Bupa
Travel Insurance
Product Disclosure statement
Require emergency
assistance?
Call 1800 119 412
24 hours a day,
7 days a week
If you are overseas
please call +61 7 3305 7497
This insurance is issued and managed by
AWP Australia Pty Ltd
trading as Allianz Global Assistance
ABN 52 097 227 177
AFS Licence 245631
as an agent for Allianz
Registered Office
Level 16, 310 Ann Street
Brisbane QLD 4000
This insurance is underwritten by
Allianz Australia Insurance Limited
ABN 15 000 122 850
AFS Licence 234708
Level 16, 10 Carrington St
Sydney, NSW 2000
Prepared on 8 September, 2023.
Contents
About this Product Disclosure Statement .................................................................................... 1
Understanding this product and its important terms and conditions ......................................... 1
Updating the PDS ............................................................................................................................................ 2
Who is the insurer? .......................................................................................................................................... 2
Who is Allianz Global Assistance? ............................................................................................................ 2
Purchasing this Product .................................................................................................................. 3
Who is eligible to purchase a policy? ....................................................................................................... 3
Travelling with children/grandchildren? ................................................................................................. 3
Do any age limits apply? .............................................................................................................................. 3
Plans & Cover Types ....................................................................................................................................... 3
Excesses .............................................................................................................................................................. 7
Applying for cover ........................................................................................................................................... 8
Your insurance premium ............................................................................................................................... 8
Cooling-off period ........................................................................................................................................... 9
Cancellation after the cooling-off period .............................................................................................. 9
Cancellation after the cooling-off period due to COVID-19 .........................................................10
Table of Benefits ...........................................................................................................................11
Epidemics and Pandemics (such as COVID-19) ........................................................................15
Pre-existing Medical Conditions .................................................................................................16
Travel during pregnancy ..............................................................................................................18
Activities included in this product ............................................................................................... 19
Optional Covers ............................................................................................................................. 21
Adventure Pack ..............................................................................................................................................22
Cruise Pack ......................................................................................................................................................24
Snow Pack ........................................................................................................................................................ 25
Increased Item Limits Cover .......................................................................................................................27
Varying the Base Excess .............................................................................................................................27
Policy Benefits 1.1 to 6.1 ............................................................................................................... 28
Optional Covers - Cruise Pack and Snow Pack Policy Benefits 7.1 to 7.13 .......................... 46
General Exclusions ....................................................................................................................... 58
Your duty to take reasonable care not to make a misrepresentation .................................... 63
Other things you need to know ...................................................................................................64
Limitation of cover .........................................................................................................................................64
Jurisdiction and choice of law ...................................................................................................................64
General Insurance Code of Practice ......................................................................................................64
Financial Claims Scheme ............................................................................................................................ 64
Privacy Notice ................................................................................................................................ 65
Claims ............................................................................................................................................. 67
Our Definitions ............................................................................................................................... 72
Regions ...........................................................................................................................................78
Contact Allianz Global Assistance
Sales and general enquiries
1300 992 694
24 hour Emergency Assistance
+61 7 3305 7497
(overseas)
1800 119 412
(within Australia)
Please note additional charges may apply
for any calls made from mobiles, public
telephones or hotel rooms.
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A Product Disclosure Statement (PDS) is
a document required by the Corporations
Act 2001 (Cth) and contains information
designed to help you decide whether to
buy this product and to compare it with
other products you may be considering.
This PDS sets out the cover available,
what isn’t covered and the terms and
conditions which apply. Please note that
any recommendations or opinions in this
document are of a general nature only and
do not take into account your objectives,
financial situation or needs. Before you
make any decisions about the product, you
should read this PDS carefully to ensure
that it is suitable for you.
You need to decide if the benefit limits, type,
and level of cover are appropriate for you
and will cover your potential loss.
You may be eligible under other insurance
that include some or all of the benefits
provided under this product. You should
read this Product Disclosure Statement
carefully and consider whether this product
suits your objectives, financial situation or
needs.
If you have any queries, want further
information about this product or want
to confirm a transaction, please use the
contact details on the back cover of this
PDS.
The documents that form your policy are
listed below. Please carefully read them
and make sure you can access them while
travelling and upon your return:
• this Product Disclosure Statement;
• Certificate of Insurance;
• Medical Terms of Cover document (if
applicable).
Understanding this
product and its
important terms and
conditions
To properly understand this product’s
features, benefits, limits, conditions and
exclusions you need to carefully read
this document in full, including without
limitation, please read:
• the section headed
purchasing
this product
– contains important
information on who is eligible to
purchase a policy, age limits and cover
types, your period of cover and when
About this Product
Disclosure Statement
the cover can be extended or amended,
applicable excesses, your insurance
premium, the cooling-off period, and
more;
• about the benefit limits that we will
pay that apply to each plan in the
Table of Benefits
, the activities which
are automatically included, and any
options in the section headed
Optional
Covers
– including the limits on the
amount we will pay that apply to each
plan in the
Cruise Pack
and
Snow
Pack Tables of Benefits
;
• the section headed
Pre-existing
Medical Conditions
(remember certain
words have defined meanings – see
the section headed
Our Definitions
on
pages 72 to 77).
• the section headed
Your Duty to
take reasonable care not to make a
misrepresentation
;
• the section headed
Other Things You
Need To Know
- contains information
on the
General Insurance Code
of Practice
, the
Financial Claims
Scheme
, our
Privacy Notice
, and more;
• what we cover and what we do not
cover under each
Policy Benefits
section and
Optional Covers
section
(where applicable to any cover you
purchase), and in the section headed
General Exclusions
;
• the section headed
Claims
- when
you can choose your own doctor, and
when you should contact Allianz Global
Assistance concerning 24 hour medical
assistance, overseas hospitalisation or
medical evacuation. This section also
sets out important information about
how we will consider claims and certain
obligations that you and we have,
circumstances in which we may refuse
to pay or reduce the amount we will
pay in relation to a claim, our dispute
resolution process, and more.
Updating the PDS
We may need to update this PDS from time
to time. We will do this if certain changes
occur, and we are required and permitted
by law to do so. We will issue you with
a new PDS or a supplementary PDS to
update the relevant information except in
limited cases.
Where the information is not to correct a
misleading or deceptive statement or an
omission that is materially adverse, from
the point of view of a reasonable person
considering whether to buy this product,
Allianz Global Assistance may provide the
updated information on their website.
You can also get a paper copy of the
updated information free of charge by
calling the contact number shown on the
back cover of this PDS.
Who is the insurer?
This product is underwritten by Allianz
Australia Insurance Limited
ABN 15 000 122 850 AFS Licence No.
234708 (Allianz), telephone 132 664.
Who is Allianz Global
Assistance?
Allianz Global Assistance is a trading name
of AWP Australia Pty Ltd ABN 52 097
227 177 AFS Licence No. 245631, of Level
16, 310 Ann Street, Brisbane, QLD 4000,
telephone (07) 3305 7000.
Allianz Global Assistance has been
authorised by Allianz to enter into the
policy and deal with and settle any claims
under it, as the agent of Allianz, not as your
agent. Allianz Global Assistance acts under
a binder which means that it can do these
things as if it were the insurer. It administers
all the benefits of this insurance.
For all assistance services, you may contact
Allianz Global Assistance 24 hours a day,
7 days a week.
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Who is eligible to
purchase a policy?
You are eligible to purchase a policy if you
meet the following criteria:
• you have a permanent home in
Australia and you:
– are a permanent resident of
Australia; or
– hold a current Australian visa - but
not a tourist or working holiday
visa - that will remain valid after
your journey ends and allows you
unrestricted right of entry into
Australia; or
– hold a valid Australian Medicare
card; and
• you purchase your policy before
starting your journey; and
• your journey will start and end in
Australia.
Please note that if requested, you will need
to prove your eligibility (where reasonable)
by providing any of the following:
a]
a copy of your passport;
b]
Australian residency documents;
c]
a copy of your current visa;
d]
a copy of your valid Medicare card; or
e]
other official documents confirming
your right to reside in Australia.
Travelling with children/
grandchildren?
If traveling with children or grandchildren,
they can be covered as dependants under
Plans with Single or Family cover types
under the Comprehensive, Essentials, or
Domestic Plan.
Dependants include children,
grandchildren, step children, adopted
children, foster children, and children
you care for under a legal guardian
arrangement.
This coverage applies only if they will be
with you for 100% of your journey, and are
not in full-time employment and are under
25 years old.
Please note that an additional premium
may be payable.
Do any age limits apply?
Our Comprehensive, Domestic and Non-
Medical Plans are available to travellers of
all ages.
Our Essentials Plan is only available to
travellers who are aged under 75 years
at the time the Certificate of Insurance is
issued.
Our Multi-Trip Plan is only available to
travellers who are aged under 75 years at
the time the Certificate of Insurance is issued.
Plans & Cover Types
Plans
This product contains the following plans:
• Comprehensive
• Essentials
• Domestic
• Multi-Trip
The plan(s) which are available for
your journey depends on your travel
arrangements and is subject to you meeting
the eligibility criteria. The
Table of Benefits
on pages 11 to 14 sets out the benefits and
limits which apply to each plan.
Purchasing this Product
Depending upon your pre-existing
medical condition(s), we may be unable
to provide you with cover for any
medical or hospital expenses, or for any
other losses or expenses arising from,
related to or associated with any injury,
illness or sickness suffered by you.
