impact on how this policy works and the coverage available under these situations. There are certain things which will limit or exclude cover, so you should read all sections of this policy to see what's covered and not covered, including the General Exclusions which are applicable to all sections. A $100 excess and/or waiting periods may also apply.
- Starting your trip activates the parts of this policy which cover you during your trip.
- You can return home for a visit at your own expense and resume your trip under the same policy before the policy Return date. If you decide to end your trip early or you don't resume your trip after being repatriated, your cover ceases and we will not refund you the unused portion of your premium.
3. Medical cover limitations
- This is not a health insurance policy. It will not cover all of your medical expenses, particularly for medical treatment not considered necessary by our medical specialists or for any medical treatment while in Australia.
- This policy excludes cover for many pre-existing medical conditions of you, your travelling party and close relatives which exist before you buy or extend this policy. There are some automatically covered pre-existing medical conditions under this policy when specific requirements are met.
4. Other key conditions to cover
- This policy covers unexpected and unforseen events and accidents while travelling overseas, including specific Insured Events if your trip is cancelled or interrupted. We won't cover you for cancellation or other expenses if you simply change your mind. We may limit your cover if your travel provider offers you an alternative, refund or credit. If an event is not specifically listed as an Insured Event, there is no cover for that event.
- If you become suddenly ill or seriously injured, we have the option to repatriate you to Australia for treatment if you're medically unfit to continue your trip. There's no cover for any expenses while in Australia.
- We cannot pay you for expenses you would usually have.This includes a return flight home if you're travelling on a one way ticket. For example: if it's determined that you should be repatriated home for medical treatment, we'll expect you to pay for an economy class airfare to return home; however, if medically necessary, we'll pay for any upgrade costs to travel home.
5. What you should do
- It's your responsibility to read this PDS carefully to help you understand the terms and conditions and limits that apply, what you need to do to activate the coverage and how you can make a claim for expenses or get help if you need it.
- You should contact our emergency assistance team for help if you're sick, injured, need emergency transport or repatriation before you commit to additional expenses.
- You should do everything reasonably practical to minimise your expenses. If you can claim from a third party other than an insurer, you must do this first before making a claim on this policy. Where the third party is another insurer, we'll ask you for their details and copies of correspondence with them to assist our recovery of any amount we pay you.
Summary of Benefits
World Nomads offers you a choice between a Standard Plan and an Explorer Plan, with different benefits, limits and sub-limits for each Plan.
This policy benefits comparison table helps you quickly identify the policy benefits, the levels of cover and where to find information about specific exclusions for each section.
This is only a summary of the cover we provide. You should read each policy section for a full description of the coverage, terms, conditions and exclusions that apply. You should also read the General Exclusions which are applicable to all sections of this policy.
The benefit limits shown are the maximum amount payable per policy for the duration of your trip. When you make a claim, a maximum $100 excess will be deducted for all claims made on any one event. A waiting period may also be applied per benefit, as shown.
Benefits, Limits and Sub-limits (per policy) |
Standard Plan |
Explorer Plan |
Excess/ |
What's not covered |
||
---|---|---|---|---|---|---|
Single |
Couple/Duo, Family |
Single |
Couple/Duo, Family |
1.1 Overseas medical expenses for up to 12 months after sudden illness first appears or serious injury first occurs
|
$5,000,000 |
$10,000,000 |
Unlimited |
Unlimited |
$100 |
|
1.2 Emergency dental treatment (sudden and acute pain) to healthy, naturalteeth |
$500 |
$500 per person, up to a maximum of $1,000 |
$500 |
$500 per person, up to a maximum of $1,000 |
$100 |
|
1.3 Alternative therapies treatment by a chiropractor, acupuncturist or osteopath, as prescribed by an authorised medical practitioner |
Not covered |
Not covered |
$500 |
$1,000 |
$100 |
|
1.4 Out-of-pocket expenses in hospital daily cash benefit after 48 hours |
Not covered |
Not covered |
$5,000 |
$10,000 |
48 hours |
|
1.5 Clinical psychology after assault or psychological trauma |
Not covered |
Not covered |
$250 |
$500 |
Nil |
Section 2 - Medical Evacuation & Repatriation
2.1 Emergency medical transport & repatriation for:
|
$500,000 |
$1,000,000 |
Unlimited |
Unlimited |
$100 |
|
2.2 Local funeral expenses or repatriation of remains home |
$15,000 |
$30,000 |
$15,000 |
$30,000 |
Nil |
Section 3 - Cancellation & Trip Interruption
3.1 Cancellation expenses for up to 14 Insured Events
› Tuition/course fees sub limit |
$3,500 $2,000 $1,500 |
$7,000 $4,000 $3,000 |
Unlimited $2,000 $1,500 |
Unlimited $4,000 $3,000 |
$100 |
|
3.2 Trip Interruption expenses › Phone/internet cost sub limit |
$2,500 $50 |
$5,000 $50 |
$5,000 $100 |
$10,000 $100 |
$100 |
|
3.3 Compassionate emergency visit (pre-approval required) |
$1,500 |
$3,000 |
$1,500 |
$3,000 |
$100 |
|
3.4 Resumption of trip (pre-approval required) |
$1,500 |
$3,000 |
$1,500 |
$3,000 |
$100 |
|
3.5 Kidnap or hijack cash daily benefit |
Not covered |
Not covered |
$2,500 |
$5,000 |
Nil |
Section 4 - Your Belongings
4.1 Baggage and personal items
|
$2,000 |
$4,000 |
$10,000 |
$20,000 |
$100 |
|
Item Limits |
||||||
› Portable electronic devices (including tablets, laptops, digital or video cameras, mobile phones and other hand-held devices) |
$500/item |
$500/item |
$2,000/item |
$2,000/item |
||
› Digital storage (hardware only) |
$50/item |
$50/item |
$100/item |
$100/item |
||
› All other items |
$350/item |
$350/item |
$700/item |
$700/item |
||
› Theft of cash |
Not covered |
Not covered |
$250 |
$250 |
||
|
$300 ($150/day) |
$600 ($300/day) |
$450 ($150/day) |
$900 ($300/day) |
12 hours |
|
4.2 Theft or accidental damage to your passport, travel documents and credit cards |
$1,500 |
$3,000 |
$1,500 |
$3,000 |
$100 |
|
4.3 Hire of sporting equipment over 12 hours |
Not covered |
Not covered |
$1,000 |
$2,000 |
12 hours |
|
4.4 Specified high value items › Sub limit for each item |
$6,000 $3,000/item |
$12,000 $3,000/item |
$6,000 $3,000/item |
$12,000 $3,000/item |
$100 |
Section 5 - Personal Liability
$1,000,000 |
$1,000,000 |
$2,500,000 |
$2,500,000 |
Nil |
Section 6 - Rental Vehicles
Not covered |
Not covered |
$3,000 |
$3,000 |
$100 |
||
Not covered |
Not covered |
$500 |
$500 |
$100 |
Section 7 - Personal Accident
7.1 Accidental death and permanent total disablement › Per person sub limit |
Not covered |
Not covered |
$12,500 N/A |
$25,000 $12,500 |
Nil |
|
Not covered |
Not covered |
$2,500 |
$5,000 |
Nil |
Special Features |
Standard Plan |
Explorer Plan |
Excess/ |
What's not covered |
||
---|---|---|---|---|---|---|
Single |
Couple/Duo, Family |
Single |
Couple/Duo, Family |
Section 8 - Adventure, Work, Study & Volunteer
Level 1 Low risk adventure sports and activities; non-manual and manual work, study and volunteer experiences. View list |
Included automatically |
Included automatically |
Included automatically |
Included automatically |
^ |
Certain sports and activities are not covered |
Level 2 Higher risk adventure sports and activities; non-manual and manual work, study and volunteer experiences. View list (optional) |
Optional upgrade to include |
Optional upgrade to include |
Optional upgrade to include |
Optional upgrade to include |
^ |
|
Level 3 Highest risk adventure sports and activities; non-manual and manual work, study and volunteer experiences. View list (optional) |
Optional upgrade to include all levels |
Optional upgrade to include all levels |
Optional upgrade to include all levels |
Optional upgrade to include all levels |
^ |
|
^ An excess and/or waiting period applies per event, depending on the situation and benefit claimed from participating in these adventure sports, work, study or volunteer activities. |
Homesick Visit
You can return home for any non-claimable reason and resume your trip under the same policy period |
One visit |
One visit |
One visit |
One visit |
N/A |
No cover for any expenses |
How it works
This section explains explains how the policy works, including important details on how your (and someone else's) health may affect your cover, when cover starts and ends and how to purchase cover if you extend your trip.
Who can buy this travel insurance?
You are eligible for cover under this insurance if you are an Australian citizen or resident who will be 69 years old or younger at the time you buy or extend your policy. You can buy this insurance if you intend to travel while overseas; for example, whether you're currently:
- at home in Australia;
- temporarily travelling, studying, working or living overseas;
- on a one way ticket and have no idea where your travels will take you; and/or
- planning to participate in a range of adventure sports and activities, going on a working holiday, or planning to study or volunteer (see Section 8 - Adventure, Work, Study & Volunteer for details).
You're not eligible for cover if you:
- intend to live overseas at a permanent residential address for more than two years;
- will be 70 years old or older at the time you buy or extend your policy;
- intend to use this policy in place of private health insurance; or
- don't wish to return to Australia (for example, in the event of a medical repatriation from overseas).
Policy excess & waiting periods
An excess and/or waiting period applies for certain claims related to a single event as shown in the Summary of Benefits and described in each section of What's covered & not covered.
Policy excess
You're required to contribute $100 (policy excess) towards all expenses arising from any one event, depending on the benefit claimed. Where applicable, the excess will be deducted from your claim before we pay you. If your combined expenses for any one event are less than the excess, we will not reimburse you.
Waiting periods
This is the amount of time you have to wait before cover is activated and/or before a benefit becomes payable. There are two types of waiting periods:
- Once cover is activated, a 12 or 48 hour waiting period applies to certain benefits, shown in the Summary of Benefits and the applicable benefit sections under What's covered & not covered, before a benefit becomes payable; and
-
If you buy a policy while travelling overseas, you have to wait 72 hours (waiting period) before cover is activated, as explained in When cover starts & ends.
Any applicable 12 or 48 hour waiting period will then be applied after the 72 hours or after the policy Departure date shown on your Certificate of Insurance, whichever comes later.
Why do I have to wait for cover?
A waiting period reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.
When cover starts & ends
The policy is only valid once the premium is paid and we issue a Certificate of Insurance through your World Nomads membership.
Coverage is activated depending on where you are when you buy or extend the policy, the date of purchase, the date you choose the cover to start (Departure date), the date your trip actually starts and the date you choose your cover to end (Return date).
Cover starts
The start of cover depends on whether you buy a policy at home or overseas (including when you extend your policy) and if the 72 hour waiting period applies as shown in the following table.
What are you doing? |
Where are you? |
Is there a waiting period? |
When does cover start? |
||
---|---|---|---|---|---|
Buying a new policy |
In Australia |
No. |
| ||
Outside of Australia |
Yes, depending on the Departure date you choose compared to the time your Certificate of Insurance is issued: |
If policy Departure date is within 72 hours of issue of your Certificate of Insurance: |
|
||
If policy Departure date is 72 hours or more after issue of your Certificate of Insurance: |
|
||||
Extending your policy |
Outside of Australia or in Australia |
No, as long as you extend your policy before 11:59pm Australian Eastern Standard/Daylight Time (AEST/AEDT) on the Return date shown on your Certificate of Insurance: |
You will have continuous cover, subject to the conditions described in the following section Buying cover when you extend your trip. The maximum duration available for any policy, including extensions, is 12 months from the Departure date. |
||
You cannot extend your policy once it has lapsed, but you can buy a new policy. |
In this table above, refer to 'Buying a new policy'. The start of cover depends on when you buy your new policy. |
Cover ends
Cover ends at 11:59pm local time, wherever you are in the world, on the Return date shown on your Certificate of Insurance or when you return home to end your trip, whichever happens first. Unless pre-approved, coverage also ends at that time for any ongoing medical treatment you were receiving under this policy for an injury or illness which first occurred during the period of insurance.
HOWEVER, the option to extend your policy may end earlier than when your cover ends. The option to extend your policy ends at 11:59pm AEST/AEDT on the Return date shown on your Certificate of Insurance. (In the event that 11:59pm local time is earlierthan 11:59pm AEST/AEDT, your cover and the right to extend your policy will both end at 11:59pm AEST/AEDT.)
The maximum duration available for any policy, including all extensions, is 12 months from the Departure date. For further details on extensions, refer to Buying cover when you extend your trip.
Delayed returning home?
If you're unexpectedly and unavoidably delayed returning home following an event covered under the policy (e.g. you become ill and you're unable to travel; your passport is stolen and you have to replace it before you can travel) or the scheduled transport you booked is delayed, your policy will be automatically extended beyond your Return date until the time you're capable of travelling to your final destination, or for a period of 6 months, whichever happens first. You must notify our emergency assistance team or us of your delay as soon as possible. If we determine the event is not covered under the policy, we will inform you and the automatic cover will immediately cease.
Returning home early?
If you choose to end your trip early for any reason, we won't reimburse any premium for any unused portion of your policy.
If you return home early due to a medical repatriation (Section 2.1) or compassionate emergency visit (Section 3.3), you can resume your trip under the same insurance period before the Return date shown on your Certificate of Insurance if you qualify for a resumption of trip (Section 3.4). Please note: you must get pre-approval from us to activate the medical repatriation benefit.
Feeling homesick?
You can take a break from your travels to return to Australia at your own expense and then resume the trip before the Return date shown on your Certificate of Insurance.
Your policy excludes expenses to return home for a visit for a non-claimable reason (unless it is covered under Section 2.1 - Emergency medical transport & repatriation or Section 3.4 - Resumption of trip), including expenses to return to Australia, while in Australia or to resume your trip.
If you return home, for any reason, it doesn't change the Return date of your policy. All cover ceases during your visit until you resume your trip overseas; then cover continues until the Return date shown on your Certificate of Insurance or when you again return home, whichever happens first.
Any illness or injury you have which first comes into existence, shows symptoms, is diagnosed or treated in Australia before you resume your trip will not be covered in the remaining insurance period, as it will be considered a pre-existing medical condition from the time you resume your trip.
Health conditions & your policy
Travel insurance only provides cover for emergency medical events overseas that are sudden and unforeseen. Our insurance only includes cover for certain pre-existing medical conditions listed as automatically covered pre-existing medical conditions and only when the specified requirements are met.
Carefully consider your medical history, as well as the health of your close relatives, others in your travelling party and anyone else, as your and their conditions (past or present) may affect your trip and cover. Remember, 'you' and 'your' in all sections of this PDS apply to all people listed as insured on your Certificate of Insurance.
Are my medical conditions automatically covered?
If you have a pre-existing medical condition (again, this applies to each person listed on your Certificate of Insurance), it will be automatically covered if you meet the following two requirements (unless we specify otherwise in this PDS):
- your condition is listed as an automatically covered pre-existing medical condition and you meet all specified criteria; and
- you haven't been hospitalised (including day surgery) or attended an emergency department in the past 24 months for that condition.
If you do not meet these requirements, we will not pay for any expenses arising from, affected by or exacerbated by that condition. Where automatically covered conditions become affected by excluded conditions, cover may be limited or excluded for those automatically covered conditions also, as explained in When your medical conditions are not covered, later in this section.
What is a pre-existing medical condition?
A pre-existing medical condition is where you, your travelling party, a close relative or any other person to whom this policy relates has any of the following eight conditions at the time you buy or extend this policy:
- any chronic or currently ongoing medical or dental condition of which you are aware or any complication related to any such chronic or current condition;
- any medical or dental condition, or related complication, the symptoms of which you are currently aware;
- a medical or dental condition that is currently being investigated or treated, or has been investigated or treated in the 90 days prior to the issue of your Certificate of Insurance, by a health professional (including chiropractor, physiotherapist or dentist);
- any medical condition, currently ongoing or experienced at any time in the past, involving your back, neck, brain, heart, circulatory system or respiratory system, or cancer;
- any condition for which you take prescribed medicine;
- any condition for which you've had surgery, or any complication arising from any surgery you've had, at any time, for any reason;
- any condition for which you see a medical specialist; or
- pregnancy.
This means you must consider pre-existing medical conditions:
- when you buy your initial policy; and
- when you extend your policy, if applicable (any condition you experience during any earlier period of insurance will be considered a pre-existing medical condition in any subsequent period of insurance); and
- if you return home. Any illness or injury you have which first comes into existence, shows symptoms, is diagnosed or is treated while in Australia during a home visit which breaks your trip will not be covered in the remaining insurance period, as it will be considered a pre-existing medical condition from the time you resume your trip.
How your health affects your cover
These questions apply to each person to be insured on your policy.