If that is the case, you may be able
to purchase our Non-Medical Plan.
Please refer to the
Table of Benefits
and the
Pre-existing Medical
Conditions
section for further
information about this plan.
Cover Types
The cover type which will apply to your policy
is based on the number of eligible travellers
to be listed on your Certificate of Insurance.
The following cover types are available.
Where a cover type advises that it covers a
spouse/partner or dependants, cover is only
provided if those persons are named on your
Certificate of Insurance.
Single
Covers you and your dependants. The single
benefit limits are shown in the
Table of
Benefits
under the plan you have selected.
The benefit limits apply to all claims
combined, including any dependants and
not to each insured person.
Duo
Covers two insured persons travelling together
- but does not provide cover for dependants.
The duo benefit limits are shown in the
Table
of Benefits
under the plan you have selected.
The benefit limits apply to all claims combined
for each insured person. Cover for dependants
is not included with this Plan.
Family
Covers you and your spouse/partner and
dependants. The family benefit limits are
shown in the
Table of Benefits
under the
plan you have selected. The benefit limits
apply to all claims combined, including
dependants and not to each insured person.
Non-Medical
Covers one insured person only. The benefit
limits are shown in the
Table of Benefits
under the Non-Medical Plan. A dependant
is covered as an insured person under this
plan.
Multi-Trip
Covers the insured persons named on the
Certificate of Insurance. The Multi-Trip benefit
limits are shown in the
Table of Benefits
. The
benefit limits apply to all claims combined for
each insured person per journey. However,
except for
Benefit 6.1 Personal Liability
,
all other benefit limits and sub-limits which
are available under the Multi-Trip Plan are
reinstated on the completion of each journey.
Dependants are covered as insured persons
rather than dependants under this plan.
Period of cover
We will confirm the issue of your policy
by providing you with a Certificate of
Insurance. The Certificate of Insurance
will list the period you are insured for. See
When does my cover start?
and
When
does my cover end?
below.
Important travel alert information
Before purchasing your travel insurance,
check www.smartraveller.com.au and www.
allianzpartners.com.au/travel-insurance/
travel-alerts for travel alerts or advisories
for your intended destination(s).
Coverage may be affected or declined
where a claim arises because you did not
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Automatic extensions of cover
Your cover will be extended at no
additional charge if your return to your
home has been delayed because of one or
more of the following:
• a bus line, airline, shipping line or rail
authority you are travelling on, or that
has accepted your fare or luggage and
personal effects, is delayed; or
• the delay is due to an event that is
covered under this policy. If the event
causing the delay is not covered
under this policy, please refer to the
"Extending your cover if you are already
travelling" section of the PDS as you
may be eligible to extend your original
period of cover.
The cover provided under
Benefit 1.4
Accidental Death
will not automatically
extend for any period more than 12
consecutive months from the start date
shown on your Certificate of Insurance, in
any circumstances.
The cover will end when you return home
or if after assessment of your claim, the
reasonable medical advice is that you
are medically fit to return to Australia,
the cover will end on the date that Allianz
Global Assistance would have been able
to reasonably facilitate your return to
Australia.
Extending your cover if you are
already travelling
If you are already travelling and would
like to be insured for longer than your
original period of cover, you will need to
apply for cover prior to the expiry of your
original policy.
To apply, please contact us on the number
shown on the back cover of this PDS to
determine your eligibility. Please note
follow an advice or warning issued by an
Australian government relating to your
destination. This includes travelling when
a
‘Reconsider your need to travel’
or
‘Do
not travel’
alert is in place and not taking
action to minimise or avoid any potential
claim. Please note, this also applies even if
the Australian government has given you
permission to travel or you fall under a
specific exemption where there is otherwise
a travel ban in place that prohibits you from
travelling.
Where will I be covered?
Before you select your plan, we will ask you
to list the destinations you intend to visit,
including any destination where you will
have a transit time or stop-over of more
than 24 hours. However, you don’t need to
list the destinations where your transit time
or stop-over is less than 24 hours.
If you haven’t yet decided on all of the
destinations you will be visiting, you can list
the region(s) you’re travelling to instead
(rather than trying to work out each
destination).
The Certificate of Insurance will list the
destination(s), countries, and/or regions
you have selected for cover. In addition,
the Certificate of Insurance will also list the
region/s you can travel to with this cover at
no additional cost. See pages 78 to 80 for
our
Regions
list.
Aside from any destinations where your
transit time or stop-over is less than 24
hours, your policy will not provide cover
outside of the destination(s), countries
and/or regions listed on your Certificate of
Insurance.
When does my cover start?
For a Comprehensive, Essentials, Domestic,
Multi-Trip or Non-Medical Plan:
• cover under
Benefit 2.1 Cancellation
begins from the date your policy is
issued - this is shown on your Certificate
of Insurance as the date of issue.
Note that cover under
Benefit 2.1
Cancellation
only applies to the
travel arrangements you will be using
between the start and end dates shown
on your Certificate of Insurance.
• cover for all other benefits begins
when you start your journey or on the
start date shown on your Certificate of
Insurance, whichever happens later.
When does my cover end?
For a Comprehensive, Essentials, Domestic
or Non-Medical Plan:
• all cover finishes at the end of your
journey or on the end date shown on
your Certificate of Insurance whichever
happens first.
For the Multi-Trip Plan:
• all cover finishes at the end of your
journey, at the expiry of the nominated
journey period or on the end date
shown on your Certificate of Insurance,
whichever happens first.
that acceptance is not guaranteed and
may be subject to certain underwriting
requirements. If accepted, additional
premium will apply.
If we accept your application, we will issue
you with a new policy which will not be an
extension of your original policy. A new
period of cover will apply and you will be
issued with a new Certificate of Insurance.
The period of cover on your new Certificate
of Insurance cannot exceed 12 months
from the start date shown on your new
Certificate of Insurance for Comprehensive,
Essentials or Non-Medical plans and 69
days for Domestic plans.
A new policy cannot be provided if you
are already travelling and if your original
policy is:
– a Multi-Trip plan; or
– an Essentials plan if you are aged 75
years or over at the time you apply for
a new policy to extend your cover.
Important:
Cover under your new policy
will not be provided:
• for any pre-existing medical condition
covered under your original policy
unless you make further application
for cover and Allianz Global Assistance
agrees to provide cover for your pre-
existing medical condition;
• for any medical condition you suffered
during the term of your original policy
(which will be defined as a pre-existing
medical condition under your new
policy) unless you apply for cover for
your pre-existing medical conditions at
the time you apply for your new policy;
or
• for any circumstances that have given
(or may give) rise to a claim under your
original policy.
You are only covered for incidents
or events when you are on a journey
during the period you nominated as
shown on your Certificate of Insurance.
The maximum period for any one
journey under the Multi-Trip Plan, is
shown on your Certificate of Insurance.
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Excesses
those approved pre-existing medical
conditions. Where a medical excess
applies to a claim, it will replace the
base excess, not be additional to it.
We will inform you in writing if a
medical excess applies and this will be
shown on your Certificate of Insurance.
Applying for cover
When you apply for your policy, we will
confirm with you things such as the period
of cover, your premium, what cover options
you have selected and what excesses will
apply, and whether any standard terms are
to be varied. These details will be recorded
on the Certificate of Insurance issued to you
which may vary the standard PDS terms.
To confirm any policy transaction, (if the
Certificate of Insurance does not have all
the information you require), call Allianz
Global Assistance using the contact number
shown on the back cover of this PDS.
If we are unable to offer you the cover
you seek, it will be because the particular
product offered is not designed to cover
a particular risk or risks including, but not
limited to, some geographical regions,
some pre-existing medical conditions or
some ages. In such a case, if you would
like to discuss your options please use the
contact details on the back cover of this
PDS, or contact the Insurance Council of
Australia (ICA) - the ICA provides a referral
service which is available on their website
at www.insurancecouncil.com.au. Select
‘Find an Insurer’
to view a list of general
insurers who may be able to provide
insurance to suit your requirements.
Your insurance premium
The cost of your insurance is called a
‘premium’. You will be told the premium
that is payable for your policy when
you apply and it will be shown on your
Certificate of Insurance.
The premium amount is calculated using a
number of factors including:
• your risk profile. We work this out using
a number of factors such as:
– your travel destination(s),
– the length of your journey,
– the amount and type of cover you
require,
– the number of people to be insured
under the policy, and their ages,
– the time between the date you
purchase your policy and the start
date of your journey,
– the pre-existing medical condition(s)
of the people insured under the
policy,
– the likelihood of a claim being
made on your policy.
• any discounts that may apply;
• any government charges we pay, such
as Stamp Duty and GST;
• any other charges we tell you about;
• the excess you choose.
An excess is an amount which may be
deducted from any claim payment we
make to you. Please read the following
information about the types of excesses
which may apply to your policy.
For example:
Sam selects a $200 base
excess for his policy. Sam applies for
cover of a pre-existing heart condition.
Allianz Global Assistance agrees to
provide cover for this condition and
Sam selects a $500 medical excess.
If Sam needs to make a claim arising
from this condition, the medical excess
of $500 will be applied to the claim.
However, if Sam needs to make a claim
which is not related to any covered
pre-existing medical condition, then the
$200 base excess will be applied - not
the medical excess.
Base excess
Your policy has a base excess which is
shown on your Certificate of Insurance.