Automatically covered pre-existing medical conditions
- 1. Acne
- 2. Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hayfever
-
3. Asthma, providing you:
- have no other lung disease; and
- are less than 60 years of age at the time of policy purchase
- 4. Bell's Palsy
- 5. Coeliac Disease
- 6. Congenital Blindness
- 7. Congenital Deafness
-
8. Diabetes Mellitus (Types I and II), providing you:
- were diagnosed over 12 months ago;
- have no eye, kidney, nerve or vascular complications;
- don't also suffer from a known cardiovascular condition, Hypertension, Hyperlipidaemia or Hypercholesterolaemia; and
- are under 50 years of age at the date of policy purchase for Type I Diabetes
- 9. Folate Deficiency
- 10. Gastric Reflux
- 11. Graves' Disease
- 12. Hypothyroidism, including Hashimoto's Disease
- 13. Impaired Glucose Tolerance
- 14. Insulin Resistance
- 15. Iron Deficiency Anaemia
- 16. Migraine
- 17. Osteopaenia
- 18. Pernicious Anaemia
- 19. Plantar Fasciitis
-
20. Pregnancy: for a single, uncomplicated pregnancy which doesn't arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation, and where your trip finishes before the end of the 26th week of gestation.
Cover doesn't apply to claims arising from or related to:- a pregnancy where you experienced any complication - for any pregnancy - prior to policy purchase;
- a multiple pregnancy;
- regular antenatal care;
- childbirth at any time;
- care of a newborn child.
- Complication means any secondary diagnosis occurring prior to, during the course of, concurrent with, as a result of or related to the pregnancy which may adversely affect the pregnancy outcome.
- 21. Raynaud's Disease
- 22. Trigger Finger
- 23. Vitamin B12 Deficiency
How someone else's health may affect your cover
For claims arising from or exacerbated by a pre-existing medical condition suffered by a close relative or a member of your travelling party not listed as insured on your Certificate of Insurance, the most we'll pay in respect of all claims combined under all the policy sections is $2,000 per single policy and $4,000 per couple/duo, family policy. For claims arising from a pre-existing condition suffered by others who are not listed on your Certificate of Insurance, there is no cover.
When your medical conditions are not covered
If you have a pre-existing medical condition that is not covered, we will not pay for any claims arising from or exacerbated by that pre-existing medical condition. Furthermore, other people listed on your Certificate of Insurance will not have cover for their claims relating to your excluded condition.
Where you make a claim for a covered pre-existing medical condition but that condition is found to have been affected by or exacerbated by an excluded pre-existing medical condition, we may limit or exclude your cover for the covered condition. You may have to pay for all expenses incurred as a result of an excluded pre-existing medical condition, which can be prohibitive in some countries.
For example: You buy a policy and immediately leave on your trip. Within a week you receive sudden treatment for asthma (automatically covered). However, your treatment had to be varied specifically due to a complication with surgery you had one month earlier (excluded condition). Where your asthma treatment had to be varied because of the excluded condition, those associated costs may be limited or excluded.
Also, if your husband (listed on your policy) incurs extra expenses to stay with you while you're getting treatment, then these expenses may also be limited or excluded.
Our assessment of a medical-related claim will include verifying when you booked segments of your trip, when you purchased your travel insurance and when symptoms and/or treatment occurred.
You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered & not covered
This section describes what we'll pay and won't pay for those benefits shown in the Summary of Benefits for the plan you have purchased, what events trigger cover and what you must do to claim.
Section 1 - Emergency Medical & Dental Expenses Overseas
This section details the cover provided if you suffer a sudden illness or serious injury and treatment is certified as medically necessary by an authorised medical practitioner overseas and agreed by us.
What you must do
1. You must make an effort to keep your medical expenses to a minimum and take the advice of our emergency assistance team as it may affect your cover. If you don't contact our emergency assistance team as required, we may not fully reimburse you for your expenses or for any evacuation or airfares that have not been approved or arranged by us.
2. You, a member of your travelling party, a friend or close relative must contact our emergency assistance team immediately if you:
- suffer a sudden illness or serious injury;
- have an accident;
- need to go to hospital or have been admitted to hospital;
- get medical treatment as an outpatient, where the cost of treatment is likely to exceed $2,000;
- are seriously injured, are hospitalised or suffer psychological trauma in an assault (including mugging, kidnap or hijack); or
- need emergency transport, medical repatriation or a medical escort.
Our emergency assistance team will help direct you or move you to the appropriate hospital or health care facility. Subject to medical advice, you must take their recommendation as to where you can be treated to ensure you receive quality medical care.
In case of a serious injury, sudden illness, an accident or hospitalisation, contact our emergency assistance team immediately
From overseas:
+61 2 8263 0470 or
+61 2 8292 1470
Within Australia:
1300 787 375
SMS: +61 4 1720 4602
Email:
assist@worldnomads.com
Ask the local operator to connect you reverse charges or claim your call costs later.
You'll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.
3. If the total cost of your medical treatment is likely to exceed $2,000, you must contact our emergency assistance team immediately to confirm coverage under the policy and manage any potential claim.
In the case of hospitalisation, our emergency assistance team will coordinate payment directly with the hospital wherever possible, provided cover under the policy has been confirmed by us.
If the total cost of your medical treatment is unlikely to exceed $2,000, you'll pay for medical expenses and make a claim for reimbursement.
4. You must get copies of all medical records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim.
Your illness or injury must be confirmed in writing by your treating medical practitioner overseas, as before we can confirm cover:
- we'll need the medical report from your treating medical practitioner overseas of your condition, tests performed, diagnosis, and treatment provided; and
- we may ask for written verification of your medical history from your doctor at home.
All documents should be translated into English before you claim.
5. If you're involved in an accident and are hospitalised or suffer a serious injury, you must report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) within 24 hours or as soon as possible and provide a copy of the written report to verify your claim.
6. If you're a victim of an assault (e.g. mugging, kidnapping or hijack) and suffer a serious injury or psychological trauma, you must also report the incident to local police or other relevant authority within 24 hours or as soon as possible and provide a copy of the written report to verify your claim. Also, see Section 2.1 - Repatriation after assault and Section 3 - Cancellation & Trip Interruption.
7. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
1.1 Overseas medical expenses
If during your trip you suffer a sudden illness or serious injury and treatment is certified as medically necessary by an authorised medical practitioner or paramedic overseas and agreed by our emergency assistance team and us, we will pay for reasonable emergency, overseas medical treatment you require including:
- hospitalisation;
- day surgery or outpatient treatment;
- prescribed medicines; and
- prescribed physiotherapy treatments.
However, we'll only pay for any reasonable and necessary treatment and hospital accommodation you receive overseas and with our approval for up to a maximum of 12 months from the date the sudden illness first manifested or the serious injury happened.
The medical practitioners who treat you must be registered and licensed in the country in which they practice. Their treatment methods must be approved by local public health and government authorities and they must be licensed for those methods.
To receive the standard of care or treatment necessarily required for your condition and when you're able to be evacuated, we may decide on the advice of a medical practitioner appointed by us and our emergency assistance team to:
- transport you to other medical care facilities; and/or
- repatriate you home to Australia if you're declared medically unfit to continue your trip.
If you choose not to follow our emergency assistance team's recommendations or you refuse to return home for treatment, we may limit our payment up to the equivalent amount which we would have assessed as being covered had you followed the recommendations. You'll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming.
If the cost of your medical and related expenses overseas could exceed the cost of returning you to Australia and resuming your trip under Section 3.4 - Resumption of trip, we may at our sole discretion limit our liability to the lesser of the costs we would incur. You'll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming.
There's a $100 excess payable per event.
1.2 Emergency dental treatment
We'll pay for emergency dental treatment overseas which the dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth. Teeth must be whole or properly restored (with fillings only) and without impairment, periodontal or other conditions.
There's a $100 excess payable per event.
1.3 Alternative therapies (Explorer Plan)
If you've purchased the Explorer Plan, we'll pay for alternative therapy treatment by a chiropractor, acupuncturist or osteopath for your sudden illness or serious injury overseas where:
- treatment is prescribed by an authorised medical practitioner; and
- treatment is given by a registered and licensed practitioner.
There's a $100 excess payable per event.
1.4 Out-of-pocket expenses in hospital (Explorer Plan)
If you've purchased the Explorer Plan, you'll receive reimbursement of your out-of-pocket expenses up to $50 per day, up to the limit in the Summary of Benefits, after the first 48 consecutive hours (waiting period) you're necessarily confined to hospital overseas:
- due to a sudden illness or serious injury; and
- when a claim is payable under Section 1.1.
These expenses may include phone calls, internet or television access, food and other expenses payable while in hospital and supported by receipts when you make a claim.
1.5 Clinical psychology (Explorer Plan)
If you've purchased the Explorer Plan and during your trip you are assaulted (e.g. mugged, kidnapped or hijacked) and are hospitalised or suffer a serious injury or psychological trauma, we'll pay your expenses to visit a psychiatrist or registered counsellor overseas when prescribed by an authorised medical practitioner.
Also see Section 2.1 - Repatriation after assault and Section 3 - Cancellation & Trip Interruption.
What's not covered - Specific Exclusions under Section 1
We won't pay for overseas medical or dental expenses arising in any way from:
- Any pre-existing medical condition, except as described in Health conditions & your policy.
- Private hospital or medical treatment you received where public funded services or care was available in that country and/or under any Reciprocal Health Care Agreement between the Australian Government and the government of any other country, unless pre-approved by us. Please see www.humanservices.gov.au for further information and the latest list of reciprocal countries.
- Any medical condition you suffered in previous periods of insurance (i.e. prior to purchasing more cover), unless agreed by us.
- Your failure to follow the instructions of your medical practitioner, our emergency assistance team or us. If you decline to promptly follow the advice given, we will not be responsible for any subsequent medical, hospital or evacuation expenses relating to or arising from that condition.
- Expenses which we or our emergency assistance team determine are not reasonable or medically necessary.
- Treatment which in the opinion of the attending medical practitioner, our emergency assistance team or us can be reasonably delayed until your return home.
- Choosing an alternative therapy (including but not limited to acupuncture, chiropractic or osteopathic treatment) over prescribed medical care. We will not be liable for any further or consequential injury or illness you suffer as a result of such treatment.
- Any medical expenses where you're unable to provide verification of your condition by the treating practitioner, a doctor's report and clinical notes or where you can't provide proof of your expenses, including original receipts, if we ask for them.
- Medical or dental expenses incurred while you're in Australia. This policy doesn't replace private medical insurance or Medicare.
- Routine or elective treatment or surgery and related complications, including specialist review or referral and exploratory tests.
- Dental treatment arising from the deterioration and/or decay of teeth or associated tissue; involving the use of precious metals; cosmetic dentistry; dental treatment not required for the immediate relief of pain to healthy and natural teeth, such as but not limited to major dental work like crowns, bridges, dental prostheses.
- Additional hospital costs for single or private room accommodation, unless medically necessary.
- Treatment or services performed by you, a member of your travelling party, your close relative or an enterprise owned by any one of these people without pre-authorisation from us or our emergency assistance team.
- Maintaining a course of treatment or medication you were on prior to your Departure date or prior to you purchasing more cover, as described under How to buy it.
- Expenses for alternative therapies if you haven't purchased the Explorer Plan.
- Out-of-pocket expenses in hospital if you haven't purchased the Explorer Plan.
- Clinical psychology after assault if you haven't purchased the Explorer Plan.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 2 - Medical Evacuation & Repatriation
This section details the cover provided if you suffer a sudden illness or serious injury or you die overseas and you require emergency medical transport or repatriation home for medical reasons.
What you must do
- As soon as possible, you, your travel companion, friend or close relative must contact our emergency assistance team for assistance if you're in an accident, suffer a sudden illness or serious injury or die. Our emergency assistance team will help arrange medical transport, provide directions to the nearest, most appropriate medical facility or organise your repatriation home. If you choose not to contact or take the advice of our emergency assistance team, we may limit or reduce your cover.
- If you require medical treatment, follow the instructions under Section 1 - Emergency Medical & Dental Expenses Overseas.
- If you're travelling on a one way ticket, we expect you to pay the cost of an economy class airfare home, as this is considered a reasonable and necessary cost you'd ordinarily incur during your trip. Our emergency assistance team can help find and book a suitable airfare, so please advise them of your travel arrangements when you call.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
2.1 Emergency medical transport & repatriation
We'll pay for reasonable and necessary additional expenses for your medical evacuation by ambulance or other appropriate transport if you suffer a sudden illness or serious injury during your trip and it's medically necessary for you to be transported to the nearest, most appropriate medical facility for treatment.
We'll also pay towards your repatriation home if:
- you're declared medically unfit to continue with your travels; or
- the sudden illness or serious injury causes your death.
Cover is subject to our emergency assistance team first deciding that:
- transportation is medically necessary; and
- the style and timing of the transportation are reasonable and appropriate; and
- you're medically fit to be evacuated; and
- you should be transferred to Australia or to the nearest medical facility for appropriate treatment.
Following your medical repatriation home, you may resume this trip under the same period of insurance as shown on your Certificate of Insurance. For more details on the terms of cover if you wish to resume your trip, refer to Section 3.4 - Resumption of trip.
If the cost of your medical and related expenses overseas could exceed the cost of returning you to Australia and resuming your trip under Section 3.4 - Resumption of trip, we may at our sole discretion limit our liability to the lesser of the costs we would have incurred.
If you choose not to follow our or our emergency assistance team's recommendations, you make your own arrangements for transport or you refuse to return home for treatment, we may limit our payment up to the equivalent amount which we would have assessed as being covered had you followed the recommendations. You'll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming.
In the event of repatriation, we'll use your return ticket to reduce our costs. If you don't have a return ticket and you need to return home for a covered reason, or if you require a higher class fare to travel based on advice we receive from our emergency assistance team, we'll deduct from your total claim the cost of an economy class airfare at the carrier's regular published rates for the journey home or the actual cost incurred, whichever is less. If you don't have any other claim from which we can deduct this cost, we'll seek recovery directly from you following your return home.
Please note: These Section 2 benefits are payable for up to a maximum of 12 months from the date the sudden illness first manifested or the serious injury happened.
There's a $100 excess payable per event.
Repatriation after assault or psychological trauma
If you're a victim of an assault (e.g. a mugging, kidnap or hijack) and suffer a serious injury or psychological trauma, we'll cover you if your treating physician overseas and our emergency assistance team agree on the medical necessity of repatriating you home, up to the cost of an economy class airfare and related travelling expenses, as approved by us. We'll use your return ticket to reduce our costs in repatriating you home, as described in this Section 2.
There's a $100 excess payable per event.
Accompanying person
Following your sudden illness or serious injury overseas, where you've been admitted as an inpatient in hospital, we'll pay for one person to travel to and remain with you in hospital and/or accompany you during your medical repatriation home in place of an attending physician, as follows:
- the accompanying person may be a member of your travelling party, a friend or a close relative;
- we'll pay up to the equivalent cost of a return economy class airfare from Australia and reasonable additional travel, accommodation and daily expenses for the accompanying person; and
- you must have written advice of this need from your treating doctor overseas and approval from us.
This includes one adult to accompany an insured child who has been hospitalised as an inpatient following their sudden illness or serious injury and/or during their medical repatriation home.
There's a $100 excess payable per event.
2.2 Local funeral expenses or repatriation
In the event of your sudden and unexpected death overseas, and at the request of your next of kin, we'll arrange for either:
- local burial or cremation overseas; or
- transport of your remains home.
Expenses will be reimbursed for one close relative or a member of your travelling party to travel to and accompany your remains on the repatriation home. We will pay the reasonable and necessary additional travel and accommodation expenses, including the cost of an economy class airfare.
What's not covered - Specific Exclusions under Section 2
We won't pay for overseas medical transportation or costs to repatriate you in any of the following circumstances:
- The cost incurred for transport or medical evacuation to a medical facility, repatriation home, local burial/cremation or transport to bring your remains back to Australia, unless approved by our emergency assistance team or us.
- Where you don't have a return ticket, the cost of an economy class airfare at the carrier's regular published rates for the journey home, or the actual cost incurred, whichever is less.
- Where we or our emergency assistance team, in consultation with your treating medical practitioner (where applicable), deem that your transport, evacuation or repatriation is not medically necessary or reasonable.
- For any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming where you refuse to be repatriated after being declared medically unfit to continue on your trip.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 3 - Cancellation & Trip Interruption
This section details the cover provided if you have no option but to cancel, rearrange, resume or catch up to your original travel plans following specific Insured Events listed below. The event must be sudden, unforeseen, unavoidable and outside your control, and it must happen after we have issued your Certificate of Insurance. If an event is not specifically listed, there is no cover under this section.
We'll pay for reasonable additional transport and accommodation expenses and cancellation expenses which are attributed directly to the Insured Event. We won't pay for travel or other expenses you'd usually have if the event didn't happen.
For example: You're charged a 100% cancellation fee for your pre-booked accommodation at your destination as you're not able to get there due to an Insured Event. We'd reimburse you the 100% cancellation fee which is directly attributed to the Insured Event. We won't pay for you to stay overnight wherever you are (especially if you decide you'll upgrade your accommodation to a 5 star hotel), as ordinarily you'd have to stay somewhere that night if the Insured Event didn't happen (i.e. you cannot profit from the event). However, if you can rebook the accommodation instead, then you should do this, as your claim may be affected if you do not try to minimise your expenses.
You must also purchase the correct plan to claim certain benefits for certain Insured Events as shown below.