The base excess applies to all events
causing a claim except where the claim is
payable under any of the following benefits
in which case the base excess will not apply:
1.1 Overseas Emergency Assistance
1.3 Funeral Expenses
3.2 Travel Delay Expenses
4.2 Luggage & Personal Effects Delay
Expenses
4.4 Theft of Cash
7.3 Cabin Confinement
7.6 Formal Wear Delay Expenses
7.7 Marine Rescue Diversion
7.12 Piste Closure
You also have the option to vary the
amount of the base excess - refer to
Varying The Base Excess
in the
Optional
Covers
section for details.
Other excesses
a]
If you apply for cover of your pre-
existing medical conditions (and
Allianz Global Assistance agrees to
provide you with cover), a medical
excess may apply to claims arising from
b]
In addition to your base excess, a non-
removable excess of $500 will apply
to any claim payable under
Benefits
1.2 Overseas Medical & Hospital
Expenses
and
2.1 Cancellation
if you
have purchased:
• a
Snow Pack
and your claim arises
from your participation in snow
sport activities; or
• an
Adventure Pack
and your claim
arises from your participation in
any of the activities listed under the
Adventure Pack
in the
Optional
Covers
section.
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Cooling-off period
Even after you have purchased your policy,
you have cooling-off rights.
If you decide that you do not want your
policy, you may cancel it within 14 days
after you are issued your Certificate of
Insurance. We will give you a full refund of
the premium you paid, provided:
• you have not started your journey; and
• you do not want to make a claim under
your policy; and
• you do not want to exercise any other
right under your policy.
Cancellation after the
cooling-off period
If you wish to cancel your policy more
than 14 days after you are issued your
Certificate of Insurance, we will provide a
partial premium refund of the premium you
paid, provided:
• you have not started your journey; and
• you do not want to make a claim under
your policy; and
• you do not want to exercise any other
right under your policy.
We will calculate the partial refund on a
pro-rata basis from the date you contact us
to cancel your policy until the end date of
the period of cover provided by your policy.
Cancellation after the
cooling-off period due
to COVID-19
If you have been prevented from travelling
or, where you have already commenced
your journey, you have had your journey
shortened, because:
• of a border closure arising from
COVID-19; or
• you are required to complete a
mandatory quarantine period because
of where you are travelling or intend to
travel to or from,
you may cancel your policy after the cooling-
off period. We will give you a partial refund
or full refund of the premium you paid,
subject to the conditions outlined below.
The border closure or quarantine must be:
• due to COVID-19; and
• enforced by a government or other
competent authority in the jurisdiction
where you are travelling or intend to
travel to or from; and
• in effect at the time you cancel your
policy or at the time when you are due
to commence your journey.
We will calculate any premium refund
we give you due to border closure or
quarantine arising from COVID-19 as
follows:
Cancellation of single trip policies due to
COVID-19
If you have not commenced your journey
We will provide a full premium refund.
If you have commenced your journey
We will provide a partial premium refund.
We will calculate the partial refund on a
pro-rata basis from the date you returned
home from your journey until the end date
of the period of cover provided by your
policy.
You will not be eligible for any premium
refund if:
• you have made a claim which is
paid in part or full; or
• you want to make a claim; or
• you want to exercise any other right
under your policy.
Cancellation of Multi-Trip policies due to
COVID-19
If you have not commenced any journey
We will provide a full premium refund.
If you have commenced a journey and
your journey was shortened due to a
COVID-19 border closure or quarantine
We will provide a partial premium refund.
We will calculate the partial refund on a
pro-rata basis from the date you returned
home from your journey until the end date
of the period of cover provided by your
policy.
If you have undertaken a previous
journey but did not have your previous
journey shortened due to a COVID-19
border closure or quarantine
We will provide a partial premium refund.
We will calculate the partial refund on a
pro-rata basis from the date you contact us
to cancel your policy until the end date of
the period of cover provided by your policy.
Note:
If you cancel your multi-trip policy,
there will not be cover under the policy
for any event occurring after the policy
cancellation date.
Outside of these circumstances, you can
still cancel your policy but, we will not
refund any part of your premium if you do.
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Table of Benets
The table below sets out the benefits that apply to each of the plans listed and the maximum
amount we will pay for all claims combined under each benefit.
This table is a summary
only. Please carefully read the PDS in full to ensure you understand the extent of cover
provided and limitations (including any sub-limits) that apply.
Benefits
Comprehensive Plan Essentials Plan Domestic Plan
single
benefit limit
duo benefit
limit
[per person]
family
benefit limit
single
benefit limit
duo benefit
limit
[per person]
family
benefit limit
single
benefit limit
duo benefit
limit
[per person]
family
benefit limit
1.1 Overseas Emergency Assistance
^
$20 million $20 million $40 million
$20 million $20 million $40 million Nil Nil Nil
1.2
Overseas Medical & Hospital
Expenses
^
$20 million $20 million $40 million $20 million $20 million $40 million Nil Nil Nil
1.3 Funeral Expenses
^
$60,000 $60,000 $120,000 $60,000 $60,000 $120,000 Nil Nil Nil
1.4 Accidental Death
$25,000 $25,000 $50,000
Nil Nil Nil $25,000 $25,000 $50,000
1.5 Permanent Disability
^#
$25,000 $25,000 $50,000 Nil Nil Nil Nil Nil Nil
2.1 Cancellation
As selected
*†
As selected
*†
As selected
*†
As selected
*†
As selected
*†
As selected
*†
As selected
*†
As selected
*†
As selected
*†
3.1 Additional Expenses
$50,000
*
$50,000
*
$100,000
*
$25,000
*
$25,000
*
$50,000
*
$25,000
*
$25,000
*
$50,000
*
3.2 Travel Delay Expenses $2,000
*
$2,000
*
$4,000
*
$2,000
*
$2,000
*
$4,000
*
$2,000
*
$2,000* $4,000
*
3.3 Alternative Transport Expenses
^
$5,000 $5,000 $10,000 Nil Nil Nil Nil Nil Nil
4.1
Luggage, Personal Effects &
Valuables
$10,000
*
$10,000
*
$20,000
*
$5,000
*
$5,000
*
$10,000
*
$10,000
*
$10,000
*
$20,000
*
4.2
Luggage & Personal Effects Delay
Expenses
$1,000 $1,000 $2,000 $500 $500 $1,000 $1,000 $1,000 $2,000
4.3
Travel Documents, Transaction Cards
& Travellers Cheques
^
$5,000 $5,000 $10,000 Nil Nil Nil Nil Nil Nil
4.4 Theft of Cash $250 $250 $500 Nil Nil Nil $250 $250 $500
5.1 Rental Vehicle Excess $6,000 $6,000 $6,000 $3,000 $3,000 $6,000 $6,000 $6,000 $6,000
6.1 Personal Liability
#
$5 million $5 million $5 million
$2.5 million $2.5 million $2.5 million $5 million $5 million $5 million
† A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you
make a selection. However, you are able to choose different levels of cover from the amounts
available to you when you purchase your policy. Any benefit limit selected by you will be
shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay
for all claims under Benefit 2.1 Cancellation.
^
you do not have cover under this benefit while travelling in Australia.
*
sub-limits apply - refer to the
Policy Benefits
section of the PDS for details.
#
you will not have cover under
Benefits 1.5 Permanent Disability
and
6.1 Personal Liability
for
any claims arising from your participation in any of the activities listed under
Adventure Pack
or
your participation in snow sport activities.
13
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Multi-Trip and Non-Medical plans
Table of Benefits - Multi-Trip and Non-Medical plans
Benefits
Multi-Trip Plan Non-Medical Plan
benefit limit
[per person]
Non-Medical
benefit limit
1.1 Overseas Emergency Assistance
^
$20 million Nil
1.2 Overseas Medical & Hospital Expenses
^
$20 million Nil
1.3 Funeral Expenses
^
$60,000 Nil
1.4 Accidental Death $25,000 $25,000
1.5 Permanent Disability
^#
$25,000 $25,000
2.1 Cancellation As selected
*†
As selected
*†
3.1 Additional Expenses $50,000
*
$50,000
*
3.2 Travel Delay Expenses $2,000
*
$2,000
*
3.3 Alternative Transport Expenses
^
$5,000 $5,000
4.1 Luggage, Personal Effects & Valuables $10,000
*
$10,000
*
4.2
Luggage & Personal Effects Delay
Expenses
$1,000 $1,000
4.3
Travel Documents, Transaction Cards &
Travellers Cheques
^
$5,000 $5,000
4.4 Theft of Cash
$250 $250
5.1 Rental Vehicle Excess $6,000 $6,000
6.1 Personal Liability
#
$5 million $5 million
† A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you
make a selection. However, you are able to choose different levels of cover from the amounts
available to you when you purchase your policy. Any benefit limit selected by you will be
shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay
for all claims under Benefit 2.1 Cancellation.
^
you do not have cover under this benefit while travelling in Australia.
*
sub-limits apply - refer to the
Policy Benefits
section of the PDS for details.
#
you will not have cover under
Benefits 1.5 Permanent Disability
and
6.1 Personal Liability
for
any claims arising from your participation in any of the activities listed under
Adventure Pack
or
your participation in snow sport activities.
For example:
John is travelling
domestically for one week (7 days) and
internationally for four weeks (28 days)
within the 12 month policy period. John
would choose up to 30 days as this is
the duration of his longest journey.
• Not available to travellers aged 75
years or over at the time the Certificate
of Insurance is issued.