Insured Events |
Range of applicable benefits |
|||
---|---|---|---|---|
Cancellation and trip interruption cover applies to the following Insured Events and only when they are sudden, unforeseen, unavoidable, outside your control and occurring after we issue your Certificate of Insurance. |
Cancellation |
Compassionate Emergency Visit |
Resumption of Trip |
Kidnap or Hijack Daily Benefit (Explorer Plan only) |
1. The sudden death, sudden illness or serious injury of:
|
N/A |
|||
2. The sudden death, sudden illness or serious injury of
|
N/A |
N/A |
N/A |
|
3. The Australian Government or other official authority has issued a Do Not Travel warning to a specific region or country and that warning was first given after you purchased the policy and after you booked the arrangements. |
N/A |
N/A |
N/A |
|
4. A natural disaster or fire striking your home (or your owned business premises) in Australia and it's severely damaged. |
N/A |
|||
5. Cancellation, delay or restriction of your plans by your travel service provider due to severe weather, natural disaster, hijacking or strike. |
N/A |
N/A |
||
6. You or a member of your travelling party are directly involved in a motor vehicle, railway, air or marine accident resulting in your inability to meet your connecting transport. |
N/A |
N/A |
N/A |
|
7. Theft or damage of your or a member of your travelling party's passport (excluding government confiscation for any reason not related to damage), travel documents or credit cards. |
N/A |
N/A |
N/A |
|
8. Cancellation of a pre-paid, overseas tour, conference, music concert, international sporting event, funeral or wedding, or you being forced to use alternative public transport to arrive on time to attend this event. |
N/A |
N/A |
N/A |
|
9. Cancellation of your full time work, internship, apprenticeship, volunteer placement or study course, which you were confirmed to attend for at least 50% of your trip. |
N/A |
N/A |
N/A |
|
10. You or a member of your travelling party is a full time student and required to sit a supplementary exam. |
N/A |
N/A |
N/A |
|
11. Cancellation or rearrangement due to an unavoidable riot, strike, civil commotion, insurrection, political unrest or martial law affecting the specific region you've booked to travel to or are already staying in. |
N/A |
N/A |
N/A |
|
12. You or a member of your travelling party is called on as a witness (but not as an expert witness) or for jury service in Australia before your policy Departure date, forcing you to cancel or rearrange your plans. |
N/A |
N/A |
N/A |
|
13. Your unexpected/involuntary redundancy or cancellation of your pre-arranged leave by your employer, where you're in full time permanent employment, occurring before your policy Departure date and forcing you to cancel or rearrange your plans. |
|
N/A |
N/A |
N/A |
14. You are mugged, physically assaulted, kidnapped or hijacked causing serious injury or psychological harm, which is confirmed in writing by a medical practitioner. |
|
N/A |
|
Key
Refer to each sub-section for the applicable terms and conditions, limits and exclusions to cover.
N/A This benefit is not applicable under this Insured Event.
What you must do
- You must comply with the minimum transit and check in times as required by your transportation provider or at least three hours, whatever is longer. Traffic delays are not an Insured Event, unless you're in an accident.
-
You must immediately contact your carrier, travel services provider, education or related provider and make all attempts to seek compensation or offers to rearrange or reschedule your plans before deciding to incur additional expenses, change your travel plans or make a claim with us.
You must do everything reasonable and necessary to avoid or minimise your expenses following an Insured Event. Where we have been disadvantaged because of your choices, your claim may be reduced or denied.
For example: you must minimise your expenses by notifying your transportation provider immediately of any issues caused by another common carrier, which may affect your connecting transport. -
Contact our emergency assistance team for assistance if you're:
- caught in severe weather, a natural disaster, a riot, political or civil unrest; or
- assaulted, hijacked, kidnapped. If you're assaulted, hijacked or kidnapped, you must also make a report to the local police or other appropriate authority as soon as possible. You must provide a full copy of the written police report and related medical reports with your claim.
-
You must immediately report theft of travel documents or credit cards to the police as well as to the common carrier, service provider or other appropriate local authority as soon as possible.
A copy of the full, written report must be provided with your claim. If in exceptional circumstances you cannot notify the local police or other appropriate authority (i.e. due to imminent departure), you must notify us as soon as possible after the event.
If your passport is stolen, you must also immediately notify the Australian Government online or report the theft to the nearest Australian diplomatic or consular mission. You must provide us with copies of all documentation provided by the foreign government agency and the Australian Government. - You must obtain a written medical diagnosis from your overseas treating doctor in relation to your sudden illness or serious injury and their recommendation that you're medically unfit to travel. You must provide all relevant medical records or reports, including information about previous medical conditions and courses of treatment. In case of death, the death certificate and a medical report must be included with any claim.
-
If you incurred expenses due to cancellation of your full time work by an overseas employer or provider of a study course, volunteer, internship or apprenticeship arrangement, you must provide at a minimum:
- evidence that you planned to undertake the activity on a full time basis and the arrangements were to account for a minimum of 50% of your trip;
- a copy of the agreement for those arrangements, showing the date the arrangements were confirmed or booked; and
- a letter from the employer or organisation outlining the reasons for cancelling the arrangements and the date of cancellation.
-
If you're made redundant or you've had your leave cancelled by your employer or you've had to end your trip early to return home to your full time, permanent job, you will have to provide written confirmation from a senior partner or director from your employer:
- of your unexpected/involuntary redundancy or cancellation by your employer of your pre-arranged leave, dated before your Departure date and after you purchased the policy; or
- that you were forced to end your trip because of your business partner's or close colleague's hospitalisation or confinement following their sudden illness or serious injury.
-
If you make a claim, you must show:
- the event was unexpected and occurred after you purchased the policy and after you booked or paid for any travel arrangements; and
- the costs incurred were unavoidable.
-
You must provide satisfactory written evidence of the timing and circumstances of the event by independent third parties, the actual costs incurred and that any pre-paid expenses were non-refundable according to the conditions of the service provider. Where applicable, this includes:
- a written report or statement from the travel supplier or carrier confirming the reason, timing and duration of the unexpected event causing the delay, cancellation or interruption; any compensation or offers made to you; and confirmation of your claim and settlement with them, if applicable
- written confirmation of any accident from an official body in the country where the accident happened: i.e. a police and/or relevant transport authority report
- documentation to confirm your travel itinerary, vouchers or e-tickets
- valid documentation from your travel supplier, event organiser or education provider
- all itemised and receipted expenses
- If you're travelling on a one way ticket, we expect you to pay the cost of an economy class airfare home, as this is considered a reasonable and necessary cost you'd ordinarily incur during your trip.
- You should read and understand How someone else's health may affect your cover.
- You should also read what we won't cover in the Specific Exclusions to this section and the General Exclusions which are applicable to all sections.
What's covered
3.1 Cancellation expenses
We'll pay for the value of your unused, non-refundable expenses which you've paid or are legally obligated to pay if you've no alternative but to cancel your entire trip or a portion of your trip due to an unexpected and unavoidable Insured Event.
Cancellation expenses are the non-refundable portion of:
- transportation expenses;
- accommodation expenses;
- tours and experiences;
- tuition or course fees;
- travel agency cancellation fees; and/or
- frequent flyer points.
The maximum we'll pay for tuition or course fees is $2,000 on a single policy and $4,000 on a couple/duo or family policy.
The maximum we'll pay for travel agent cancellation fees is 10% of the amount paid to the travel agent up to $1,500 on a single policy and $3,000 on a couple/duo or family policy and further limited by the amount that would normally be earned by the agent had the trip not been cancelled.
If you used frequent flyer or similar air travel points to purchase an airline ticket and you cannot recover the lost points from any other source, we'll calculate the amount we pay you as:
- The cost of an equivalent class airline ticket, based on the best available advance purchase airfare for the same season of the following year, less your financial contribution; multiplied by
- The total value of points lost; divided by
- The total value of points redeemed to obtain the ticket.
There's a $100 excess payable per event.
For example:
Cost of equivalent class ticket | $1,000 |
(less any financial contribution) | |
Value of frequent flyer points lost | $5,000 |
Value of frequent flyer points needed to obtain original ticket | $20,000 |
Claimable amount | |
($1,000 x $5,000) ÷ $20,000 | $250 |
3.2 Trip interruption expenses
We'll pay reasonable additional transport and accommodation expenses to rearrange your trip following an Insured Event occurring before you leave home, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had your trip been cancelled.
If, after you leave home, your trip is interrupted unexpectedly by an Insured Event (except Insured Events 12 and 13), we'll pay for reasonable and necessary additional transport and accommodation expenses, including itemised phone calls and internet costs to contact our emergency assistance, claims or service teams or your travel provider, incurred to rearrange, resume, catch up to or end your original travel plans. We will only pay you the reasonable additional expenses, less the amount you would have ordinarily paid had the event not occurred, less any refunds owed to you.
If you're unable to continue the trip due to an Insured Event and involving a sudden illness or serious injury to you or your travelling party, we'll pay for reasonable and necessary additional travel and accommodation expenses you incur until you/they are medically fit to continue travelling. (We or our emergency assistance team must agree with the recommendation of your treating doctor as to when you're fit to travel again.)
There's a $100 excess payable per event.
3.3 Compassionate emergency visit
We'll pay for your reasonable and necessary additional transport and accommodation expenses to return home for a compassionate emergency visit, up to the limit in the Summary of Benefits, if:
- your close relative in Australia is unexpectedly hospitalised or dies as a result of a sudden illness or serious injury; or
- your home (or your owned business premises) in Australia is severely damaged by a natural disaster or fire.
If your close relative is not in Australia, we'll pay the lesser of your additional transport and accommodation expenses or the equivalent cost of returning you to Australia.
Expenses incurred in Australia are not covered under this policy.
A compassionate emergency visit will not change the period of insurance shown on your Certificate of Insurance. You may resume your trip before the policy Return date as explained under Section 3.4 - Resumption of trip.
If you must cancel the remainder of your trip due to an Insured Event occurring after your compassionate visit, then we'll also pay for your unused, pre-paid, non-refundable cancellation expenses overseas unless you've already claimed for these expenses for the same event under Section 3.1 - Cancellation expenses or Section - 3.2 Trip interruption expenses.
There are special conditions if your close relative's pre-existing medical condition is the cause of their unexpected death, sudden illness or serious injury; please refer to How someone else's health may affect your cover.
If you choose to end your trip after a compassionate emergency visit, your cover ceases and we won't reimburse any premium for any unused portion of your policy.
There's a $100 excess payable per event.
3.4 Resumption of trip
Following a compassionate emergency visit or your medical repatriation home, we'll pay for reasonable additional transport and accommodation expenses, up to the limit in the Summary of Benefits, for you to resume your trip.
If you're resuming your trip from a country other than Australia, we'll pay the lesser of your additional transport and accommodation expenses or the equivalent cost of travel from Australia.
Any resumption of trip must take place within the Period of Insurance shown on your Certificate of Insurance for cover to resume. If you choose not to resume your trip, your cover ceases, with no premium payable to you for any unused portion.
If a claim for resumption of trip is a result of your close relative's pre-existing medical condition which caused their unexpected death, sudden illness or serious injury, the maximum we'll pay in respect of all claims combined under all the sections of the policy is $2,000 per single policy and $4,000 per couple/duo or family policy.
There's a $100 excess payable per event.
3.5 Kidnap or hijack (Explorer Plan)
If you've purchased the Explorer Plan and if you're a victim of a kidnapping or hijacking overseas, you'll be paid a $250 daily benefit for each day you're detained, up to the limit in the Summary of Benefits.
This benefit's in addition to any other benefit you can claim for this event.
What's not covered - Specific Exclusions under Section 3
We won't pay for any Cancellation & Trip Interruption expenses under Section 3 arising in any way from any of the following:
- Any pre-existing medical condition, except as described in Health conditions & your policy.
- Any expense you would reasonably incur if the Insured Event did not happen.
- Cancellation of a tour due to an insufficient number of people or if you don't like the people you're travelling with.
- Any expenses for delays, rescheduling or cancellation of scheduled public transport services caused by reasons within a carrier's control, including but not limited to maintenance, repairs, schedule changes, service faults, corporate takeover or industrial activity other than a strike.
- You decline a reasonable alternative service or compensation offered by a carrier or other travel service provider.
- You cannot provide receipts for your expenses.
- Your expenses are solely the result of not having allowed for the travel service provider's official minimum check in or transit time, or at least three hours, whatever is longer. For example: not leaving reasonable time for traffic delays.
- Any financial, business, professional, employment or contractual arrangements, unless otherwise covered in this policy.
- Any act or threat of terrorism.
- Expenses relating to Section 3.5 - Kidnap or hijack if you haven't purchased the Explorer Plan.
- Costs for Section 3.1 - Cancellation expenses and Section 3.2 - Trip interruption expenses where a claim is payable under Section 3.3 - Compassionate emergency visit or Section 3.4 - Resumption of trip for the same period of time.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 4 - Your Belongings
This section explains the cover if your belongings are stolen or accidentally damaged. It also explains the cover if your bags are delayed or lost by a common carrier.
What you must do
- You must take reasonable care to protect your belongings. Don't leave any item unsupervised in a public place; unsupervised inside a motorised vehicle, boat, tent or camper trailer during non-daylight hours (local time), even if securely locked and concealed; or ship them as freight or unsupervised baggage.
-
Carry your portable electronic devices (including tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices), jewellery, specified high value items, travel documents, cash and credit cards with you at all times.
You must keep these valuables on you, within reach and view at all times. Never leave these items in your checked-in baggage, unsupervised in a public place, inside a motorised vehicle, boat, tent or camper trailer at any time; if you do, they will not be covered.
If you're unable to carry these items, you must store them securely in a locked safe, locked safety box or locked compartment out of public view and public access. If stolen, there must be visible evidence of damage and forced entry into the locked compartment, which is confirmed by a police report. -
You must immediately report all theft to the police as well as to the common carrier, service provider or other appropriate local authority (e.g. tour operator/accommodation/travel provider manager or security personnel) within 24 hours or as soon as reasonably possible.
A copy of the full, written report must be provided with your claim. If in exceptional circumstances you cannot notify the local police or other appropriate authority (i.e. due to imminent departure), you must notify us as soon as reasonably possible after the event.
If your passport is stolen, you must also immediately notify the Australian Government online or report the loss to the nearest Australian diplomatic or consular mission. You must provide us with copies of all documentation provided by the foreign government agency and the Australian Government. -
If your baggage and personal items are delayed, lost and/or accidentally damaged by a common carrier, you must report the incident within 24 hours or as soon as reasonably possible to a responsible officer for the carrier. Get a Property Irregularity Report or a similar official report in writing and make a claim directly with the carrier first.
If your bags are delayed, you must also get a written statement confirming the reason for the delay from the carrier and anticipated delivery date and time of your baggage. It's also important that you obtain written reports and, where applicable, accept any offers of settlement they make.
You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider. You will need to send these to us to support your claim. - For items damaged in other circumstances, you must get a written report from the appropriate local service provider (e.g. a manager or security officer of a private business or public facility) within 24 hours or as soon as reasonably possible.
- Arrange a repair quote to document the damage and provide this quote to assist us to review your claim. Physical evidence of the damaged item may also be requested to present with your claim, where reasonable in the circumstances.
- You must make all attempts to get compensation from the carrier or service provider first before making a claim on this policy. Where you can show us that you've exhausted all attempts to make a full recovery from the responsible party, we'll pay the difference up to the limit in the Summary of Benefits.
- You must provide evidence of proof of ownership, age and value of your belongings to substantiate your claim. It's useful to keep all receipts for items you buy on your trip separate from the items, in case you need to make a claim.
- For Explorer Plan holders claiming for stolen cash, you must provide with your claim proof of the initial bank withdrawal, foreign exchange receipts or receipt numbers of travellers' cheques and postal and money orders.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
NOTE: If you don't meet these conditions, we may limit or reduce your claim by the amount we have been disadvantaged.
What's covered
4.1 Baggage and personal items
If your baggage and personal items, including items you buy during your trip, are stolen or accidentally damaged, we'll pay according to the maximum limits and individual item limits shown in the Summary of Benefits (unless you have specified high value items on your Certificate of Insurance - see Section 4.4 for details).
In the event that a covered theft or damage to your baggage and personal items occurs, we'll allow one automatic reinstatement of the item limit for each item (up to one reinstatement of the total benefit limit for the plan selected).
We'll choose to pay the lesser value of:
- repairing the property;
- replacing it with an item of a similar design, use and function; or
- the original purchase price after allowing for normal wear and tear (using a depreciation scale of our choice).
Furthermore, any payment will not exceed the applicable item limit.
Standard Plan |
Explorer Plan |
|
---|---|---|
Portable electronic devices: including tablets, laptops, digital or video cameras and accessories (e.g. tripod, lenses), mobile phones and other hand-held devices |
$500/item |
$2,000/item |
Digital storage devices (hardware only): including external hard drives, USB sticks, CDs, DVDs and memory cards |
$50/item |
$100/item |
All other items |
$350/item |
$700/item |
Theft of cash |
Not covered |
$250 |
^ Subject to the maximum limit for all items combined as shown on the Summary of Benefits.
We'll pay only up to the individual item limits shown for a single item, pair or related set of items. For example:
- a camera plus lenses (attached or not), tripod and accessories = one item
- a pair of earrings = one item
- a set of skis with bindings = one item
Theft or accidental damage
We'll cover your belongings (except excluded items) for theft or accidental damage for the incidents listed up to the individual item limits and maximum limit as shown in the Summary of Benefits:
There's a $100 excess payable per event.