• Your spouse or partner, accompanying
dependants or travel companion may
be covered under this plan if they are
aged under 75 years at the time the
Certificate of Insurance is issued. If
you require cover for your spouse or
partner, accompanying dependants or
travel companion, you can add them at
the time of purchasing this plan. If cover
is available, an additional premium will
apply.
Non-Medical Plan
In addition to no cover being provided
under
Benefit 1.1 Overseas Emergency
Assistance,
Benefit 1.2 Overseas Medical
& Hospital Expenses
and
Benefit 1.3
Funeral Expenses
it is important to note
that under a
Non-Medical Plan
, there
is no provision for you to claim under the
following benefits if the claim arises from,
is related to or associated with any injury or
sickness suffered by you:
2.1 Cancellation
3.1 Additional Expenses
3.2 Travel Delay Expenses
The table on the next page sets out the
benefits that apply to each of the plans
listed and the maximum amount we will pay
for all claims combined under each benefit.
This is a summary only. Please carefully
read the PDS in full to ensure you
understand the extent of cover provided
and limitations (including any sub-limits)
that apply.
Multi-Trip Plan
• 12 month policy which covers the
number of journeys that can be taken
having regard to the maximum journey
period chosen by you.
• A journey which is limited to travel
within Australia must include a
destination at least 250 kilometres
from your home (there is no cover
for journeys limited to less than 250
kilometres from your home).
• When purchasing this plan, you will
need to specify the duration of your
longest journey within the 12 month
policy period to ensure all of your
journeys are covered. The duration you
choose
must
cover
the total number
of consecutive days in your
longest
journey
. You will be able to choose
from
up to 15 days
,
up to 30 days
or
up to 45 days
. The number of days
you nominate will be shown on your
Certificate of Insurance.
• Benefits limits and sub-limits are per
person and are reinstated on the
completion of each journey except for
Benefit 6.1 Personal Liability
- the
amount shown in the
Table of Benefits
is the most we will pay for all claims
combined under
Benefit 6.1
for the 12
month policy period.
15
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Pre-existing
Medical Conditions
Pre-existing medical conditions can
complicate medical treatment, lengthen
your recovery time, and increase medical
costs if you are injured or become sick
while overseas. The likelihood of needing
to cancel your holiday for health reasons is
also a possibility. Therefore it is important
that you understand what this product
covers when it comes to your health.
Please ensure that you read the definition
of pre-existing medical condition in the
section headed
Our Definitions
. The
definition makes reference to ‘a condition
of which a reasonable person in the
circumstances, should have been aware
at the time of issue of the Certificate of
Insurance’. Reference to a reasonable
person is a reference to what would be
expected of an average person in the
circumstances.
Please read the following information
carefully
We will only provide cover for claims
which arise directly or indirectly from your
pre-existing medical condition
if
you have
disclosed the condition to Allianz Global
Assistance
and
they have agreed in writing
to include cover under your policy for the
condition. Details of the approved
pre-existing medical condition(s) will be
set out on your Certificate of Insurance or
Medical Terms of Cover document.
If you:
• choose not to disclose any pre-existing
medical condition; or
• disclose your pre-existing medical
condition to Allianz Global Assistance
but do not accept the offer from them
to include cover under your policy for
your condition,
you won’t be covered for any claim that
arises from that condition.
Including cover for your
pre-existing medical condition
You can apply to include cover under your
policy for certain pre-existing medical
condition(s) at the time of purchasing
your policy. You will need to complete our
medical assessment which can be done
on-line or by calling the sales and general
enquiries number shown on the back cover
of this PDS.
If you are pregnant at the time of
purchasing your policy, your pregnancy is
considered to be a pre-existing medical
condition. Please ensure you read the
section titled
Travel During Pregnancy
on page 18 for important information
about the cover this product provides for
pregnancy and when you need to apply for
cover of a pre-existing medical condition.
Signs or symptoms of
undiagnosed medical conditions
If you are experiencing signs or symptoms
of a medical condition at the time of
purchasing your policy, but
• you have not sought medical advice or
a diagnosis;
• you have not been diagnosed;
• you are awaiting a specialist opinion; or
• the signs and symptoms are under
investigation,
(collectively, undiagnosed medical
condition)
you cannot apply to include cover for the
undiagnosed medical condition under
Epidemics and Pandemics
(such as COVID-19)
If during your period of cover, you are
positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic,
such as COVID-19, cover is available to you
under the following sections:
1.1 Overseas Emergency Assistance
1.2 Overseas Emergency Medical &
Hospital Expenses
1.3 Funeral Expenses
2.1 Cancellation
3.1 Additional Expenses
provided the plan you purchased provides
cover under that benefit.
In addition, if you have purchased the
optional Cruise Pack, cover is available to
you under the following sections:
7.1 Medical Cover While Cruising
7.2 Evacuation Cover – Ship to Shore
7.3 Cabin Confinement
7.4 Pre-paid Shore Excursion
Cancellation
If you have purchased the optional Snow
Pack, cover is available to you under the
following sections:
7.8 Overseas Emergency Snow Sport
Assistance
7.11 Snow Sport Pack
If during your period of cover,
your travel
companion is positively diagnosed as
suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19,
which impacts your journey, cover is
available to you under the following
sections:
2.1 Cancellation
3.1 Additional Expenses
provided the plan you purchased provides
cover under that benefit
In addition, if you have purchased the
optional Cruise Pack, cover is available to
you under the following section:
7.4 Pre-paid Shore Excursion
Cancellation
Terms, conditions, exclusions, limits and
applicable sub-limits apply. Please refer
to the General Exclusions section and the
exclusions set out in each of the sections
listed above. For all other sections and
any other claim arising from, or related to,
epidemics or pandemics, there is no cover.
17
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Travel during pregnancy
If you know you are pregnant at the time of
purchasing your policy, and:
• you have had pregnancy
complications
Δ
with this or a previous
pregnancy; or
• you are expecting more than one child,
you will need to apply to include cover
under the policy for claims arising directly
or indirectly from your pregnancy by
completing our medical assessment.
Otherwise, you do not need to tell us
about your pregnancy as your policy will
automatically provide cover for pregnancy-
related claims arising from an unforeseen
event, as long as:
• the event occurred prior to the 24th
week of your pregnancy; and
• it is not something excluded under the
policy.
This automatic cover will also apply if you
fall pregnant or discover you are pregnant
after your Certificate of Insurance has been
issued.
Important:
the cover provided under this
product in relation to pregnancy is for
unforeseen events only. Even if Allianz
Global Assistance has included cover under
your policy for your pregnancy, this product
will
never
provide any cover for:
• a pregnancy once it is 24 weeks or more
gestation; or
• any expenses for routine or regular
antenatal care; or
• childbirth at any stage of your pregnancy
or costs relating to the care or health of
a newborn child, other than as a result
of an accident occurring prior to the 24th
week of your pregnancy which:
– causes you to give birth
prematurely; or
– requires you to be admitted to
hospital beyond the 24th week of
your pregnancy, during which time
your child is born.
Please ensure you read the other sections
of the PDS so that you are aware of the
limitations and extent of the cover the
policy provides. In particular, please
consider the
General Exclusions
on pages
58 to 62 as well as
Our Definitions
on
pages 72 to 77.
Δ
We define ‘pregnancy complications’ as
meaning a medical condition for which
the diagnosis is distinct from pregnancy
but is caused by or adversely affected by
pregnancy.
Useful Tips
1.
It’s a good idea to make sure your
doctor and/or midwife are aware
of your travel plans.
2.
Be aware that due to health and
safety requirements, many airlines
and ferry/cruise companies have
their own restrictions regarding
travel during pregnancy.
Please note that their requirements
may be different to the terms and
conditions set out in this product.
3.
Consider whether this insurance is
appropriate for your needs if you
are planning to travel beyond 24
weeks’ gestation.
What happens once you apply
for cover of a pre-existing
medical condition?
Once you have completed our medical
assessment, we will advise you of the
outcome. Depending on your pre-existing
medical condition(s), Allianz Global
Assistance may either:
a]
agree in writing to include cover
under your policy for your pre-existing
medical condition(s) (an additional
premium may be payable, and a
medical excess may apply); or
b]
decline to include cover under your
policy for your pre-existing medical
condition(s); or
c]
decline to provide you with cover for
any medical or hospital expenses, as
well as for any other expenses arising
from, related to or associated with any
injury, illness or sickness suffered by you.
Please note that if Allianz Global Assistance
declines to provide you with cover as stated
in point
c]
above, you will not be able to
continue with your purchase; however there
may be other options available such as:
• you may be eligible to purchase our
Non-Medical Plan - refer to the
Table
of Benefits
on page 14 for details of
the benefits available under this type
of plan. Please call us on the sales and
general enquiries number shown on
the back cover of this PDS for further
information; or
• contacting the Insurance Council of
Australia (ICA) - the ICA provides a
referral service which is available on
their website at www.insurancecouncil.
com.au. Select ‘Find an Insurer’ to view
a list of general insurers who may be
able to provide insurance to suit your
requirements.
If you have any other questions about pre-
existing medical conditions, please call the
sales and general enquiries number shown
on the back cover of this PDS.
You cannot apply for cover of any
pre-existing medical conditions:
• under the Essentials or Non-
Medical Plans; or
• which involve signs or symptoms
you are aware of but which have
not yet been diagnosed by a
medical adviser, or which are under
investigation, or are awaiting a
specialist opinion; or
• for any person who is not travelling
with you on your journey and who
will not be listed as an insured person
on your Certificate of Insurance.
your policy as a pre-existing medical
condition. Examples of undiagnosed signs
or symptoms include, but are not limited to,
unexplained bleeding, persistent cough, or
localised mass or growth.
In these circumstances, the pre-existing
medical exclusion will be applicable. Refer
to the
general exclusions
on page 58 for
more details.
If after you have purchased your policy
and the medical investigation of your signs
or symptoms has been completed and a
diagnosis has been made for those signs
and symptoms, provided you have not
started your journey, you can complete a
pre-existing medical assessment relating to
the signs or symptoms investigated. Please
note that acceptance is not guaranteed.
If accepted, an additional premium will
apply.
19
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picnics, photography and museum or
art gallery visits);
• music and singing;
• orienteering;
• paintball (with eye protection);
• racing on foot as an amateur, for
distances up to and including full
marathon (42.2 kilometres or 26.2 miles)
and note that restrictions apply - refer
to General Exclusions
‘Activities’
and
‘Professional sport
;
• racquet and ball sports not involving
physical contact;
• regulated or licensed ballooning;
• river cruising;
• rockwall climbing (under appropriate
supervision);
• safari (under appropriate supervision, but
not hunting);
• sailing up to 10 nautical miles from land;
• shark cage diving (subject to diving
restrictions listed above);
• shooting (fixed target only);
• skateboarding, roller skating, inline
skating (excluding vert skating or
acrobatics);
• snorkelling at a depth no greater than 10
metres;
• soccer;
• surface water activities in rivers or rapids
graded I, II or III under the International
Scale of River Difficulty, or lakes or canals
(see
www.waterwaysguide.org.au/
GradingSystem);
• surface water activities (other than sailing)
up to 2 nautical miles off any land mass;
• track and field athletics; and
• walking, hiking, trekking or tramping,
peaking at altitudes up to 3,000 metres
where specialist climbing equipment is
not required (excluding expeditions to or
on the Kokoda Track/Trail).
Included activities
• aqua zorbing;
• archery;
• bar and restaurant work (excluding
security or crowd control);
• bicycling (excluding bicycle motocross
(BMX) or downhill mountain biking);
• bungee jumping or canyon swinging;
• camel, donkey or elephant riding
(under appropriate supervision);
• dancing;
• dog sledding;
• diving underwater at a depth no
greater than 10 metres;
• diving underwater using an artificial
breathing apparatus at a depth no
greater than 10 metres (in order to
be covered for this activity, you must
hold an open water diving licence
recognised in Australia, or dive with an
instructor licensed for these activities,
and note that restrictions apply - refer
to General Exclusion
‘Diving alone’
);
• fishing (on land or within 2 nautical
miles of land);
• fruit picking that does not involve the
use of machinery;
• go-karting;
• golf;
• gym activities (excluding powerlifting);
• gymnastics (excluding competitions);
• horse riding (excluding competitions,
equestrian events, steeple chasing,
jumping, or polo);
• ice skating on a rink (excluding
competitive skating, racing, speed
skating, and tour skating);
• leisure activities (meaning any activities
involving minimal physical exertion
that are undertaken for relaxation or
pleasure. For example, sight-seeing,
Activities included
in this product
This product automatically provides cover for your participation in
the activities listed under the ‘Included activities’ section during your
journey.
Additional activities are available in our
Optional Covers
section, if
you purchase the relevant pack.
The
Optional Covers
section on pages 21 to 27 details the other
activities for which cover can be purchased. Details of any
Optional
Cover
you purchase will be shown on your Certificate of Insurance.
It is important you are aware of the limitations and extent of cover this
product provides. Please ensure you read and consider:
• information about the benefit under which your claim is made;
• all the other sections of the PDS;
• the
General Exclusions
on pages 58 to 62; and
•
our Definitions
on pages 72 to 77.
21
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Adventure Pack
Our
Adventure Pack
provides cover for
your participation in the activities listed on
page 23, in addition to the activities listed
in the section
Activities Included in this
Product
on page 20. If you purchase the
Adventure Pack
, it will be shown on your
Certificate of Insurance.
You must be aged under 75 years at the
time of issue of your Certificate of Insurance
in order to purchase this optional pack.
• No cover will apply under
Benefits 1.5 Permanent
Disability
or
6.1 Personal
Liability
for any claims arising
from, or in any way connected
with you participating in any
of the activities listed in the
Adventure Pack
.
• An excess of $500, which is in
addition to any base excess, will
apply to any claims made under
Benefits 1.2 Overseas Medical
& Hospital Expenses
or
2.1
Cancellation
which arise from,
or are in any way connected
with you participating in any
of the
Adventure Pack
listed
activities. You cannot pay to
remove this excess.
22
Optional Covers
You may also be able to add one or more of our optional covers to your
policy. Please read about the available options on pages 21 to 27 for
information on how to:
• include cover for additional activities by purchasing an optional pack.
• increase the standard item limits which apply to your luggage,
personal effects and valuables.
• vary the base excess amount which applies to your policy.
Any optional covers you purchase will be shown on your Certificate
of Insurance.
Please ensure you read this section in full, as well as all the other
sections of the PDS, so that you are aware of the limitations and extent
of the cover this product provides. In particular, please consider the
General Exclusions
on pages 58 to 62 as well as
Our Definitions
on
pages 72 to 77.
Cover for additional activities
If your travel plans include an activity not listed in the section
Activities included in this Product
on page 20, you may wish to
purchase one of our optional packs. Our Adventure Pack, Cruise Pack
and Snow Pack are detailed on pages 20 to 26, and are available for
purchase with a Comprehensive, Multi-Trip or Domestic Plan.
Age and cover restrictions, as well as an additional $500
excess, apply to our
Adventure Pack
and
Snow Pack
.
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Cruise Pack
Our
Cruise Pack
provides cover for you to
participate in sea and ocean cruising while
you are overseas and in Australian waters.
Please refer to the definition of ‘
Cruise or
cruising
’ in
Our Definitions
on page 72.
The
Table of Benefits
below sets out the
benefits that apply to the optional
Cruise
Pack
and the maximum amount we will pay
for all claims combined under each benefit.
For full details of the cover provided, see
the
Optional Covers - Cruise Pack and
Snow Pack Policy Benefits 7.1 – 7.7
.
You cannot purchase any benefits of the
Cruise Pack
individually.
If you purchase the
Cruise Pack
, it will be
shown on your Certificate of Insurance.
The Table of Benefits below is a
summary only. Please carefully read the
PDS in full to ensure you understand the
extent of cover provided and limitations
(including any sub-limits) that apply.
You will
not
need to purchase a
Cruise
Pack
if:
• you will only be participating
in river cruising - this activity is
automatically covered in the
section
Activities included in this
Product
on page 20; or
• you are travelling in Australian
waters as a passenger on a vessel
which does not have on-board
accommodation and trained
medical staff.
For example:
a 1/2 day catamaran
cruise around the Whitsunday Islands.
Cruise Pack - Table of Benefits
Benefits
Benefit limit [per person]
Comprehensive Plan/Multi-Trip Plan/
Domestic Plan
7.1 Medical Cover while Cruising
#
$20 million
7.2 Evacuation Cover - Ship to Shore
#
$20 million
*
7.3 Cabin Confinement
#
$500
*
7.4 Pre-paid Shore Excursion Cancellation
#
$1,000
7.5 Formal Wear - Cruise
#
$1,000
7.6 Formal Wear Delay Expenses
#
$250
7.7 Marine Rescue Diversion
#
$500
*
*
sub-limits apply - refer to the
Optional Covers - Cruise Pack and Snow Pack Policy Benefits
section of the PDS for details.
#
you only have cover for these benefits if the relevant pack has been purchased.
Covered adventure activities
• abseiling;
• animal conservation and handling
(under appropriate supervision);
• battle re-enactment (but not with
firearms);
• cave/river tubing;
• caving/potholing;
• contact sports (including any form of
rugby, Australian Rules football or
American football);
• deep sea fishing;
• diving underwater using an artificial
breathing apparatus at a depth no
greater than 30 metres (in order to
be covered for this activity, you must
hold an open water diving licence
recognised in Australia or dive with an
instructor licensed for these activities
and note that restrictions apply - refer
to General Exclusions
‘Activities’
and
‘Diving alone’
);
• expeditions to or on the Kokoda Track/
Trail;
• flying fox/zip lining;
• hiking, trekking or tramping, peaking
at altitudes from 3,000 metres up to
6,000 metres, where specialist climbing
equipment is not required;
• martial arts;
• motorcycles, mopeds or motorised
scooters – including as the driver or as a
pillion passenger (see below);
• outdoor rock climbing (with ropes and
appropriate safety gear);
• quad bike riding (but only single rider);
• sailing from 11 to 15 nautical miles from
land;
• shooting (moving target - eg. clay
pigeon), but not hunting;
• surface water activities in rivers or
rapids graded IV or V under the
International Scale of River Difficulty
(see
www.waterwaysguide.org.au/
GradingSystem);
• tandem parachuting, tandem sky
diving, tandem hang gliding, tandem
gliding and tandem paragliding (but
you must be in tandem with a licensed
instructor for these activities).