Theft, loss or accidental damage by a common carrier
We'll cover your checked-in baggage and personal items if they are stolen, lost or accidentally damaged by a common carrier.
Checked-in baggage includes any items held for transport in the cargo hold of any carrier.
Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.
There's a $100 excess payable per event.
Why so many restrictions on baggage cover?
We put restrictions on coverage around baggage to help travellers who are honest and to combat against insurance fraud. Unfortunately, baggage claim fraud is the number one reason we have to increase premiums for everyone.
As honest and forthright travellers, we look to you to help us combat the incidence of insurance fraud. By reporting fraud, you're helping reduce the impact on premiums and claims costs and its impact on you (see Preventing fraud for details).
Baggage & personal items |
Passports, travel documents & credit cards |
Portable electronic devices & jewellery |
Sporting equipment |
Cash (Explorer Plan) |
Specified items (optional upgrade) |
|
---|---|---|---|---|---|---|
1. Accidentally damaged while travelling. |
Only if not in use |
|||||
2. Accidentally destroyed by fire or natural disaster. |
||||||
3. Stolen:
|
||||||
4. Stolen from a locked safe, locked safety box or locked compartment, which is out of public view and public access, and where there's visible evidence of damage and forced entry. |
||||||
5. Stolen from your private, locked accommodation and where there's visible evidence of damage and forced entry. |
||||||
6. Stolen from a supervised storage facility, concierge or other service provider and where there's visible evidence of damage and forced entry. |
||||||
7. Stolen during daylight hours (between sunrise and sunset local time), where there's visible evidence of damage and forced entry, from:
|
||||||
8. Stolen at any time from a supervised motorised vehicle, boat, tent or camper trailer. |
||||||
9. Lost by an accommodation provider, tour operator or government when they're required by law to hold your passport, travel documents and/or credit cards. |
N/A |
N/A |
N/A |
N/A |
N/A |
|
10. Stolen, lost or accidentally damaged by a common carrier where it is:
|
Baggage delay over 12 hours (toothbrush, underwear and other essentials)
If your checked-in baggage is delayed by the carrier for more than 12 hours after your scheduled arrival (waiting period), we'll reimburse you up to the limits shown in the Summary of Benefits to replace your essential clothing and toiletries while you wait for your baggage to be returned.
All expenses must be reasonable and necessary, with receipts dated prior to the delivery of your delayed baggage and after 12 hours from your scheduled arrival. Any amount we pay for essential items will be deducted from the final claim settlement under Section 4.1 - Baggage and personal items if your baggage is permanently lost by the carrier.
This benefit's not available on your return journey to Australia.
4.2 Passport, travel documents & credit cards
We'll reimburse the official processing fees you incur overseas to replace your travel documents and credit cards if stolen, lost or accidentally damaged as noted in the incidents as described under Section 4.1.
We'll also pay the pro-rata value of the time remaining on your original travel documents which will allow you to continue on your original planned trip. You must also comply with all conditions of the issuing body.
We'll only pay to replace one passport per person if you hold multiple passports.
For reasonable and necessary additional travel and accommodation expenses incurred to replace these documents, refer to Section 3.2 - Trip interruption expenses.
There's a $100 excess payable per event.
4.3 Hire of sporting equipment (Explorer Plan)
If you've purchased the Explorer Plan, we'll also pay to hire replacement equipment because your sporting equipment was:
- accidentally damaged by a carrier; or
- delayed or lost by a carrier for more than 12 hours (the waiting period).
You must have a valid claim with us under Section 4.1 - Baggage and personal items for your sporting equipment.
This benefit's not available on your return journey to Australia.
4.4 Specified high value items (optional upgrade)
You can upgrade your cover for high value baggage and personal items (excluding jewellery) by specifying individual items on your Certificate of Insurance and paying an additional premium when you buy your policy. This optional upgrade increases the cover up to $3,000 for each specified item and replaces cover provided under Section 4.1 - Baggage and personal items for that item.
Specified items can be added to your policy at the time of initial purchase and at any time before your Departure date. Once an item is added, you cannot make any changes to the cover for that item; however, you may amend a serial number. If you buy items while travelling, they will be covered under the standard baggage limits, unless you list these on your Certificate of Insurance before your Departure date (see Managing your policy for details).
If you replace a specified item which was stolen or accidentally damaged while travelling, the replacement item will be covered under the standard baggage limits until the end of your policy, as your policy cannot be changed to specify it.
Cover is available up to the cost price of the item, subject to the individual item limit and maximum limit for all specified items combined, as shown on the Summary of Benefits. The additional premium is calculated on the value you nominate for the specified item and your duration of cover.
We'll choose to pay the lesser value of:
- the specified item value stated on your Certificate of Insurance;
- repairing the property;
- replacing it with an item of a similar design, use and function; or
- the original purchase price of the original item.
Furthermore, any payment will not exceed the applicable item limit.
We'll pay for theft or accidental damage of your high value specified items according to the policy terms, conditions and exclusions outlined in this PDS, including those incidents as noted under Section 4.1 - Baggage and personal items; however, depreciation does not apply.
There's a $100 excess payable per event.
What's not covered - Specific Exclusions under Section 4
We won't pay for any claim for baggage or personal items arising in any way from:
- Theft where there is no visible evidence of damage and forced entry, unless otherwise described in this section.
- Loss, theft or damage to the extent for which you're entitled to compensation from the carrier, other service provider or anyone else.
- Misplacement of your items, forgetting them or leaving them behind.
-
Loss, theft of or damage to:
- cash, traveller's cheques, and postal and money orders (except if you've purchased the Explorer Plan and as covered under Section 4.1 - Theft or accidental damage);
- bicycles and bicycle accessories;
- sporting equipment in use;
- sporting equipment over three years old;
- watercraft of any type (excluding surfboards);
- items for commercial use, including samples, stock and collections; tools of trade; business equipment;
- items which are freighted, sent separately or shipped under a bill of lading;
- animals;
- firearms and weapons of any type;
- musical instruments;
- antiques;
- precious stones not set in jewellery; or
- perishable items.
-
Items left unsupervised in a public place, in public view or where you don't take adequate and reasonable care to protect their safety, security or condition, unless:
- you had to leave it behind and it's accidentally damaged or destroyed in a fire or natural disaster; or
- there's visible evidence of damage and forced entry into a locked safe or locked compartment where you stored it securely.
-
Loss, theft of or damage to specified high value items, portable electronic devices (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices), jewellery, travel documents, cash and credit cards if:
- left in checked-in baggage with a common carrier;
- held for transport in the cargo hold, luggage trailer or on the roof;
- left unsupervised in a motorised vehicle, in a boat, tent or camper trailer, at any time;
- left in a locked safe, locked safety box or locked compartment, where there's no visible evidence of damage and forced entry;
- placed out of your reach or view; or
- stored with a storage facility, concierge or other service provider and they go missing.
- Items left unsupervised inside a motorised vehicle, boat, tent or camper trailer during local non-daylight hours (sunset to sunrise local time), even if securely locked and concealed in a safe or compartment.
- Denting, scratching.
- Wear and tear of property (unless specified on your Certificate of Insurance).
- Mechanical or electrical breakdown or malfunction.
-
Denting, scratching or damage to items which are fragile or brittle, or an electronic component which is broken, dented or scratched, unless:
- it's the lens of spectacles, binoculars or photographic or video equipment;
- it was caused by a crash involving a vehicle or carrier in which you were travelling; or
- it's due to a fire or natural disaster.
- The action of insects, vermin, mildew, rust or corrosion.
- Abuse or fraudulent use of credit cards or traveller's cheques.
- Expenses incurred within the first 12 hours of your baggage being delayed.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 5 - Personal Liability
This section describes the coverage for your personal liability if you injure someone or damage another person's property overseas and you are sued and found legally liable.
What you must do
- You must contact our emergency assistance team as soon as possible if you injure someone, damage another person's property or a suit is brought against you.
- You must not admit fault or liability or accept any responsibility for the incident without our prior knowledge and consent. If you do, this will have no binding effect on us. You'll have breached a policy condition, which may put us in an adverse and prejudicial position. Therefore, we may not be obligated to pay any claim made against you or reimburse any of your defence costs or other legal expenses.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
5.1 Third party compensation and legal expenses
We'll cover the damages and compensation for which you're found legally liable to pay to a third party, due to your negligence during your trip overseas which resulted in their bodily injury or damage to their property.
We'll cover your reasonable defence costs and other legal expenses incurred in settling or defending the claim made against you. We'll decide whether the costs were reasonable.
The limit in the Summary of Benefits is the maximum amount we'll pay in aggregate for all personal liability claims per policy.
What's not covered - Specific Exclusions under Section 5
We will not cover costs arising in any way from:
- The carrying out of any work (including volunteer), internship, apprenticeship, profession, trade, business or employment.
- Your transmission of any illness to another person.
- Physical injury or property damage caused by you with intent, malice or gross negligence.
- Bodily injury to any of your close relatives, co-workers or members of your travelling party.
- Items which you use, own, have on loan or hire, store or which are in your care or your possession.
- Property or items which you own (including land or buildings) or you occupy (except temporarily for the purpose of the trip).
- Property owned or used by your close relative, co-worker or member of your travelling party.
- Your ownership or use of any mechanically propelled vehicle (other than golf buggies and motorised wheelchairs), aircraft or waterborne craft; animals (other than horses); firearms or weapons of any kind.
- Any legal liability which you incur as a result of an agreement that you made which would not exist in the absence of that agreement (contractual liability).
- Fines and punitive damages.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 6 - Rental Vehicles (Explorer Plan)
If you've purchased the Explorer Plan, this section describes the cover available if you rent a passenger vehicle, being a sedan, campervan/motor home, hatchback or station wagon, four wheel drive or mini-bus/people mover.
What you must do
- You must have a valid licence in Australia for the class of vehicle you're driving overseas, regardless of local laws. You must also comply with local laws of the country in which you're driving. For example: you may be required to hold an International Driving Permit valid for that class of vehicle in addition to a valid Australian driving licence to legally drive in that country.
-
You must purchase the rental vehicle insurance offered by the rental vehicle company or agency.
Please note: this travel insurance policy is not rental vehicle insurance. Our policy doesn't replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control. - You must have a signed rental vehicle agreement in place for hire of the rental vehicle, and the rental vehicle company must be properly licensed within the country of hire.
- You must provide copies of the repair account, repair quote, proof of any payments you've made or received and any other documentation we request. You must provide copies of any correspondence identifying any insurer or third party related to the event for which you're claiming, to assist us in recovering from the responsible party.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
6.1 Rental vehicle insurance excess (Explorer Plan)
If you've purchased the Explorer Plan, this policy covers the rental vehicle insurance excess you're contracted to pay or the cost of repairing the rental vehicle, whichever is less, if you're involved in a motor accident or your rental vehicle is damaged or stolen while in your care or custody.
There's a $100 excess payable per event.
6.2 Return of rental vehicle (Explorer Plan)
If you've purchased the Explorer Plan, you're also covered for expenses to return the rental vehicle to the rental vehicle company or agency if you're certified medically unfit to drive.
There's a $100 excess payable per event.
What's not covered - Specific Exclusions under Section 6
We won't cover costs arising in any way from:
- Operation without a valid licence in Australia and as required in the country where you're travelling for the class of vehicle you're driving.
- Any other unlawful use of the vehicle.
- Aircraft; watercraft; all-terrain vehicles, quad bikes; elite, premium, luxury class vehicles; high-performance, customised and antique vehicles; snowmobiles; motorbikes, scooters and any other motorised cycle.
- Violation of the rental vehicle agreement.
- Transport of items other than luggage.
- Operation on any track or racetrack; in any training, trial or test; in any motorsport, race, rally or competition; in any motor show or exhibition; on roads other than sealed roads, unless agreed by the rental vehicle company.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 7 - Personal Accident (Explorer Plan)
If you've purchased the Explorer Plan, this section describes what we'll pay you or your estate if you're involved in an accident overseas and you die, lose a limb, lose your eyesight or suffer permanent total disablement.
What you must do
- If you're in an accident, you, your travel companion, friend or close relative must contact our emergency assistance team immediately.
- To claim, you or your estate must provide a medical certificate confirming your disablement (or death), medical reports and other documentation as explained under Section 1 - Emergency Medical & Dental Expenses Overseas. If you are a student, you must also submit proof to us that you were enrolled as a full time student at the time of the accident.
- You must be receiving medical treatment or be under regular medical supervision and comply with the physician's instructions during your period of disablement.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
7.1 Accidental death and permanent total disablement (Explorer Plan)
If you've purchased the Explorer Plan and are involved in an accident overseas, we'll pay you or your estate if:
- You suffer an injury which results in permanent total loss of sight in one or both eyes, permanent loss or loss of use of a limb or permanent total disablement. Compensation becomes payable to you provided that your injury causes such disablement within one year after the date of the accident; or
- You die within one year and as a direct result of sustaining an injury overseas. The death must not arise from or relate to any illness.
- If you die, the limit is reduced by any payment already made to you under this section for permanent loss of sight, loss of limb or permanent total disablement from that accident.
We are entitled to obtain information from any treating physician, past or present; and we may require that you be examined by a physician chosen by us. In case of death, we may request your medical records and/or an autopsy.
For a couple/duo, family policy, we'll pay a per person sub limit up to the total limit, as shown in the Summary of Benefits.
7.2 Credit repayment for students (Explorer Plan)
If you've purchased the Explorer Plan, you are a full time student and you die or suffer a permanent total loss of sight in one or both eyes, permanent loss or loss of use of a limb or permanent total disablement due to an accident overseas, we will provide a one-time payment for owed credit, according to the Summary of Benefits.
What's not covered - Specific Exclusions under Section 7
We won't cover any costs arising in any way from:
- An accident caused by an illness.
- A pre-existing medical condition, even if the condition recurs as a result of or is aggravated by the accident.
- Any injury which is caused by or exacerbated by a pre-existing medical condition.
- Consequences of medical treatment not necessitated by an accident covered by this policy.
- When your total disablement is not supported by ongoing medical evidence.
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
Section 8 - Adventure, Work, Study & Volunteer
You're automatically covered to participate in certain adventure sports, activities and experiences while you travel, work, study or volunteer overseas, as listed in Section 8.2.
You can also upgrade your cover for a range of other activities and experiences if you select the activities and pay the appropriate additional premium at the time you initially purchase your policy.
Where these adventure sports, activities and experiences are marked with a hash (#), you must have the appropriate certification or licence to do this sport or activity; where marked with an asterisk (*), you must be with a professional, qualified and licensed guide or operator.
You can participate in an amateur race or competition (excluding any motorsports) as long as you're not paid to participate in or train for the race or competition.
We'll pay you for expenses incurred while participating in these adventure sports, activities and experiences for the level of cover you have purchased, and according to the terms and conditions of your policy, for:
- Section 1 - Emergency Medical & Dental Expenses Overseas
- Section 2 - Medical Evacuation & Repatriation
- Section 3 - Cancellation & Trip Interruption
- Section 4 - Baggage and Personal Items (which includes coverage for certain sporting equipment under 3 years old)
- Section 5 - Personal Liability
- Section 7 - Personal Accident
What you must do
- Review the list of adventure sports, activities and experiences carefully and choose all the activities you'll participate in to receive the appropriate level of cover, depending on what you're planning to do on your trip. Once you've chosen your activities and your Certificate of Insurance has been issued on purchase, it's not possible to upgrade or change your activities or cover.
- You must take reasonable care and not put yourself at needless risk while participating in these adventure sports, activities and experiences. You must follow any local authority warning or advice.
- If you intend to work or study, you must have the appropriate visa to work or study under the local laws of the country you're visiting.
- You must have the appropriate skills and training and hold the necessary licences and/or certificates for the work you undertake. If required, you should only work from ground level up to five metres above ground as the risk of serious injury is significantly increased when working at heights greater than two metres.
- You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.
What's covered
8.1 Levels of cover
You're automatically covered to participate in Level 1 adventure sports, activities and experiences (including work, study and volunteer experiences) under the Standard Plan and Explorer Plan as listed in Section 8.2 - List of adventure sports, activities & experiences.
If you intend to participate in higher risk activities as listed, you must, at the time you buy this policy, upgrade your cover by selecting all your activities and paying the appropriate additional premium. This is calculated as a percentage of your policy premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. See Managing your policy for details.
Each higher-level upgrade includes the activities listed in the lower levels (e.g. Level 3 upgrade also includes Level 1 and Level 2 activities). If you intend to participate in a combination of Level 1, 2 and 3 activities, you must buy the highest level of cover. To do so, when you buy your policy, simply select all the activities you'll be participating in.
For example:
-
You're going skiing for one week, hiking for a few days and scuba diving at least once during your trip - you would select all of these activities to buy Level 3 cover for the entire duration of your trip. Also, be sure you're selecting cover for:
- - the maximum elevation you'll be hiking to; and
- - the type of scuba diving you'll be doing, whether you need to be licensed, and the maximum depth; and
- - the type of skiing you'll be doing, as some ski and snowboard activities are not covered.
- You might rent a bike to ride around Amsterdam for a few days (automatically included in either the Standard Plan or Explorer Plan), go on some cross country trails (Level 2 upgrade required) or hit the downhill bike park (Level 3 upgrade required). If you buy only Level 2 cover, you'd be covered on the cross country trails and riding for a few days around the city, but you wouldn't be covered if you try out the downhill course. Just be aware that bikes aren't covered if lost, stolen or damaged (see Section 4, exclusion 4b). You should also wear a helmet if required by local laws.
Level of cover |
Adventure sports & activities |
Working holiday, study & volunteer experiences |
How it works |
---|---|---|---|
Level 1 |
Low-risk adventure sports and activities listed as Level 1 |
Manual and non-manual work, study or volunteer experiences listed as Level 1 |
Select all your activities at time of purchase. Level 1 adventure sports and activities, and work, study and volunteer experiences are automatically covered in the Standard Plan & Explorer Plan at no charge. |
Level 2 |
Higher-risk adventure sports and activities listed as Level 2 |
Manual work, study or volunteer experiences listed as Level 2 |
Select all your activities at time of purchase and pay an additional premium to cover all listed Level 1 and Level 2 adventure sports, activities, and work, study and volunteer experiences. |
Level 3 |
Highest-risk adventure sports and activities listed as Level 3 (including snow sports) |
Manual work, study or volunteer experiences or working as a paid or volunteer instructor or guide (except in an excluded activity), listed as Level 3 |
Select all your activities at time of purchase and pay an additional premium to cover all listed Level 1, Level 2 and Level 3 adventure sports, activities, and work, study and volunteer experiences. |
8.2 List of adventure sports, activities & experiences
Contact us before you buy this policy for clarification if an adventure sport, activity or experience is not listed in this section.
Key:
(1) Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan.
(2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences.
(3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.
(X) Not covered - There is no cover for this sport, activity or experience.
(*) You must be with a professional, qualified and licensed guide or operator
(#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience
(-) Refer to another sport, activity or experience as shown
A
- Abseiling (3)
- Acrobatics (see gymnastics or trapeze) (-)
- Aerial safari* (2*)
- Aerobics (1)
- Air guitar (1)
- American football (2)
- Angling (1)
- Archery (1)
- Athletics (1)
- Australian Rules Football (AFL) (1)
B
- Badminton (1)
- Ballet (1)
- Banana boat rides (1)
- Base jumping (X)
- Baseball (1)
- Basketball (1)
- Bicycle polo (2)
- Biking (see cycling or mountain biking) (-)
- Black water rafting (cave tubing)* (2*)
- BMX (jumps/tricks/freestyle/racing) (X)
- BMX (on road, no tricks or jumps) (1)
- BMX (off road/on track/cross country) (3)
- Boating (inland or coastal waters within 3 nautical miles only) (1)
- Boating (beyond 3 nautical miles) (2)
- Bobsled (in snow) (3)
- Bobsled (non-snow track) (1)
- Bobsleighing/skeleton* (3*)
- Bowling (lawn or ten pin) (1)
- Bullriding (X)
- Bungee/bungy jumping* (1*)
- Bushcraft (1)
- Bushwalking (see hiking) (-)
C
- Camel riding (single ride) (1)
- Camel trekking (overnight/main mode of transport) (2)
- Camping over 6,000 metres in elevation (X)
- Camping up to 2,000 metres in elevation (1)
- Camping up to 6,000 metres in elevation (3)
- Canoeing (grades 1-5) (see kayaking) (-)
- Canyoning (X)
- Canyon swing* (2*)
- Capoeira dancing (1)
- Cave diving (X)
- Cavern diving (over 40 metres) (X)
- Cavern diving (qualified to 40 metres)*# (3*#)
- Caving/spelunking/potholing* (3*)
- Caving (sightseeing/tourist attraction)* (1*)
- Cheerleading (1)
- Clay pigeon shooting* (3*)
- Cliff diving (X)
- Cricket (1)
- Croquet (1)
- Curling (1)
- Cycling over 6,000 metres in elevation (X)
- Cycling (incidental to the trip; independent touring; on organised tour) up to 2,000 metres in elevation (1)
- Cycling (incidental to the trip; independent touring; on organised tour) up to 6,000 metres in elevation (3)
D
- Dance (including interpretive dance) (1)
- Darts (1)
- Deep water soloing (X)
- Dirt boarding (1)
- Dodge ball (1)
- Dogsledding (1)
- Dragon boating (1)
- Dune buggy*# (1*#)
E
- Elephant riding (1)
- Elephant trekking (overnight/main mode of transport) (2)
F
- Fell running/walking (1)
- Fencing (1)
- Fishing (inland or coastal waters within 3 nautical miles) not including rock fishing (1)
- Fishing (beyond 3 nautical miles) including deep sea fishing (2)
- Fitness training (1)
- Floorball (1)
- Fly by wire* (2*)
- Flying (as a passenger in a glider or ultralight) (X)
- Flying (as a passenger in a licensed scheduled or chartered aircraft or helicopter) (1)
- Flying (as a pilot or crew of any aircraft) (X)
- Football (1)
- Free diving (X)
- Free soloing (X)
- Frisbee (1)
G
- Glacier walking (1)
- Gliding (X)
- Go karting* (1*)
- Golf (1)
- Gymnastics (1)
- Gym training (1)
H
- Handball (1)
- Hang gliding (X)
- High diving up to 10 metres (excluding cliff diving/deep water soloing) (1)
- Hiking over 6,000 metres in elevation (X)
- Hiking up to 2,000 metres in elevation (1)
- Hiking up to 6,000 metres in elevation (3)
- Hockey (1)
- Horse riding (equestrian, dressage, show jumping, eventing) (3)
- Horse riding (leisure/social/non-competitive riding, excluding bare back) (1)
- Horse riding (polo) (X)
- Horse riding (rodeo) (X)
- Hot air ballooning (1)
- Hunting (excluding big game)*# (3*#)
- Hydrofoiling (1)
I
- Ice climbing (X)
- Ice fishing (3)
- Ice hockey (indoor) (2)
- Ice skating (indoor) (1)
- Ice skating (outdoor) (3)
- In-line skating (1)
J
- Jet boating (1)
- Jet skiing* (2*)
K
- Kayaking (beyond 3 nautical miles) (2)
- Kayaking - river (grades 1-5), inland or coastal waters within 3 nautical miles (1)
- Kite boarding (1)
- Kite buggy (2)
- Kite flying (1)
- Kite surfing (1)
- Kite wing (land, water) (2)
- Kite wing (snow) (3)
- Korfball (1)
L
- Lacrosse (1)
- Land surfing (2)
M
- Manual work (see work) (-)
- Martial arts (cage fighting, kickboxing, mixed martial arts, Muay Thai) (X)
- Martial arts (judo, karate) (2)
- Martial arts (non-contact) (1)
- Mongol Rally (X)
- Moped / scooter biking# (1#)
- Motorbiking (off road)# (3#)
- Motorbiking (on road)# (1#)
- Motorbiking (pillion passenger with a licensed driver)# (1#)
- Motor racing (driver) (X)
- Motor racing experience (passenger only) (1)
- Mountain biking over 6,000 metres in elevation (X)
- Mountain biking (cross country) up to 2,000 metres in elevation (2)
- Mountain biking (cross country) up to 6,000 metres in elevation (3)
- Mountain biking (downhill) up to 6,000 metres in elevation (3)
- Mountain biking (on road) see cycling (-)
- Mountaineering (X)
N
- Netball (1)
- Non-manual work (see work) (-)
O
- Obstacle course/assault course/trim trail (3)
- Orienteering (1)
- Outdoor endurance, multi-sport, triathalon (ultra distance or more) (X)
- Outdoor endurance, multi-sport, triathalon (less than ultra distance) (3)
- Outrigger canoeing (inland, inside or outside coastal waters) (2)
- Outward Bound (1)
P
- Paint balling/airsoft (1)
- Parachuting (more than 1 jump) (X)
- Parachuting (one jump only)* (3*)
- Paragliding/parapenting (X)
- Parasailing (over water)* (1*)
- Parascending (X)
- Parkour (X)
Q
- Quad biking (excluding travellers aged 15 years or younger)* (3*)
R
- Racquetball (1)
- Rambling (1)
- Rap jumping (X)
- Rickshaw Run (see Tuk Tuk) (X)
- Rifle range/sports shooting*# (3*#)
- River boarding/hydrospeeding (grades 1-5) (1)
- Rock climbing (bouldering/no ropes/no equipment) (3)
- Rock climbing (soloing/free soloing) (X)
- Rock climbing (indoor)* (2*)
- Rock climbing (outdoor)* (3*)
- Rock climbing (sport climbing/bolted)* (3*)
- Rollerblading (1)
- Roller hockey (1)
- Roller skating (1)
- Rounders (1)
- Rowing / sculling (1)
- Rugby (League/Union) (1)
- Running / jogging (half marathon distance or less) (1)
- Running / jogging (marathon distance) (2)
- Running / jogging (ultra marathon) (X)
- Running of the bulls (X)
S
- Safari tours (excluding handling of big game or dangerous animals)* (1)*
- Sail boarding (1)
- Sailing (inland or coastal waters within 3 nautical miles only) (1)
- Sailing (beyond 3 nautical miles) (2)
- Sandboarding/sandskiing (1)
- Scuba diving - commercial (X)
- Scuba diving (over 40 metres) (X)
- Scuba diving (qualified to 30 metres)# (1#)
- Scuba diving (qualified to 40 metres)# (2#)
- Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*)
- Sculling (see rowing) (-)
- Sea canoeing (see kayaking) (-)
- Sea kayaking (see kayaking) (-)
- Segway tours* (3*)
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#)
- Skateboarding (ramp / half pipe; skate park; street) (1)
- Skiing (cross country / Nordic skiing on marked trails) (3)
- Skiing (snowblading) (3)
- Skiing/snowboarding (acrobatics) (X)
- Skiing / snowboarding (backcountry/outside of resort boundary)* (3*)
- Skiing / snowboarding (by helicopter/snow cat)* (3*)
- Skiing / snowboarding (dry slope) (3)
- Skiing / snowboarding (on piste or off piste within resort boundaries) (3)
- Skiing/ snowboarding (racing) (X)
- Skiing / snowboarding (terrain park within resort; excluding acrobatics) (3)
- Ski joring (X)
- Skydiving (one jump only)* (3*)
- Skydiving (over 1 jump) (X)
- Sledding or Tobogganing (3)
- Sleigh rides (1)
- Snooker (1)
- Snorkelling (1)
- Snow biking (3)
- Snow kiting* (3*)
- Snowmobiling* (3*)
- Snow rafting* (3*)
- Soccer (1)
- Softball (1)
- Spearfishing (2)
- Speed boating (1)
- Speed flying (X)
- Spelunking (see caving) (-)
- Squash (1)
- Stand up paddle surfing (1)
- Stilt walking (1)
- Stoolball (1)
- Surf boat rowing (1)
- Surfing (1)
- Swimming (beyond 3 nautical miles) (X)
- Swimming (pool; enclosed, inland or coastal waters within 3 nautical miles only) (1)
- Swimming with whales/whale sharks (inside or outside coastal waters)* (2*)
T
- Table tennis (1)
- Tandem skydiving (see skydiving) (-)
- Tchoukball (1)
- Tennis (1)
- Ten pin bowling (see bowling) (-)
- Tough Mudder (3)
- Trail bike riding (see motorbiking) (-)
- Tramping (see hiking) (-)
- Trampolining (1)
- Trapeze* (3*)
- Trekking (see hiking) (-)
- Tubing on rivers (also see black water rafting) (1)
- Tubing on snow (3)
- Tuk Tuk (hired transport as a passenger) (1)
- Tuk Tuk (racing; hired without a licensed driver; Rickshaw Run) (X)
U
- Ultimate Frisbee (1)
V
- Via Ferrata* (3*)
- Volleyball (1)
W
- Wakeboarding (excluding jumps) (1)
- Wake skating (1)
- Walking (see hiking) (-)
- War games (online gaming) (1)
- Water polo (1)
- Water skiing (barefoot) (2)
- Water skiing (excluding jumps) (1)
- Water skiing / wakeboarding (jumping) (X)
- Weight training (1)
- Wingsuit flying (X)
- White water kayaking (grades 1-5) (1)
- White water rafting (grades 1-5) (1)
- Windsurfing (inland or coastal waters within 3 nautical miles only) (1)
- Windsurfing (beyond 3 nautical miles) (2)
- Work - Paid or Volunteer (working at height over 5m, offshore, underground orcaves, operating machinery, working with dangerous animals/big game) (X)
- Work - Paid or Volunteer instructor or guide (except in an excluded activity)# (3#)
- Work - Paid or Volunteer Manual Work (any work with power tools or working at height under 5m) (2)
- Work - Paid or Volunteer Manual Work (hospitality, retail, general farm work, excluding operating power tools & working at height) (1)
- Work - Paid or Volunteer Non-Manual Work (teaching, clerical, childcare) (1)
X
Y
- Yachting (see sailing) (-)
- Yoga (in class, alone or teaching) (1)
Z
- Zip line* (2*)
- Zorbing (1)
A
- Abseiling (3)
- Acrobatics (see gymnastics or trapeze) (-)
- Aerial safari* (2*)
- Aerobics (1)
- Air guitar (1)
- American football (2)
- Angling (1)
- Archery (1)
- Athletics (1)
- Australian Rules Football (AFL) (1)
B
- Badminton (1)
- Ballet (1)
- Banana boat rides (1)
- Base jumping (X)
- Baseball (1)
- Basketball (1)
- Bicycle polo (2)
- Biking (see cycling or mountain biking) (-)
- Black water rafting (cave tubing)* (2*)
- BMX (jumps/tricks/freestyle/racing) (X)
- BMX (on road, no tricks or jumps) (1)
- BMX (off road/on track/cross country) (3)
- Boating (inland or coastal waters within 3 nautical miles only) (1)
- Boating (beyond 3 nautical miles) (2)
- Bobsled (in snow) (3)
- Bobsled (non-snow track) (1)
- Bobsleighing/skeleton* (3*)
- Bowling (lawn or ten pin) (1)
- Bullriding (X)
- Bungee/bungy jumping* (1*)
- Bushcraft (1)
- Bushwalking (see hiking) (-)
C
- Camel riding (single ride) (1)
- Camel trekking (overnight/main mode of transport) (2)
- Camping over 6,000 metres in elevation (X)
- Camping up to 2,000 metres in elevation (1)
- Camping up to 6,000 metres in elevation (3)
- Canoeing (grades 1-5) (see kayaking) (-)
- Canyoning (X)
- Canyon swing* (2*)
- Capoeira dancing (1)
- Cave diving (X)
- Cavern diving (over 40 metres) (X)
- Cavern diving (qualified to 40 metres)*# (3*#)
- Caving/spelunking/potholing* (3*)
- Caving (sightseeing/tourist attraction)* (1*)
- Cheerleading (1)
- Clay pigeon shooting* (3*)
- Cliff diving (X)
- Cricket (1)
- Croquet (1)
- Curling (1)
- Cycling over 6,000 metres in elevation (X)
- Cycling (incidental to the trip; independent touring; on organised tour) up to 2,000 metres in elevation (1)
- Cycling (incidental to the trip; independent touring; on organised tour) up to 6,000 metres in elevation (3)
D
- Dance (including interpretive dance) (1)
- Darts (1)
- Deep water soloing (X)
- Dirt boarding (1)
- Dodge ball (1)
- Dogsledding (1)
- Dragon boating (1)
- Dune buggy*# (1*#)
E
- Elephant riding (1)
- Elephant trekking (overnight/main mode of transport) (2)
F
- Fell running/walking (1)
- Fencing (1)
- Fishing (inland or coastal waters within 3 nautical miles) not including rock fishing (1)
- Fishing (beyond 3 nautical miles) including deep sea fishing (2)
- Fitness training (1)
- Floorball (1)
- Fly by wire* (2*)
- Flying (as a passenger in a glider or ultralight) (X)
- Flying (as a passenger in a licensed scheduled or chartered aircraft or helicopter) (1)
- Flying (as a pilot or crew of any aircraft) (X)
- Football (1)
- Free diving (X)
- Free soloing (X)
- Frisbee (1)
G
- Glacier walking (1)
- Gliding (X)
- Go karting* (1*)
- Golf (1)
- Gymnastics (1)
- Gym training (1)
H
- Handball (1)
- Hang gliding (X)
- High diving up to 10 metres (excluding cliff diving/deep water soloing) (1)
- Hiking over 6,000 metres in elevation (X)
- Hiking up to 2,000 metres in elevation (1)
- Hiking up to 6,000 metres in elevation (3)
- Hockey (1)
- Horse riding (equestrian, dressage, show jumping, eventing) (3)
- Horse riding (leisure/social/non-competitive riding, excluding bare back) (1)
- Horse riding (polo) (X)
- Horse riding (rodeo) (X)
- Hot air ballooning (1)
- Hunting (excluding big game)*# (3*#)
- Hydrofoiling (1)
I
- Ice climbing (X)
- Ice fishing (3)
- Ice hockey (indoor) (2)
- Ice skating (indoor) (1)
- Ice skating (outdoor) (3)
- In-line skating (1)
J
- Jet boating (1)
- Jet skiing* (2*)
K
- Kayaking (beyond 3 nautical miles) (2)
- Kayaking - river (grades 1-5), inland or coastal waters within 3 nautical miles (1)
- Kite boarding (1)
- Kite buggy (2)
- Kite flying (1)
- Kite surfing (1)
- Kite wing (land, water) (2)
- Kite wing (snow) (3)
- Korfball (1)
L
- Lacrosse (1)
- Land surfing (2)
M
- Manual work (see work) (-)
- Martial arts (cage fighting, kickboxing, mixed martial arts, Muay Thai) (X)
- Martial arts (judo, karate) (2)
- Martial arts (non-contact) (1)
- Mongol Rally (X)
- Moped / scooter biking# (1#)
- Motorbiking (off road)# (3#)
- Motorbiking (on road)# (1#)
- Motorbiking (pillion passenger with a licensed driver)# (1#)
- Motor racing (driver) (X)
- Motor racing experience (passenger only) (1)
- Mountain biking over 6,000 metres in elevation (X)
- Mountain biking (cross country) up to 2,000 metres in elevation (2)
- Mountain biking (cross country) up to 6,000 metres in elevation (3)
- Mountain biking (downhill) up to 6,000 metres in elevation (3)
- Mountain biking (on road) see cycling (-)
- Mountaineering (X)
N
- Netball (1)
- Non-manual work (see work) (-)
O
- Obstacle course/assault course/trim trail (3)
- Orienteering (1)
- Outdoor endurance, multi-sport, triathalon (ultra distance or more) (X)
- Outdoor endurance, multi-sport, triathalon (less than ultra distance) (3)
- Outrigger canoeing (inland, inside or outside coastal waters) (2)
- Outward Bound (1)
P
- Paint balling/airsoft (1)
- Parachuting (more than 1 jump) (X)
- Parachuting (one jump only)* (3*)
- Paragliding/parapenting (X)
- Parasailing (over water)* (1*)
- Parascending (X)
- Parkour (X)
Q
- Quad biking (excluding travellers aged 15 years or younger)* (3*)
R
- Racquetball (1)
- Rambling (1)
- Rap jumping (X)
- Rickshaw Run (see Tuk Tuk) (X)
- Rifle range/sports shooting*# (3*#)
- River boarding/hydrospeeding (grades 1-5) (1)
- Rock climbing (bouldering/no ropes/no equipment) (3)
- Rock climbing (soloing/free soloing) (X)
- Rock climbing (indoor)* (2*)
- Rock climbing (outdoor)* (3*)
- Rock climbing (sport climbing/bolted)* (3*)
- Rollerblading (1)
- Roller hockey (1)
- Roller skating (1)
- Rounders (1)
- Rowing / sculling (1)
- Rugby (League/Union) (1)
- Running / jogging (half marathon distance or less) (1)
- Running / jogging (marathon distance) (2)
- Running / jogging (ultra marathon) (X)
- Running of the bulls (X)
S
- Safari tours (excluding handling of big game or dangerous animals)* (1)*
- Sail boarding (1)
- Sailing (inland or coastal waters within 3 nautical miles only) (1)