Even if you purchase the Adventure
Pack, you will only be covered while
riding on a motorcycle, moped,
motorised scooter or quad bike if:
• you hold the appropriate class of
licence (excluding learners licences)
in Australia for the vehicle you are
driving, or a licence valid for the
country you are riding in, if your
Australian licence is not recognised in
that country;
• when you are riding as a pillion
passenger on a motorcycle, moped
or motorised scooter, the driver holds
a licence valid for that vehicle and
for the country it is being ridden in.
However, this restriction will not
apply if it is reasonable that you did
not know that the driver was not
licensed and no exclusion applies to
the circumstances of your claim;
• you are the driver of a quad bike
and you are not carrying a pillion
passenger – there is also no cover if
you ride as a pillion passenger on a
quad bike;
• you wear an appropriate safety
helmet at all times; and
• you are not participating in any
race or riding a motorcycle, moped,
motorised scooter or quad bike in a
professional capacity.
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Snow Pack - Table of Benefits
Benefits
Benefit limit [per person]
Comprehensive Plan/Multi-Trip Plan
7.8 Overseas Emergency Snow Sport
Assistance
#^
(
no cover available under
Domestic Plan
)
$100,000
*
Comprehensive Plan/Multi-Trip Plan/
Domestic Plan
7.9 Own Snow Sport Equipment
#
$2,000
*
7.10 Snow Sport Equipment Hire
#
$2,000
7.11 Snow Sport Pack
#
$1,000
7.12 Piste Closure
#
$1,000
*
7.13 Bad Weather & Avalanches
#
$1,000
*
sub-limits apply - refer to the
Optional Covers - Cruise Pack and Snow Pack Policy Benefits
section of the PDS for details.
#
you only have cover for these benefits if the relevant pack has been purchased.
^
you do not have cover under this benefit while travelling in Australia.
26
Snow Pack
You must be aged under 75 years at the
time of issue of your Certificate of Insurance
in order to purchase this optional pack.
Our
Snow Pack
provides cover for you
to participate in snow sport activities.
Please refer to the definition of ‘
Snow sport
activities
’ in
Our Definitions
on page 72.
The
Table of Benefits
on the following
page sets out the benefits that apply to the
optional
Snow Pack
and the maximum
amount we will pay for all claims combined
under each benefit. For full details of the
cover provided, see the
Optional Covers
- Cruise Pack and Snow Pack Policy
Benefits 7.8 – 7.13
.
You cannot purchase any benefits of the
Snow Pack
individually. If you purchase
the
Snow Pack
, it will be shown on your
Certificate of Insurance.
The Table of
Benefits on the next page is a summary
only. Please carefully read the PDS
in full to ensure you understand the
extent of cover provided and limitations
(including sub-limits) that apply.
• No cover will apply:
– for any form of racing,
acrobatics, jumping, stunting,
aerial or freestyle activities, or
competing in a professional
capacity;
– if you participate in snow sport
activities which involve you
going off-piste or back-country;
or
– under
Benefits 1.5 Permanent
Disability
or
6.1 Personal
Liability
for any claims arising
from, or in any way connected
with you participating in snow
sport activities.
• An excess of $500, which is in
addition to any base excess, will
apply to any claims made under
Benefits 1.2 Overseas Medical
& Hospital Expenses
or
2.1
Cancellation
which arise from,
or are in any way connected with
you participating in snow sport
activities. You cannot pay to
remove this excess.
• There is no cover under
Benefit
7.8 Overseas Emergency Snow
Sport Assistance
while travelling
in Australia.
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Policy Benets
The maximum amount we will pay for all claims combined under each
benefit is shown in the
Table of Benefits
under the plan you have
selected. Sub-limits (where applicable) are also shown in the Benefit
sections that follow.
Please ensure you also read all the other sections of the PDS so that
you are aware of the limitations and extent of the cover the policy
provides. In particular, please consider the
General Exclusions
on
pages 58 to 62 and
Our Definitions
on pages 72 to 77.
In order to be sure that you are covered under this policy you should
always contact Allianz Global Assistance for approval before you incur
expenses you wish to claim. If you do not, we will pay for expenses
incurred up to the amount we would have authorised had you asked
us first.
Increased Item Limits
Cover
This product provides cover for your
luggage and personal effects and
valuables under
Benefit 4.1 Luggage,
Personal Effects & Valuables
. The
standard item limits which apply in the
event of a claim are as follows (please refer
to sub-section
4.1.1a]
on pages 39 and 40
for further details):
• $3,000 for personal computers, tablets,
cameras or video cameras;
• $1,000 for mobile phones (including
any items with phone capabilities); or
• $750 for all other items (including
jewellery and watches).
You can increase the standard item limits
that apply under
Benefit 4.1 Luggage,
Personal Effects & Valuables
for a
variety of items by purchasing
Increased
Item Limits Cover
with a Comprehensive,
Multi-Trip, Domestic or Non-Medical Plan
and selecting the item type(s) and new
item limits you require from the choices
available.
The total limit which can be selected for all
item types combined is $7,000 per person
(except under
Single
or
Family
cover types
where an aggregate limit applies) up to a
maximum total limit of $14,000.
The details of the option you have
purchased will be shown on your Certificate
of Insurance.
You cannot purchase this optional cover
with an Essentials Plan.
Please note in the event of a claim:
• depreciation and the item limits set out
in sub-section
4.1.1 a]
will not apply
to the item types for which you have
purchased
Increased Item Limits
Cover
, as shown on your Certificate of
Insurance.
• no cover will apply for any valuables
left in a vehicle at any time, or which
have been checked in to be transported
in the cargo hold of any aircraft, ship,
train, tram or bus.
• the most we will pay for luggage and
personal effects left in a concealed
storage compartment of a locked
vehicle during daylight hours is $200
per item, up to a total amount of
$2,000.
• the maximum we will pay for all claims
combined under
Benefit 4.1 Luggage,
Personal Effects & Valuables
is the
benefit limit shown in the
Table of
Benefits
for the plan you have selected,
even if you have purchased
Increased
Item Limits Cover
.
• you will need to provide proof of your
ownership of, and the value of, any
item for which you make a claim.
Examples of proof include receipts and/
or valuations.
Varying the Base Excess
You may vary the base excess on any of
our plans by choosing to:
• pay an additional premium to decrease
the base excess; or
• reduce the premium you pay for your
policy by increasing the base excess,
at the time you purchase your policy.
The base excess you have selected will be
shown on your Certificate of Insurance.
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Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
1.1 Overseas Emergency
Assistance
Allianz Global Assistance will help you with
any overseas medical emergency.
You can contact Allianz Global Assistance
at any time 7 days a week.
1.1.1 Emergency arrangements
Allianz Global Assistance will arrange and
pay the cost of the following assistance
services overseas if, during the period of
cover for your journey, you injure yourself,
or become sick, (including if you are
positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19)
or require treatment for
a pre-existing medical condition we have
agreed in writing to cover, provided the
relevant injury, or sickness, or pre-existing
medical condition is covered by your policy:
a]
access to a medical adviser for
emergency medical treatment while
overseas;
b]
any messages which need to be
passed on to your family or employer
in the case of an emergency, as well
as contacting relevant embassies and
consulates if required;
c]
provision of any written guarantees
for payment under Section
1.2
of
reasonable expenses for emergency
hospital treatment while overseas;
d]
your medical transfer or evacuation if
you must be transported to the nearest
overseas hospital for emergency
medical treatment or be brought back
to Australia with appropriate medical
supervision; and
e]
the return to Australia of your
dependants if they are left without
supervision following your admission to
hospital or your evacuation.
1.1.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any expenses for medical evacuation
unless it has been approved by Allianz
Global Assistance, such approval shall
not be unreasonably withheld or denied.
Please contact Allianz Global Assistance
to confirm approval for these costs;
b]
for costs and expenses that you would
not have incurred had you followed
reasonable medical advice. This
includes any subsequent medical,
hospital or evacuation expenses
incurred when you did not follow the
reasonable medical advice;
c]
any claims under this benefit arising
from your participation in snow sport
activities. However, you may have cover
under
Benefit 7.8 Overseas Emergency
Snow Sport Assistance
if you have
purchased the optional
Snow Pack
;
d]
any claims under this benefit arising
while you are on a cruise. However,
you may have cover under
Benefit 7.2
Evacuation Cover - Ship to Shore
if you have purchased the optional
Cruise Pack
.
advise you to return to Australia; plus
• the reasonable amount it would cost to
return you to Australia; plus
• the non-refundable portion of
unused travel and accommodation
arrangements you would have lost
had you followed the advice of Allianz
Global Assistance.
You will then be responsible for any ongoing
or additional costs relating to or arising out
of the event you have claimed for.
Overseas Dental Treatment
Subject to the conditions above, we will
cover dental expenses that are:
Due to an injury:
due to an injury if you
are involved in an accident while you are
overseas and require treatment as provided
under sub-section
1.2.1
. We will also pay the
necessary costs you incur overseas to repair
damage to your teeth caused by injuries you
sustained in the accident.
Due to sudden onset of pain:
due to
sudden onset of dental pain that requires
urgent treatment while you are overseas.
For cover to apply:
• the tooth or teeth being treated must
be healthy natural teeth (including
teeth restored with fillings) with no
impairment, periodontal or other
conditions; and
• the treatment is prescribed by the
treating dentist solely for the immediate
relief of sudden and acute onset of pain
due to either an infection or you biting
on something which caused the tooth to
chip or break.
1.2 Overseas Medical &
Hospital Expenses
1.2.1 What we cover
a]
If during the period of cover you
injure yourself or become sick while
overseas (including if you are positively
diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19), we will reimburse
the reasonable medical or hospital
expenses you incur until you return to
Australia provided the relevant injury or
sickness is covered by your policy. The
medical or hospital expenses must have
been incurred for treatment given or
prescribed by a medical adviser.
b]
If while overseas during the period of
cover, you require treatment for a pre-
existing medical condition which we
have agreed in writing to provide cover
for, we will reimburse the reasonable
medical or hospital expenses you
incur until you return to Australia. The
medical or hospital expenses must
have been incurred for treatment given
or prescribed by a medical adviser;
however we will not pay for the cost of
medication you were on, or the cost of a
course of treatment you were receiving
at the time your journey began.
We will pay for treatment received
and/or
hospital accommodation you require up to
a maximum period of 12 months after the
sickness first presented itself or the injury
occurred.
If, after assessment of your claim, the
reasonable medical advice is that you
should return to Australia for treatment and
you do not agree to do so, we will pay you a
reasonable amount up to the limit shown in
the
Table of Benefits
, equivalent to:
• your medical expenses and/or related
costs incurred overseas to the date we
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1.4 Accidental Death
1.4.1 What we cover
If, during the period of cover for your journey:
a]
you are injured and due to that injury you
die within 12 months of it occurring; or
b]
something you are travelling on or in
disappears, sinks or crashes and your
body is not found within 12 months and
you are presumed dead,
we will pay the benefit limit payable under
this benefit to your estate.
The amount we will pay under this benefit is
the benefit limit for the plan selected.
1.5 Permanent Disability
1.5.1 What we cover
If you are injured during the period of cover
for your journey; and
a]
due to that injury, you suffer permanent
disability (permanent loss of all the
sight in one or both eyes, or the use of a
hand at or above the wrist or a foot at
or above the ankle), within 12 months
of the injury occurring; and
b]
your permanent disability continues for
at least 12 consecutive months and at
the expiry of that period, in the opinion
of an appropriate medical specialist, is
beyond hope of improvement,
we will pay the benefit limit payable under
this benefit to you.
The amount we will pay under this benefit
is the benefit limit for the plan selected.
1.5.2 What we do not cover
To the extent permitted by law we will
not pay if your permanent disability arises
from, is related to or associated with your
participation in snow sport activities or
activities listed under
Adventure Pack
in
the
Optional Covers
section. This exclusion
applies even if you have purchased a
Snow
Pack
or an
Adventure Pack
.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
1.2.2 What we do not cover
To the extent permitted by law, we will not
pay for costs or expenses:
a]
when you have not notified Allianz
Global Assistance as soon as reasonably
practicable of your admission to
hospital;
b]
that relate to treatment exceeding
more than 2 weeks by a dentist unless
approved by Allianz Global Assistance
,
such approval shall not be unreasonably
withheld or denied. Please contact
Allianz Global Assistance to obtain
approval for these costs;
c]
that you would not have incurred had
you followed the reasonable
advice of
Allianz Global Assistance unless you
can show the expense was necessarily
incurred in circumstances beyond your
control;
d]
if you have received medical care under
a Reciprocal Health Care Agreement;
e]
for damage to dentures, dental
prostheses, bridges or crowns;
f]
relating to dental treatment involving
the use of precious metals or for cosmetic
dentistry;
g]
for dental treatment caused by or related
to the deterioration and/or decay of
teeth; or
h]
for routine or preventative dental
treatment.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
1.3 Funeral Expenses
1.3.1 What we cover
If you die overseas as a result of an
injury, or a sickness (including if you are
positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19), or pre-existing medical
condition we have agreed in writing to
cover, during the period of cover for your
journey, we will pay for your reasonable
funeral expenses incurred overseas or the
cost of bringing your remains back to your
home. The maximum amount we will pay
under this benefit is the benefit limit for the
plan selected.
Please note that we will not pay for any
costs incurred in Australia except the
reasonable cost of transporting your
remains from the inbound port or airport to
your home or nominated funeral service.
1.3.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any expenses for funeral expenses
incurred overseas or bringing your
remains back to your home unless
it has been approved by Allianz
Global Assistance, such approval
shall not be unreasonably withheld or
denied. Please contact Allianz Global
Assistance to confirm approval for
these costs.
b]
any claims under this benefit arising
from your participation in snow sport
activities. However, you may have
cover under
Benefit 7.8 Overseas
Emergency Snow Sport Assistance
if
you have purchased the optional Snow
Pack;
c]
any claims under this benefit arising
while you are on a cruise. However,
you may have cover under
Benefit 7.2
Evacuation Cover - Ship to Shore
if
you have purchased the optional Cruise
Pack.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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services paid for or obtained with those
points, air miles, vouchers or schemes,
but only if you cannot recover your loss
in any other way.
We calculate the amount we pay you
as follows:
i) for frequent flyer points, air miles or
loyalty card points:
• the cost of an equivalent booking
based on the same advance
booking period as your original
booking less any payment you
made toward the booking,
multiplied by
• the total number of points or air
miles lost,
divided by the total number of points
or air miles used to make the booking.
ii) for vouchers, the face value of the
voucher. If there is no face value on
the voucher we pay the market value.
c]
your reasonable costs of rescheduling
your journey. The most we will pay
for rescheduling your journey is the
unrecoverable amount that would
have been payable under sub-sections
2.1.1 a]
and
b]
had your journey been
cancelled. We will not pay a claim
under sub-section
2.1.1 c]
in addition to
a claim under sub-sections
2.1.1 a]
and
b]
for the same arrangements.
If during the period of cover for your
journey a relative of yours who resides in
Australia or New Zealand:
• dies or is admitted to hospital in
Australia or New Zealand as a
result of a pre-existing medical
condition, and
• at the time of death or hospital
admission was aged under 85 years;
and
• at the time of policy issue you were,
or a reasonable person in your
circumstances would have been,
unaware of the likelihood of their
dying or being admitted to hospital,
then, the most we will pay for all claims
under sub-sections
2.1.1 a]
and
b]
or
sub-section
2.1.1 c]
is $2,000 per person
(except under
Single
or
Family
cover
types where an aggregate limit applies)
up to a maximum total limit of $4,000.
2.1.2 What we do not cover
To the extent permitted by law we will not
pay your claim if:
a]
you were aware, or a reasonable
person in your circumstances would
have been aware before your policy
was issued, of any reason that may
cause your journey to be cancelled,
rescheduled or shortened;
b]
caused by the death, injury or illness
of any person, including a relative of
yours or of your travel companion,
who resides outside of Australia or
New Zealand or who is aged 85 years
or over, unless they are listed as an
insured person on your Certificate of
Insurance;
c]
caused by the death, injury or illness of
your relative arising from a pre-existing
medical condition except as specified
under sub-section
2.1.1 c]
;
d]
caused by you or your travel companion
changing plans;
e]
caused by the breakdown or dissolution
of any personal relationship;
f]
caused by any business, financial or
contractual obligations which prevent
you or your travel companion from
travelling. This exclusion does not apply
to claims where you or your travel
companion are made redundant in
Australia except where a reasonable
person in a similar situation would
have been aware before the policy was
purchased that the redundancy was
likely to occur;
2.1 Cancellation
A default limit for Benefit 2.1
Cancellation is automatically included
in your cover unless you make a
selection. However, you are able to
choose different levels of cover from
the amounts available to you when you
purchase your policy. Any benefit limit
selected by you will be shown on your
Certificate of Insurance. The benefit limit
shown will be the most we will pay for
all claims under Benefit 2.1 Cancellation.
If you think that you may have to cancel
or shorten your journey, you must tell us as
soon as possible.
Call us using the contact number shown on
the back cover of this PDS, or the 24 hour
emergency assistance number if you are
still overseas.
2.1.1 What we cover
If during the period of cover, your journey
is cancelled, rescheduled or shortened
because of circumstances that were not
expected or intended by you and are
outside your control (including if you or
your travelling companion are positively
diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19)
we will reimburse you:
a]
the non-refundable portion of
unused travel and accommodation
arrangements scheduled to be used
by you during your journey, that you
have paid in advance of cancellation
and cannot recover in any other way,
inclusive of:
– your travel agent’s cancellation fees
and any commission or service fees
retained by your travel agent up to
the amount of commission or service
fees that your travel agent would
have earned had your journey not
been cancelled, limited to $1,500
per person (except under
Single
or
Family
cover types where an
aggregate limit applies) up to a
maximum total limit of $3,000.
b]
for the value of frequent flyer points, air
miles, loyalty card points, redeemable
vouchers or other similar schemes lost
by you as a result of cancelling the
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such as COVID-19)
(but not a pre-
existing medical condition) that needs
immediate and continued treatment
from a medical adviser and would be
covered by this policy, we will reimburse
your reasonable additional travel and
accommodation expenses for you to
remain with your travel companion. To
provide proof of your travel companion’s
incapacity and inability to travel
,
where
reasonably practicable, they should
obtain written confirmation from their
treating medical adviser. Please call
Allianz Global Assistance to confirm
approval for these expenses. Otherwise,
we may reduce the amount payable
for your claim to the extent we are
prejudiced. Such approval will not be
unreasonably withheld or delayed.
c] Emergency travel & accommodation
expenses for a necessary companion
If during the period of cover available
for your journey, you are admitted to
hospital with a life threatening or other
serious medical condition covered
by your policy, or are evacuated for
medical reasons covered by your policy,
we will reimburse the reasonable travel
and accommodation expenses for a
relative or friend to travel to you, stay
near you, or escort you. The relative or
friend must travel to you, stay near you,
or escort you on the recommendation of
your treating medical adviser and with
the prior agreement of Allianz Global
Assistance for which approval will not
be unreasonably withheld or delayed.