- Sailing (beyond 3 nautical miles) (2)
- Sandboarding/sandskiing (1)
- Scuba diving - commercial (X)
- Scuba diving (over 40 metres) (X)
- Scuba diving (qualified to 30 metres)# (1#)
- Scuba diving (qualified to 40 metres)# (2#)
- Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*)
- Sculling (see rowing) (-)
- Sea canoeing (see kayaking) (-)
- Sea kayaking (see kayaking) (-)
- Segway tours* (3*)
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#)
- Skateboarding (ramp / half pipe; skate park; street) (1)
- Skiing (cross country / Nordic skiing on marked trails) (3)
- Skiing (snowblading) (3)
- Skiing/snowboarding (acrobatics) (X)
- Skiing / snowboarding (backcountry/outside of resort boundary)* (3*)
- Skiing / snowboarding (by helicopter/snow cat)* (3*)
- Skiing / snowboarding (dry slope) (3)
- Skiing / snowboarding (on piste or off piste within resort boundaries) (3)
- Skiing/ snowboarding (racing) (X)
- Skiing / snowboarding (terrain park within resort; excluding acrobatics) (3)
- Ski joring (X)
- Skydiving (one jump only)* (3*)
- Skydiving (over 1 jump) (X)
- Sledding or Tobogganing (3)
- Sleigh rides (1)
- Snooker (1)
- Snorkelling (1)
- Snow biking (3)
- Snow kiting* (3*)
- Snowmobiling* (3*)
- Snow rafting* (3*)
- Soccer (1)
- Softball (1)
- Spearfishing (2)
- Speed boating (1)
- Speed flying (X)
- Spelunking (see caving) (-)
- Squash (1)
- Stand up paddle surfing (1)
- Stilt walking (1)
- Stoolball (1)
- Surf boat rowing (1)
- Surfing (1)
- Swimming (beyond 3 nautical miles) (X)
- Swimming (pool; enclosed, inland or coastal waters within 3 nautical miles only) (1)
- Swimming with whales/whale sharks (inside or outside coastal waters)* (2*)
T
- Table tennis (1)
- Tandem skydiving (see skydiving) (-)
- Tchoukball (1)
- Tennis (1)
- Ten pin bowling (see bowling) (-)
- Tough Mudder (3)
- Trail bike riding (see motorbiking) (-)
- Tramping (see hiking) (-)
- Trampolining (1)
- Trapeze* (3*)
- Trekking (see hiking) (-)
- Tubing on rivers (also see black water rafting) (1)
- Tubing on snow (3)
- Tuk Tuk (hired transport as a passenger) (1)
- Tuk Tuk (racing; hired without a licensed driver; Rickshaw Run) (X)
U
- Ultimate Frisbee (1)
V
- Via Ferrata* (3*)
- Volleyball (1)
W
- Wakeboarding (excluding jumps) (1)
- Wake skating (1)
- Walking (see hiking) (-)
- War games (online gaming) (1)
- Water polo (1)
- Water skiing (barefoot) (2)
- Water skiing (excluding jumps) (1)
- Water skiing / wakeboarding (jumping) (X)
- Weight training (1)
- Wingsuit flying (X)
- White water kayaking (grades 1-5) (1)
- White water rafting (grades 1-5) (1)
- Windsurfing (inland or coastal waters within 3 nautical miles only) (1)
- Windsurfing (beyond 3 nautical miles) (2)
- Work - Paid or Volunteer (working at height over 5m, offshore, underground orcaves, operating machinery, working with dangerous animals/big game) (X)
- Work - Paid or Volunteer instructor or guide (except in an excluded activity)# (3#)
- Work - Paid or Volunteer Manual Work (any work with power tools or working at height under 5m) (2)
- Work - Paid or Volunteer Manual Work (hospitality, retail, general farm work, excluding operating power tools & working at height) (1)
- Work - Paid or Volunteer Non-Manual Work (teaching, clerical, childcare) (1)
X
Y
- Yachting (see sailing) (-)
- Yoga (in class, alone or teaching) (1)
Z
- Zip line* (2*)
- Zorbing (1)
What's not covered - Specific Exclusions under Section 8
We won't pay for any costs arising in any way from your participation in any adventure sport, activity, work, study or volunteer experience in the following circumstances:
- You receive a financial reward (i.e. an appearance fee, a wage or salary) to participate in or train for a competition or race.
- Any expenses are recoverable under any employer sponsored program or statutory workers' compensation, accident, medical or benefit scheme.
- Participation in any adventure sports, activities, work, study or volunteer experiences where you don't purchase the appropriate adventure sports, work, study and volunteer level upgrade or where it is specifically excluded (X) in Section 8.2 - List of adventure sports, activities & experiences.
- You go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
- Damage to any sporting equipment while in use; sporting equipment over three years old; damage or theft of any sporting equipment left unsupervised in a public place.
- Travel in an air-supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company, unless as shown in the list of adventure sports or activities and where you've purchased the appropriate upgrade.
- Participation in any motorsport rally, race, competition or show.
-
For motorised vehicles:
- not wearing a helmet where one would be required in Australia, regardless of the local laws; and
- operating any motorised vehicle without a valid licence for the same class of vehicle or watercraft in Australia and as required in the relevant country where you're travelling; or
- riding as a passenger in or on any motorised vehicle or watercraft where you know or you should know your driver does not have a valid licence in their country of residence and as required in the relevant country where you're travelling.
- Where you don't hold the required certification or licence for an activity (which is specified by a hash (#) in the list of adventure sports and activities), or you're not with a professional, qualified and licensed guide or operator whilst performing an activity (which is specified by an asterisk (*) in the list of adventure sports and activities); refer to Section 8.2 - List of adventure sports, activities & experiences.
-
Working (paid or unpaid), undertaking any hazardous activities or participating in any sports or activities in hazardous locations, such as but not limited to:
- oil rigs, mines, underground, in caves;
- operating machinery or heavy equipment;
- operating power tools without proper skill and training;
- working at height without proper safety equipment. Working at height is further restricted to a maximum of five metres; or
- working in close proximity to dangerous animals including, but not limited to, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.
- Your personal liability while in the course and scope of your work activity (including volunteer), internship, apprenticeship, profession, trade, business or employment (refer to Section 5).
- Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.
General Exclusions
We cannot cover all things at all times. This section explains what's not covered under any part of this PDS in addition to the specific exclusions shown under each benefit section.
What's not covered under any part of your policy
We won't pay for costs arising in any way from:
- Medical expenses incurred within Australia or any provision of cover which would constitute health insurance business as defined under the Private Health Insurance Act 2007.
-
Failure to follow a Do Not Travel warning issued by the Australian Department of Foreign Affairs and Trade or another official authority's warnings against travel to a particular country or part of a country due to:
- severe weather or natural disaster;
- riot, strike, civil commotion, martial law, political unrest; or
- a threat or likelihood of or an actual contagious disease, epidemic or pandemic;
No cover is available for any incident under any section of this policy should you travel to a country or region for which the Australian Government has issued a Do Not Travel warning. - A lack of due care and responsibility on your part by neglecting to observe appropriate preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations, malaria prophylaxis, and hygiene measures. Please refer to www.who.int for further information.
- Failure to take appropriate action to avoid or minimise expenses.
- A change of mind, disinclination or reluctance to travel.
- Where there is evidence, at the time you bought the policy or booked arrangements, of circumstances you knew or should have reasonably known would result in arrangements being cancelled or interrupted.
- You, a member of your travelling party or your close relative not receiving medical treatment, or refusing or giving up treatment even though the condition has deteriorated or you, they or a reasonable person in the circumstances should know that the condition ought to be treated.
- Any pre-existing medical condition, except as described in Health conditions & your policy.
- Travelling against medical advice; refusal, resistance or failure to comply with the medical recommendations given by us or our emergency assistance team to be transported or evacuated to other treatment facilities or repatriated home for ongoing medical treatment; medical expenses deemed by us or our emergency assistance team as not being reasonable or necessary or which can wait until your return home.
- Travelling overseas to undertake investigative procedures or travelling overseas to receive medical treatment.
- Pregnancy or any related complications, except as described in Health conditions & your policy.
- Fertility treatments at any time, including any resulting pregnancy; childbirth; regular antenatal care; care of a newborn child.
- Contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses.
- HIV (except where first acquired during the Period of Insurance and as a result of an accident); AIDS; any sexually transmitted infections (except where contracted through an assault during your trip).
- Being under the influence of or addicted to alcohol or a drug, except a drug taken in accordance with the advice of a registered medical practitioner.
- Unlawful acts, dishonest acts, criminal acts or malicious acts by you or by a person acting on your behalf.
- Your intentional, self-inflicted bodily injury, suicide or suicide attempts or other self-harm.
- Failure to take reasonable care to act as a reasonable, prudent person would in similar circumstances.
- Taking a needless risk or acting with disregard for one's own or another's safety or property, except in an attempt to save human life.
- Taking part in a riot or civil commotion.
- You receiving a financial reward (i.e. appearance fee, a wage or salary) to participate in or train for a competition or race.
- Participation in any adventure sports, activities, work, study or volunteer experiences where you don't purchase the appropriate adventure sports, work, study and volunteer level upgrade; you place yourself at a needless risk; you go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous; or you participate in a sport, activity or experience specifically excluded in the list of adventure sports, activities and experiences.
- Loss or damage to any sporting equipment while in use; sporting equipment over three years old; loss, damage or theft of any sporting equipment left unsupervised in a public place.
- Travel in an air-supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company, unless as shown in the list of adventure sports, activities and experiences and where you've purchased the appropriate upgrade.
- Participation in any motorsport rally, race, competition or show.
-
Motorised vehicles, when:
- not wearing a helmet where one would be required in Australia, regardless of local laws; and
- operating any motorised vehicle without a valid licence for the same class of vehicle or watercraft in Australia and as required in the relevant country where you're travelling; or
- riding as a passenger in or on any motorised vehicle or watercraft where you know or you should know your driver does not have a valid licence in their country of residence and as required in the relevant country where you're travelling.
- Participation in any adventure sport, activity or experience where you don't hold the required licence in Australia and as required in the relevant country where you're travelling, or where a licence is specifically required as a condition of cover as shown with a hash (#) in the list of adventure sports and activities.
- Participation in any adventure sport, activity or experience where you're not with a professional, qualified and licensed guide or operator as specifically required as a condition of cover as shown with an asterisk (*) in the list of adventure sports, activities and experiences.
- Any police, fire-fighting, reserve or defence service or training.
- Your legal liability following professional advice or other services performed by you while in the conduct of your business, trade, profession, employment or work (including volunteering).
- Expenses which are recoverable by compensation under any workers' compensation act or transport accident laws or by any government or employer-sponsored fund, plan, Reciprocal Health Care Agreement, medical benefit scheme or any other similar cover or insurance, which is available or is required to be effected by or under a law.
- Any search and/or rescue operations (including costs charged by a government, regulated authority or private organisation) connected with finding or rescuing you from a dangerous, life-threatening situation.
- Delay, detention, seizure or confiscation by customs or other officials or authorities, unless your valid passport was confiscated due to damage and you can provide official documentation of the reason for confiscation with your claim.
- A government authority seizing, withholding or destroying anything of yours; or any prohibition by or regulation or intervention of any government; or any government denying you entry or not allowing you to stay in that country for any reason.
- Events for which the provision of cover or a liability to pay a benefit would expose us and/or our reinsurer(s) to any sanction, prohibition or restriction under United Nations resolutions or any sanctions, laws or regulations of the European Union, United Kingdom or the United States of America.
- Any act of war (whether war is declared or not).
- Nuclear reaction or contamination from nuclear weapons or radioactivity; biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear.
- Financial or non-financial consequential loss of any nature, including loss of enjoyment.
- Errors or mistakes in any booking arrangements, including, but not limited to, failure to book a portion of a trip or obtain appropriate travel documents or visas.
- Deceptive or fraudulent acts of others.
- The insolvency of any person, company or organisation, including circumstances where a reasonable person, at time of booking or at time of purchase of this insurance, could expect the person, company or organisation would not be able to deliver their products or services.
- Expenses which are recoverable from any other source; expenses which you would still incur in the absence of an insured event.
- Any mechanical or electrical breakdown or malfunction.
How to buy it
This section will help you select a plan to suit you and your trip.
You'll receive an email confirming your purchase, and your Certificate of Insurance and PDS will be available to view from your World Nomads membership account. Do keep a copy of your Certificate of Insurance and this PDS safe with any other documents we send you, as these contain all the information about your policy. It's also a good idea to give a copy to a friend or relative at home, just in case.
Take the time to carefully read the PDS to be sure the cover is right for you.
Contact World Nomads immediately if you don't receive the confirmation email or if the documents you receive are not correct.
Is this policy right for you?
You need to decide if the plan you choose - with its applicable benefits, limits, options, upgrades, terms and conditions - will suit you and will cover your potential loss. This PDS will help you understand if the policy is right for you and explain the coverage so there will be no surprises or disappointments if you need to use it.
Every travel insurance plan is different: they are not designed to cover every circumstance or every travel situation. The plans offered by World Nomads have been designed to cover certain situations and have specific terms, conditions and limits to cover, particularly for pre-existing medical conditions.
The plan you choose (your policy) may be different to other plans you've purchased from other travel insurance companies or from World Nomads in the past.
Your policy is a contract with us, comprised of:
- This PDS, including the Summary of Benefits, which explains the policy benefits (the situations covered), limits (amount covered), conditions (what you need to do and restrictions on cover) and exclusions (what's not covered). It determines how we can respond to help you, pay for your expenses or reimburse you, based on your situation and claim.
- The Certificate of Insurance, which will contain details of your period of insurance, your premium, the plan and type of cover purchased, each person insured, any excesses and if any standard terms have been varied; and
- Any other documentation you complete or we issue to you.
Cooling-off period
You have up to 14 days from the time you are issued your Certificate of Insurance to decide if the cover is right for you. This is called your cooling-off period.
If you decide that you don't want this policy, you may cancel it within the cooling-off period. You'll receive a full refund of the premium you paid, provided:
- you haven't started your trip;
- you haven't made a claim; and
- you don't want to make a claim or exercise any other right under the policy.
You can cancel your policy during the cooling-off period through your World Nomads membership.
Cancelling outside the cooling-off period
If you request to cancel your policy outside the cooling-off period, we may, at our discretion, refund that part of your premium paid for the unused period of insurance; we may charge an administration fee to do so. Also, you cannot have started your trip, made a claim and/or intend to make a claim or exercise any other right under your policy.
To cancel outside the cooling-off period, contact us.
Your duty of disclosure
Before you enter into, vary or extend an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.
When we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.
When amending or extending your contract of insurance, we will ask you specific questions about any change in your circumstances. You must tell us about any change to something you have previously told us, otherwise you will be taken to have told us that there is no change.
You have this duty until we agree to insure, amend or extend the contract.
If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.
If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.
Who's travelling?
Travellers must fit one of these three traveller types to be eligible for cover. This determines the benefit limits available on your policy; see the Summary of Benefits.
- Single: One person, 69 years old or younger at the time you buy or extend your policy, travelling alone or with up to eight dependents.
- Couple/Duo: Two people, 69 years old or younger at the time you buy or extend your policy, travelling together for the majority of the trip and with no accompanying dependents. You can, for example, be a couple, two mates or two unrelated people.
- Family: Two adults, 69 years old or younger at the time you buy or extend your policy, who are travelling together with you for the majority of the trip with one to eight dependents.
NOTE: All travellers must be residents of Australia (as defined in the Glossary). One of the travelling adults must be the legal guardian of the accompanying dependents. To insure more than eight dependents, additional policies must be purchased.
Only people named on your Certificate of Insurance are covered by your policy; however, the personal circumstances of your travelling party or close relatives may affect what you can claim.
You should carefully read this PDS, including the Health conditions & your policy section, to understand the special conditions relating to people not named on your Certificate of Insurance.
Where are you going?
This policy only covers you when travelling outside of Australia. When you buy a policy, you must select all the countries where you'll spend at least 72 hours of your trip. Your chosen countries will be shown on your Certificate of Insurance.
Our cost to insure travellers is higher for some countries and regions than others, so the premium we charge takes this into consideration.
The policy doesn't provide medical cover within Australia, as we are prohibited from insuring you in Australia under the Private Health Insurance Act 2007.
Travel on a one way ticket
You don't need a return ticket to buy this travel insurance. However, as this expense is considered part of a normal trip, the cost of a ticket home is not covered under this policy.
If you don't have a return ticket and you need to return home for a covered reason, we'll deduct from your total claim the cost you would have normally paid for an economy class airfare at the carrier's regular published rates for the journey home or our actual cost incurred, whichever is less. If you have no other claim from which we can deduct this cost, we'll seek recovery directly from you following your return home (see Section 2 - Medical Evacuation & Repatriation and Section 3 - Cancellation & Trip Interruption for details).
Is it safe to go there?
Your policy will provide cover for your chosen countries and regions of travel unless there's a Do Not Travel warning issued by the Australian Department of Foreign Affairs and Trade or other official authority and you choose to go there anyway. Refer to www.smartraveller.gov.au for details before you go and while travelling for the latest alerts and travel advice.
Plan options
We offer you two plan options, with different policy benefits and limits:
- Standard Plan; and
- Explorer Plan.
Each Plan has optional extras to increase the coverage for:
- High value items you take with you - Section 4.4 - Specified high value items; and
- Adventure sports, activities and experiences - Section 8 - Adventure, Work, Study & Volunteer.
How much does it cost?
You'll be told the policy premium payable when you buy online through World Nomads.
The price is based on a number of factors, including the plan you choose, the countries and regions you're visiting, the policy duration, the number of people covered and any additional options and upgrades. After paying the quoted premium, these cover details are confirmed in a receipt World Nomads will email to you and are shown on your Certificate of Insurance when you sign in to your World Nomads membership.
On your Certificate of Insurance, the "Total" reflects the premium payable to us. It includes any relevant compulsory government charges, taxes or levies (e.g. stamp duty and GST) we are obligated to pay in relation to your policy and any discounts that may apply.
Managing your policy
You can manage certain parts of your policy by signing in to your World Nomads membership and selecting your policy number. Please check all your policy documents carefully to make sure all the information is correct. We rely on the information to manage your policy. If there are any errors, please contact World Nomads.
If you need to make changes, please provide any additional supporting information or documentation we request, to help you. Once your policy starts, it's not possible to change it or add optional coverage. We also don't refund you any unused portion of your premium if you decide to return home early for any reason.
Policy rates, terms and conditions which are current at the time a change is made will apply.
What do you want to do? |
When can you do this? |
How? |
---|---|---|
View or print your PDS or Certificate of Insurance |
Any time after purchase. |
Sign in to your membership |
Change your policy Departure date |
After purchase and up to 11:59pm AEST/AEDT on the day before the Departure date. |
Sign in to your membership |
Increase baggage limits and add specified items to your policy or amend specified item details |
You can increase cover for high value personal items by specifying these on your Certificate of Insurance at the time you buy a policy and at any time prior to the Departure date. On or after the Departure date, you can only amend the serial number of a specified item. |
Upgrade your policy at the time of policy purchase |
Change your country/region of travel |
This is only available at the time of purchase. |
Contact World Nomads if you made a mistake |
Upgrade or change your adventure sports, activity or work, study, volunteer experiences |
You can only upgrade your level of cover for your adventure sports, work, study and volunteer activities at the time of purchase. Activities cannot be added or changed after initial purchase. |
Contact World Nomads if you made a mistake |
Extend your trip |
You can extend your policy before 11:59pm AEST/AEDT on your policy Return date, as long as:
The maximum duration available for any policy, including all extensions, is 12 months from the Departure date. Premium rates which are in effect at the time of the extension will apply. |
Sign in to your membership, choose your policy and follow the links to extend before the Return date. |
Cancel your policy |
You can cancel the policy up to 11:59pm AEST/AEDT on the day before you start your trip for a full refund if you're within the 14-day cooling-off period and you do not want to make a claim or exercise any other right under the policy. |
Sign in to your membership, choose your policy and follow the links to cancel before your policy Departure date. |
Change your address |
You can update your Australian address any time through your World Nomads membership. If you change your country of residence, you must create a new membership. |
Sign in to your membership |
All other changes or mistakes |
For any other changes, mistakes on your Certificate of Insurance (e.g. date of birth, insured names) or any other issues, please contact World Nomads in writing at any time. |
Contact World Nomads if you made a mistake. |
Buying cover when you extend your trip
If you extend your trip, you can extend your policy before 11:59pm AEST/AEDT on the Return date shown on your Certificate of Insurance using your World Nomads membership online, provided:
- you're 69 years old or younger at the time; and
- you have not made a claim nor are aware of any possible claim under your policy; and
- there's been no change to your health status, including the discovery of any new medical conditions, since the issue of your original policy; and
- you do not intend to live overseas permanently at the same address for more than 2 years.
If you are eligible to extend your policy, you may only do so before 11:59 AEST/AEDT on the Return date and up to a maximum duration of 12 months from the Departure date shown on your Certificate of Insurance. The premium rates available at the time of the extension will apply; however, the 14 day cooling-off period does not apply to any extension.
If you are not eligible to extend your policy, you may buy a new policy while travelling; cover shall then be subject to the 72 hour waiting period. The rates, terms and conditions current at the time of purchase will apply. Refer to the table in When cover starts & ends.
In either case, the discovery of any new medical conditions during any earlier period of insurance will be considered pre-existing medical conditions in any subsequent period of insurance.
Things to do after you buy this policy
- Read it! Cover to cover. Yes, all of it. No surprises or assumptions. Ask World Nomads if you don't understand what it means.
- Give a copy of your PDS and Certificate of Insurance to a friend or relative so they can contact our emergency assistance team immediately if you're seriously ill, injured or die and are unable to contact us.
- Save the assistance phone number in your phone with your policy number, just in case you need to call our emergency assistance team quickly.
- Gather receipts for the items you're taking with you. Scan them and keep a copy in your inbox, just in case your gear gets stolen and you need to make a claim.
- If you're intending to rent a car or motorbike or participate in some adventure sports, you must check the licencing and local laws for the country you're going to. You must also have a valid licence at home for the class of motorised vehicle you may be renting. If you're renting a motorbike or moped, you may also need to pack a helmet if legally required at home or make sure you're provided with one when you get there.
- Know how to contact your doctor at home just in case they have to provide a medical statement to confirm your health or medical conditions in case you need to make a claim for a sudden illness or serious injury.
- Why? There are restrictions on cover for certain medical conditions. Read the section on Health conditions & your policy, Section 1 - Emergency Medical & Dental Expenses Overseas and Section 2 - Medical Evacuation & Repatriation.
How to get help
Our emergency assistance team is there to help you 24 hours a day, 7 days a week.
Always contact our emergency assistance team first to discuss your situation and options to keep you travelling - even if you don't consider your situation to be an emergency.
Our emergency assistance team's trained staff will help with medical problems, including locating nearest medical facilities and, if required, arranging your evacuation home.They can also assist with locating nearest embassies and consulates as well as keeping you in touch with your close relatives and your employer in an emergency.
If you choose not to contact our emergency assistance team, your coverage may be affected.
What to do when things go wrong
This PDS explains what you must do under each section so we can help you. Here is a summary of the key things that might happen while travelling and links to each section explaining what you must do when things go wrong:
Travel & Medical Assistance, 24 hours a day, 7 days a week
From overseas: |
+61 2 8263 0470 or |
Within Australia: |
1300 787 375 |
SMS: |
+61 4 1720 4602 |
Email: |
Ask the local operator to connect you reverse charges or claim your call costs later.
You'll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.
What's happened? |
Quick steps |
Read this section(s) |
---|---|---|
You suffer a sudden illness or serious injury or die and need:
|
|
Section 1 - Emergency Medical & Dental Expenses Overseas Section 2 - Medical Evacuation & Repatriation Section 3 - Cancellation & Trip Interruption Section 7 - Personal Accident (Explorer Plan holders only) |
You suddenly need to change your travel plans or return home |
|
|
Your belongings, passport or travel documents are stolen, damaged or delayed |
|
|
You're assaulted or a victim of a violent crime, kidnapped or hijacked and suffer a serious injury or psychological trauma |
|
|
You're accused of causing an accident (e.g. you injure someone), you damage someone's property or someone else wants to claim from you |
|
|
Your rental vehicle is damaged or stolen (Explorer Plan holders only) |
|
Section 6 - Rental Vehicles (Explorer Plan holders only) |
Who to contact
Why |
Who |
How |
---|---|---|
Sales & Member Services - Questions - Changes to your policy |
World Nomads They sell this product to you online, provide general advice and assist with arranging, issuing, varying and cancelling your policy. Their focus is to support a global community of independent and adventurous travellers to travel safe and informed. |
Contact the World Nomads Member Services team: Phone: +61 2 8263 0400 Phone: 1300 787 375 (local call in Australia) Email: infoAUS@worldnomads.com Fax: +61 2 8263 0444 PO Box H2, Australia Square, Sydney NSW 2000
8:00am - 8:00pm Monday to Friday |
Policy & Claims - Policy management - Claims management - Complaints |
nib Travel Services (Australia) Pty Limited They act on behalf of us, certain underwriters at Lloyd's (your insurer), to issue and manage your policy and handle your claims. They also provide an internal dispute resolution service if you're unhappy with the product or service provided. |
Login to your World Nomads membership and submit your claim online, or contact: Phone: +61 2 8263 0400 Phone: 1300 787 375 (local call in Australia) Email: claimsAUS@worldnomads.com Fax: +61 2 8263 0494 Fax: 1300 619 912 (local fax in Australia) PO Box A975, Sydney South NSW 1235 Travel Claims operate during Australian business hours. |
Emergency Assistance - Sickness - Injury - Death - Emergency transport - Trip interruption or cancellation - Liability |
Emergency Assistance Team Available 24 hours a day, 7 days a week, they provide emergency assistance services while you're travelling. Our emergency assistance team is instructed by us and will coordinate certain parts of this policy on their behalf, including emergency repatriation. |
Call the Emergency Assistance Team reverse charges via an operator: Phone: +61 2 8263 0470 Phone: +61 2 8292 1470 Phone: 1300 787 375 (local call in Australia) SMS: +61 4 1720 4602 Email: assist@worldnomads.com Available 24 hours a day, 7 days a week. Please have your policy number and local phone number handy when you call. Contact our emergency assistance team to advise us of what's happened as soon as possible, otherwise it may affect your cover. |
Insurer |
Certain underwriters at Lloyd's We are your insurer. If you're unhappy about this insurance or the outcome of your claim, we can review this for you. |
Lloyd's Underwriters' General Representative Level 9, 1 O'Connell Street, Sydney NSW 2000 Phone: +61 2 8298 0700 |
How to make a claim
- You must follow the instructions set out in How to get help. Once the emergency is dealt with, you may need to submit a claim on your return. We will work directly with our emergency assistance team in the event of a medical emergency and keep you informed along the way.
- Follow the instructions under each applicable section of this policy (see 'What you must do' in each section in What's covered & not covered) and provide to us all relevant documentation as required.
-
Written notice of a claim should be given to us by signing in to your World Nomads membership and submitting your claim online or by requesting a claim form from World Nomads. Written notice should be sent to us within 30 days of your return home to enable the timely collection of evidence and assessment of your claim.
If you don't give us timely notice of your claim, we can reduce your claim by the amount we have been disadvantaged because of the delay. - Provide your full cooperation at all times, and answer all queries on the claim form completely and truthfully. If the claim form is not fully completed by you, we cannot process your claim.
-
Provide, at your expense, all supporting evidence and any other information as we may reasonably require for you to prove the circumstances of the event and the amount of your claim. This allows us to verify the facts of your claim and make an accurate decision. We may request original copies of these documents, so keep them safe:
- medical receipts and medical reports from treating doctors explaining the diagnosis provided, medical tests and treatment given/requested;
- police reports and detailed incident reports from any travel or service provider, property manager or other appropriate authority, given the circumstance;
- a Property Irregularity Report or other incident report from common carriers and all correspondence of any settlement they make with you;
- original receipts, valuations (particularly for specified items) and proof of ownership, age and value of baggage items;
- original repair quotes and accounts; or
- travel itineraries and other evidence of costs incurred.
- If you're unable to provide the information we require to substantiate your claim, then we may reduce or refuse to pay your claim.
- GST can also affect your claim. If you're entitled to claim an input tax credit in respect of your premium, you must inform us of the input tax credit percentage at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy.
How your claim will be managed
nib Travel Services (Australia) Pty Limited (nib) is authorised by us to handle your claims under this policy on our behalf.
We will work directly with you while assessing your claim. The claims assessment team will:
- Confirm receipt of your claim within 10 business days, provide you with a claim number and allocate a case manager to your claim.
- Inform you in writing within 10 business days of receipt if additional information is required.
- Process your claim within 10 business days of receiving all necessary supporting documentation. They'll determine which expenses are covered (or not covered), calculate the settlement value of your claim and inform you in writing.
- Deposit approved payments into your Australian bank account, unless you advise us to pay someone else. We are not responsible for your bank fees or charges applicable to this payment.
Contact Claims:
Phone: 1300 787 375 (local call in Australia) or +61 2 8263 0400
Email: claimsAUS@worldnomads.com
Fax: +61 2 8263 0494
Travel Claims
nib Travel Services
PO Box A975
Sydney South NSW 1235
Contact us if you have a question about making a claim or need to submit a claim form and supporting documentation:
How your claims settlement is calculated
- Covered expenses will be determined according to the terms and conditions of the policy.
- These expenses will be converted to Australian dollars to determine the initial claim value.
-
Where applicable, we deduct from your claim an amount for depreciation of your baggage and personal items due to age, wear and tear at rates reasonably determined by us. Depreciation will not apply to those items which you've specified as high value items.
If item limits apply, these will be calculated, and the lesser of the total claim value compared to the value after applying depreciation and item limits will be paid. - Any applicable excess will be subtracted from the total claim value to determine the final settlement value. If an excess is applicable to your claim, it's applied once for all claims relating to each event giving rise to a claim.
- All claims are paid in Australian dollars. The rate of currency exchange that will apply is the rate at the time you incurred the expense.
- If you're entitled to claim an input tax credit in respect of a cost for which a claim is made or you would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit.
Your responsibilities when you make a claim
If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us recover money from them in legal proceedings. If you're aware of any third party that you or we may recover money from, you must inform us of such third party.
If you can make a claim against someone else, other than under an insurance policy, you must claim from them first. If they don't pay you the full amount of your claim, we'll make up the difference.
If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you're paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you're not paid the full amount of your claim, we'll make up the difference. We may seek contribution from your other insurer. You must give us any information we reasonably ask for, to help us make a claim from your other insurer.
We may, at our discretion, undertake in your name and on your behalf, control and settlement of proceedings for our own benefit to recover compensation or secure indemnity from any party in respect of anything covered by this policy; this is called subrogation. You must assist us and give permission for us to use any means possible to recover compensation or secure indemnity from other parties to which we may become entitled or subrogated upon us paying your claim under this policy, even if we have yet to pay your claim, and whether or not the amount we pay you is less than full compensation for your loss.
If we pay you for stolen or damaged property and you later recover the property or it's replaced by a third party, you must pay us the amount of the claim we paid you.
Where we recover money from others
We'll apply any money we recover from someone else under a right of subrogation in the following order:
- to us, our administration and legal costs arising from the recovery;
- to us, an amount equal to the amount that we paid to you under the policy;
- to you, your uninsured loss (less your excess); and
- to you, your excess.
Once we pay your total loss, we'll keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.
Preventing fraud
Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. All information will be treated as confidential and protected to the full extent under law. You can help report insurance fraud by contacting us.
Glossary
Words in this PDS that have special meanings are shown in bold. We have defined them to help you understand your policy. These defined words form part of the terms and conditions of your policy.
A
Accident, accidental, accidentally: an unexpected, unintended, unforeseeable event.
Arises, arising: directly or indirectly caused by, resulting from, related to, attributable to or in any way connected with.
Australia: all Australian States and Territories.
B
Baggage; baggage and personal items; belongings: any personal items owned by you and that you take with you or buy on your trip, which are designed to be worn or carried about with you and where you can provide proof of ownership. This includes suitcases and backpacks, clothing, personal jewellery, all portable electronic devices (including tablets, laptops, digital or video cameras, mobile phones and other hand-held devices), photographic and video equipment, travel documents (including passports, visas, travel passes), personal identification (e.g. driver's licence, student cards), cash and credit cards.
C
Carrier, common carrier: a public transport company that is licensed to carry passengers for a fee, excluding taxis and rental vehicle companies.
Cash: cash or the equivalent, including bank or currency notes, cheques, travellers' cheques, postal and money orders or other negotiable instruments.
Chronic: a persistent and lasting medical condition. We don't consider that chronic pain has to be constant pain; however, in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long lasting, recurrent (occurred on more than two occasions) or characterised by long-suffering.
Close relative: your or a member of your travelling party's spouse/de facto partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter or guardian.
Complication: any secondary diagnosis occurring prior to, during the course of, concurrent with, as a result of or related to the pregnancy which may adversely affect the pregnancy outcome.
D
Departure date: the date you nominate, at the time of buying the policy, on which you intend policy coverage to begin. This date is shown on your Certificate of Insurance and impacts on the terms and conditions of your policy.
Dependents: your children or grandchildren, or others for whom you are the legal guardian, who are not in full time employment, are 20 years old or younger at the time you buy or extend your policy, are travelling with you for the majority of the trip and are listed as covered on your Certificate of Insurance.
E
Excess: the amount you must pay for all expenses arising from any one event before you can claim under the policy.
H
Home: your usual permanent residential address in Australia.
I
Illness: a sickness, disease or unhealthy condition which is not an injury.
Injury: bodily harm caused solely and directly by sudden, violent, visible and external means following an accident and which doesn't result from any illness.
O
Overseas: in any place other than Australia.
P
Permanent total disablement: a physical condition which completely prevents you from carrying out any occupation and performing your normal activities of daily living for a period of 12 consecutive months and, at the end of such period, is certified by two qualified medical practitioners approved by us as being beyond any hope of improvement.
Pre-existing medical condition: where you, your travelling party, a close relative or any other person to whom this policy relates has any of the following eight conditions:
- any chronic or currently ongoing medical or dental condition of which you are aware or any complication related to any such chronic or current condition;
- any medical or dental condition, or related complication, the symptoms of which you are currently aware;
- a medical or dental condition that is currently being investigated or treated, or has been investigated or treated in the 90 days prior to the issue of your Certificate of Insurance, by a health professional (including chiropractor, physiotherapist or dentist);
- any medical condition, currently ongoing or experienced at any time in the past, involving your back, neck, brain, heart, circulatory system or respiratory system, or cancer;
- any condition for which you take prescribed medicine;
- any condition for which you've had surgery, or any complication arising from any surgery you've had, at any time, for any reason;
- any condition for which you see a medical specialist; or
- pregnancy.
Proof of ownership: official documentation to prove your ownership, the age and value of your baggage and personal items. Primary proof of ownership you may be asked to provide includes: the physical item; original bills, receipts, invoices, valuations, guarantee documents, service contracts; original boxes, accessories and manuals; bank or credit card statements; currency exchange dockets. Secondary proof of ownership, where accompanied by another form of proof of ownership, may include a notarised statement by an independent third party that the item was a gift.
Public place: any place that the public has access to including, but not limited to, planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hostels, dormitories and other shared accommodation (unless it's a private, locked room occupied only by you and/or your travelling party), foyers, grounds and common areas, campgrounds, beaches, restaurants, cafes, private car parks, public toilets and general access areas.
R
Reasonable: for medical or dental expenses, the standard level of care given in the country you're in, including the use of the public health care system where there's a Reciprocal Health Care Agreement in place with the Australian Government. For your belongings, the level of quality and performance as compared to items of a similar age, style, brand and use, or as determined by us. For other expenses, the standard level you've booked for the remainder of your trip; where arrangements have not been booked, then the level at which you travelled for the majority of your trip. It also means what a prudent person would do or expect in a similar circumstance.
Resident: an Australian citizen or holder of an Australian residency visa:
- with unrestricted right of entry into Australia;
- with access to long-term medical care in Australia (not including Reciprocal Health Care Agreements);
- who has a permanent Australian residential address; and
- who agrees to be repatriated, if required, back to Australia under this insurance.
Return date: the date you nominate, at the time of buying the policy, on which you intend policy coverage to end. This date is shown on your Certificate of Insurance and impacts on the terms and conditions of your policy.
S
Sudden illness or serious injury: an injury or illness which necessitates treatment by a legally qualified medical practitioner and, where it relates to:
- you, others named on your Certificate of Insurance, or other members of your travelling party, the attending medical practitioner at the time certifies in writing that you or they are unfit to travel or continue with the original trip; or
- others to whom this insurance relates, their attending medical practitioner at the time certifies in writing that they are unable to perform their usual and customary duties.
T
Travel documents: include:
- passports, visas and other government-issued documents required to enter and exit a country; or
- Eurail and other travel passes purchased for regional, interstate or cross-border travel only and which cannot be reissued by the issuing authority if lost, stolen or damaged.
Travelling party: you, any other person listed as covered on your Certificate of Insurance and any travel companion who has made arrangements to accompany you for the majority of your trip.
Trip: the period of travel which begins on the Departure date shown on your Certificate of Insurance. It ends on either the Return date shown on your Certificate of Insurance or when you return home to end your travels, whichever happens first.
U
Unsupervised: leaving your baggage and personal items either:
- with a person you did not know prior to commencing your trip;
- in any position where it can be taken without your knowledge; or
- at such a distance from you that you're unable to prevent it being taken.
Unsupervised also means forgetting or misplacing your items, leaving them behind or walking away from them.
W
Waiting period: the period of time following the issue of your Certificate of Insurance and/or following an event and during which no benefit is payable. (Refer to Policy excess & waiting periods.)
We, our, us: certain underwriters at Lloyd's who deal with you through their agent, nib Travel Services (Australia) Pty Limited.
Work: any work, whether paid or unpaid (i.e. volunteer), which can be classified as either:
- Non-manual work is any clerical or administrative work, including but not limited to a classroom teacher or assistant, au pair, nanny or child minder; or
- Manual work is general work other than non-manual work including but not limited to general cleaning, maintenance, bartending, WWOOFing and general farmhand activities, and work as an activity guide or instructor. Manual work excludes the use of machinery or heavy equipment. It excludes working at height without proper safety equipment or experience; working at height is further restricted to a maximum of 5 metres.
Working at height: refers to any work activity undertaken at any elevated position off ground level where you may be at risk of accidentally falling and suffering a serious injury. Working at height can include on ladders, scaffolding, roofs, vehicles, platforms, bridges and walls. Altitude doesn't impact on this definition.
Y
You, your, yourself: the person or people named on the Certificate of Insurance and their accompanying dependent(s).
Other Important Information
Privacy
We collect your personal information, and in some cases your sensitive information, in order to issue, arrange and manage your travel insurance or to provide you with related services. We will only collect personal and sensitive information from you or from those authorised by you.
We may disclose your personal and sensitive information to third parties involved in the above process, such as travel agents and consultants, travel insurance providers, insurers and reinsurers, claims handlers, investigators and cost containment providers, medical and health service providers, legal and other professional advisers, your and our agents and our related companies. Some of these third parties may be located in other countries such as the UK, Europe and USA.
Our Privacy Policy details how we collect, use, store and disclose your personal and sensitive information as well as how you can seek access to and correct your personal information or make a complaint. You may not access or correct personal information of others unless you have been authorised by them, or are authorised under law or they are your dependants.
By providing us your personal and sensitive information you consent to us collecting, using, storing and disclosing it in accordance with our Privacy Policy. If you don't provide all of the personal and sensitive information we've requested we may not be able to provide you with our services or products including being able to process your application for insurance.
You can view our full Privacy Policy at worldnomads.com/privacy
If you have a complaint
If you're unhappy with the service provided, this insurance or the financial services provided by us, nib, World Nomads or any affiliate, please contact Customer Relations:
Phone: 1300 625 229 (local call in Australia) and +61 2 8263 0487 (from overseas)
Email: complaints@nibtravel.com
Customer Relations
nib Travel Services
PO Box A975
Sydney South, NSW 1235
Please read the attached Financial Services Guide for details of how we manage complaints.
General Insurance Code of Practice
The Insurance Council of Australia Limited has developed the General Insurance Code of Practice (the Code), which is a self-regulatory code for adoption by insurers. nib, Lloyd's and World Nomads proudly support the Code and embrace its objective of raising the standards of practice and service in the insurance industry. For details about the Code, visit www.codeofpractice.com.au.
Jurisdiction and choice of law
This policy is governed by and construed in accordance with the law of New South Wales, Australia, and you agree to submit to the exclusive jurisdiction of the courts of New South Wales. Equally we, in accepting this insurance, agree that:
- if a dispute arises under this insurance, this insurance will be subject to Australian law and practice and the underwriters will submit to the jurisdiction of any competent court in the Commonwealth of Australia;
-
any summons notice or process to be served upon Lloyd's Underwriters' General Representative in Australia who has authority to accept service and to appear on the underwriters' behalf, at the following address:
Level 9, 1 O'Connell Street
Sydney NSW 2000; and - if a suit is instituted against us, we'll abide by the final decision of such court or any competent appellate court.
Updating the PDS
This PDS is current for the period of insurance outlined on your Certificate of Insurance. From time to time, we may need to update this PDS or issue a Supplementary PDS (SPDS) if certain changes occur where required and permitted by law. If the changes affect a policy you currently have with us, we may issue you with a new PDS and/or SPDS to update the relevant information. We ask that you read the new PDS and/or SPDS in full to understand the changes, as they may affect your cover or your decision to purchase cover with us.
Certain underwriters at Lloyd's are responsible for the PDS in this Combined Financial Services Guide and Product Disclosure Statement.
Date prepared: 11 April 2019
Date effective: 11 April 2019
Version: WNAUS-PDS-05-11APR2019
Financial Services Guide
This Financial Services Guide (FSG) explains the financial services that you receive when you purchase a policy through World Nomads.
This FSG is designed to help you make an informed decision about whether the financial services provided are suitable. It also explains how nib, World Nomads and the affiliates who refer this insurance are paid and how complaints are handled.
You should also review in full the Product Disclosure Statement (PDS) combined with this FSG to understand all the features, terms and conditions of the policy to help you decide if the cover is suitable for you.
About the insurer
This insurance is underwritten by certain underwriters at Lloyd's (the insurer).
Lloyd's is referred to as 'we' 'our' and 'us' in the PDS that is combined with this FSG. They can be contacted through:
Lloyd's Underwriters' General Representative in Australia
Level 9, 1 O'Connell Street
Sydney NSW 2000
Phone: +61 2 8298 0783
The insurer is liable for the PDS in this Combined Financial Services Guide and Product Disclosure Statement.
About nib
nib Travel Services (Australia) Pty Limited, ABN 81 115 932 173, AFSL 308461 (nib) is an Australian Financial Services Licensee authorised to provide financial product advice and deal in general insurance products.
nib is the underwriting agent acting for the insurer and holds a binding authority from the insurer which allows nib to issue, vary, renew or cancel your insurance and handle and settle claims. This means that nib acts as the insurer's agent and not as your agent.
nib doesn't issue travel insurance directly to customers.
nib is liable for the FSG part of this Combined Financial Services Guide and Product Disclosure Statement.
Contact:
Phone: 1300 625 229 (local call in Australia) or
+61 2 8263 0487
Fax: +61 2 8263 0494
nib Travel Services
PO Box A975
Sydney South NSW 1235
About World Nomads
WorldNomads.com Pty Limited, ABN 62 127 485 198, AR 343027 (World Nomads) is an authorised representative of nib. World Nomads is authorised to deal in general insurance products and give general financial product advice.
World Nomads acts on behalf of nib and the insurer in marketing, arranging and administering the insurance and not on your behalf. World Nomads markets this insurance directly and through a global network of affiliates. nib Travel Services (Australia) Pty Limited and World Nomads are wholly owned subsidiaries of nib holdings limited, ABN 51 125 633 856, and are part of the nib Group of companies.
Contact World Nomads:
You can contact World Nomads at:
Phone: 1300 787 375 (within Australia) or +61 2 8263 0400 (outside Australia)
Email: infoAUS@worldnomads.com
Fax: +61 2 8263 0444
PO Box H2
Australia Square
Sydney NSW 2000
About the World Nomads global affiliate network
Affiliates are often businesses that provide travel services or are connected to the travel industry. World Nomads is responsible for managing the insurances referred by these entities.
Affiliates are only authorised to provide you with factual information and refer details to World Nomads who will arrange this insurance. Affiliates are not authorised to arrange or give you any advice about the financial product.
If you require general advice about the insurance product, please contact World Nomads.
About World Nomads' Distributors
World Nomads and nib also may appoint distributors to arrange or otherwise deal in this insurance on their behalf. Distributors are not authorised to give you any advice about the financial product. If you require general advice about the insurance product, please contact World Nomads.
Remuneration
nib is paid a commission by the insurer for arranging, issuing and managing travel insurance services on behalf of the insurer. This amount is calculated as a percentage of the gross premium you pay (i.e. the premium and taxes) for the policy. Employees of nib receive an annual salary.
nib pays a percentage of its commission to World Nomads when you buy a policy. This is calculated as a percentage of the gross premium (i.e. the premium and taxes) you pay for the policy.
The representatives of WorldNomads.com Pty Limited receive an annual salary including bonuses based on performance criteria, which can include sales performance.
If the insurer makes an underwriting profit in a given year, nib can receive a profit commission based on the performance and profitability of all insurances placed by nib.
World Nomads also works with affiliates who introduce or refer customers to World Nomads. If you are referred to World Nomads by an affiliate, the affiliate who referred you is paid a referral fee from the commission that World Nomads receives from nib. The referral fee is calculated as a percentage of the gross premium when you buy a policy and is at no extra cost to you. Depending on certain eligibility criteria, an affiliate can receive additional benefits such as discounted travel insurance or marketing assistance from World Nomads. World Nomads may also work with distributors who are paid a commission which is calculated as a percentage of the gross premium when you buy a policy and is at no extra cost to you.
If you would like more information about the remuneration that World Nomads or nib receives, please contact World Nomads. This request should be made within a reasonable period of time after this FSG is provided to you and before any financial services are provided by World Nomads.
Feedback, complaints and disputes
If you have any feedback about our service – positive or negative – we would like you to share it with us.
Call us on phone: 1300 787 375 (within Australia) or +61 2 8263 0400 (outside Australia) or email us at infoAUS@worldnomads.com
How we handle complaints
If you have a complaint arising out of this insurance or the financial services provided by the insurer, our representatives, affiliates, or service providers, please contact Customer Relations:
nib will acknowledge your complaint within 5 business days and provide you with the contact details of the person handling your complaint. We will respond to your complaint within 15 business days. If more time is needed to collect necessary information or complete any further investigation required, nib will agree with you a reasonable alternative timeframe.
If you are not satisfied with the response to your complaint, you should contact the Lloyd's General Representative in Australia for consideration under their dispute resolution process. You can contact Lloyd's at:
Customer Relations
Phone:
1300 625 229 (local call in Australia) or +61 2 8263 0487
Email: complaints@nibtravel.com
Fax: +61 8263 0494
Customer Relations
nib Travel Services
PO Box A975
Sydney South NSW 1235
Lloyd's Underwriters' General Representative in Australia
Level 9, 1 O'Connell Street
Sydney NSW 2000
Phone: +61 2 8298 0700
Email: idraustralia@lloyds.com
Your dispute will be acknowledged within 5 working days of receipt, and Lloyd's will send a final response on behalf of the Underwriters within 15 business days.
If we are unable to resolve your complaint within 45 days of receiving your original complaint, or if you are still not satisfied with the outcome, you can choose to have your complaint independently reviewed by the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers. AFCA can be contacted at:
Website: afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Professional indemnity insurance
nib and its representatives (including World Nomads) are covered under professional indemnity insurance arrangements that comply with the requirements of Chapter 7 of the Corporations Act. The insurance (subject to its terms and conditions) will continue to cover claims in relation to nib's representatives that no longer work for it (but who did at the time of the relevant conduct).
Distribution of this document
Distribution of this FSG is authorised by nib.
Date prepared: 11 April 2019
Date effective: 11 April 2019
Version: WNAUS-FSG-03-11APR2019