Please call Allianz Global Assistance
for approval before any expenses are
incurred. Otherwise, we may reduce the
amount payable for your claim to the
extent we are prejudiced.
d] Return home on medical advice
If you shorten your journey and return
to Australia on the advice of your
treating medical adviser and with the
approval of Allianz Global Assistance,
such approval will not be unreasonably
withheld or delayed, we will
reimburse your reasonable additional
accommodation and travel expenses.
We will only pay the cost of the fare
class that you had originally planned
to return home on and you must take
advantage of any pre-arranged return
travel to Australia. Please call Allianz
Global Assistance to confirm approval
for these expenses.
e] Return home due to relative’s death
or hospital admission
If you need to return to Australia earlier
than planned because, during the
period of cover for your journey:
• your travel companion dies
unexpectedly or is admitted to
hospital as a result of a serious
injury or illness; or
• a relative of yours or of your travel
companion, who resides in Australia
or New Zealand:
– dies unexpectedly or is admitted
to hospital in Australia or New
Zealand as a result of a serious
injury or illness; and
– at the time of death or hospital
admission was aged under 85
years,
we will reimburse your reasonable
additional travel and accommodation
expenses up to the limit shown in the
Table of Benefits
for the Plan you have
selected, except if the death, injury
or illness arises from a pre-existing
medical condition.
g]
it arises as a result of a tour operator or
wholesaler being unable to complete
arrangements for any tour because
there were not enough people to go on
the tour. This exclusion does not apply
to prepaid travel arrangements bought
separately to reach the departure
point for the tour or for other travel
arrangements which do not form part
of the tour;
h]
caused by delays or rescheduling by
a bus line, airline, shipping line or rail
authority;
i]
caused by any service provider
misappropriating your funds or failing
to arrange or provide services for which
you have paid;
j]
caused by the financial collapse or
insolvency of any service provider;
k]
caused by the mechanical breakdown
of any means of transport;
l]
caused by an act of terrorism; or
m]
you are a full-time permanent
employee and your pre-arranged leave
is cancelled by your employer unless
you are a full-time member of the
Australian Defence Force or of federal,
state or territory emergency services.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
3.1 Additional Expenses
We will reimburse reasonable additional
accommodation and travel expenses if you
or your travel companion cannot continue
your journey, need to return to Australia,
or your journey is otherwise disrupted due
to any of the events described under sub-
sections
3.1.1 a]
to
f]
.
3.1.1 What we cover
a] Additional travel & accommodation
expenses due to your incapacity
If you cannot continue your journey
because of an injury, sickness (including
if you are positively diagnosed as
suffering a sickness recognised as
an epidemic or pandemic such as
COVID-19)
or pre-existing medical
condition (that we have approved cover
for in writing) that needs immediate
and continued treatment from a medical
adviser and is covered by your policy,
we will reimburse your reasonable
additional travel and accommodation
expenses. To provide proof of incapacity
and inability to travel
,
where reasonably
practicable, you should obtain written
confirmation from the treating medical
adviser. Please call Allianz Global
Assistance to confirm approval for these
expenses. Otherwise, we may reduce the
amount payable for your claim to the
extent we are prejudiced. Such approval
will not be unreasonably withheld or
delayed.
b] Additional travel & accommodation
expenses due to your travel
companion’s incapacity
If your travel companion cannot
continue their journey because of an
injury or sickness (including if your
travelling companion is positively
diagnosed as suffering a sickness
recognised as an epidemic or pandemic
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must take advantage of any pre-
arranged return travel to Australia.
Please call Allianz Global Assistance to
confirm approval for these expenses.
If we pay your claim and you do not have
a return ticket booked to Australia before
the event causing your claim occurred, we
will reduce the amount of your claim by the
price of the fare to Australia from the place
you planned to return to Australia from.
The fare will be at the same fare class as
the one you left Australia on.
Whenever claims are made by you under
Benefits 3.1 Additional Expenses
and
2.1 Cancellation
for cancelled services/
facilities or alternative arrangements for
the same or similar services/facilities, we
will pay for the higher of the two amounts,
not both.
3.1.2 What we do not cover
To the extent permitted by law, we will not
pay your claim if:
a]
you were aware, or a reasonable
person in your circumstances would
have been aware, of any reason, before
your period of cover commenced, that
may cause your journey to be cancelled,
disrupted or delayed;
b]
caused by the death, injury or illness of
your relative arising from a pre-existing
medical condition, except as specified
under sub-section
3.1.1 e]
;
c]
you can recover your additional travel
and accommodation expenses from
anyone else. If you are not paid the full
amount of your claim, we will make up
the difference, up to the amount this
policy covers your for.
d]
your claim relates to the financial
collapse or insolvency of any service
provider;
If the death, injury or illness arises from a
pre-existing medical condition, the most
we will pay for all claims under sub-
section
3.1.1. e]
will be $2,000 per person
(except under
Single
or
Family
cover
types where an aggregate limit applies)
up to a maximum total limit of $4,000,
but only if at the time of policy issue you
were, or a reasonable person in your
circumstances would have been, unaware
of the likelihood of their dying or being
admitted to hospital. No benefit is payable
for additional travel and accommodation
expenses arising from the pre-existing
medical condition of a relative if you
purchased an Essentials Plan.
Please call Allianz Global Assistance to
confirm approval for these expenses.
f] Return home due to specified events
If a disruption to your journey arises
from any of the following reasons
during the period of cover:
• your scheduled or connecting
transport is cancelled, delayed,
rescheduled or diverted because
of a strike, riot, hijack, civil protest,
weather, natural disaster or accident
affecting your mode of transport;
• you unknowingly break any
quarantine rule;
• you lose your passport, travel
documents or transaction cards or
they are stolen; or
• you need to return to Australia early
because your home is rendered
uninhabitable by fire, explosion,
earthquake or flood,
we will reimburse your reasonable
travel and accommodation expenses to
return to your home. We will only pay
the fare class that you had originally
planned to return home on and you
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
38
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
e]
caused by any service provider
misappropriating your funds or failing
to arrange or provide services for which
you have paid;
f]
for cancellations, delays, rescheduling
or diversions to your scheduled or
connecting transport unless due to a
strike, riot, hijack, civil protest, weather,
natural disaster or accident affecting
your mode of transport; or
g]
your claim arises directly or indirectly
out of you operating a rental vehicle
in violation of the rental vehicle
agreement.
3.2 Travel Delay
Expenses
3.2.1 What we cover
If circumstances outside your control result
in an unexpected delay to your journey of at
least 6 consecutive hours during the period
of cover, we will reimburse your reasonable
additional meals and accommodation
expenses. We will pay up to $250 per person
(except under
Single
or
Family
cover types
where an aggregate limit applies) up to a
maximum total limit of $500 after the initial
6 consecutive hour delay, as well as for each
subsequent consecutive 24 hours that the
delay continues.
No cover is provided under a
Non-Medical
Plan
if the claim arises from, is related to
or associated with any injury or sickness
suffered by you.
3.2.2 What we do not cover
To the extent permitted by law we will not
pay if a delay to your journey:
a]
arises from an act of terrorism; or
b]
is caused by the financial collapse or
insolvency of any service provider.
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3.3 Alternative Transport
Expenses
3.3.1 What we cover
If your scheduled transport is cancelled,
delayed, shortened or diverted during the
period of cover and that means you would
not arrive on time to a wedding, funeral, pre-
paid airline/rail travel, pre-paid tour/cruise,
pre-paid conference, pre-paid sporting
event, pre-paid concert/cultural event or
pre-paid accommodation which, before you
left Australia, you had planned to attend or
utilise while you are overseas, we will pay
your reasonable additional travel expenses
to enable you to arrive on time.
3.3.2 What we do not cover
To the extent permitted by law we will not
pay if the cancellation, delay, shortening or
diversion:
a]
arises from an act of terrorism; or
b]
is caused by the financial collapse or
insolvency of any service provider.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
• the replacement cost; or
• the repair cost,
limited to a maximum amount for any
one item of:
• $3,000 for personal computers,
tablets, cameras or video cameras;
• $1,000 for mobile phones (including
smart phones and any items with
phone capabilities); or
• $750 for all other items (including
jewellery and watches),
up to the benefit limit shown in the
Table of Benefits
for the Plan you have
selected.
We will not apply depreciation to any
item we pay for where less than 12
consecutive months have elapsed since
the item was purchased new.
A pair or related set of items are
considered to be only one item for
the purpose of this insurance and the
relevant single item limit will be applied.
The maximum amount we will pay
for any one item (including a pair or
related set of items as shown in the
example in sub-section
4.1.1 a]
) is up to
the increased item limit shown on your
Certificate of Insurance.
The maximum we will pay for all claims
combined under
Benefit 4.1 Luggage,
Personal Effects & Valuables
is the
benefit limit shown in the
Table of
Benefits
for the plan you have selected,
even if you have purchased
Increased
Item Limits Cover
.
c]
Any luggage and personal effects left
in a vehicle will only be covered during
daylight hours and only if the items
were placed in a concealed storage
compartment of a locked vehicle. In the
event of theft, forced entry must have
been made to the vehicle.
The most we will pay in the event of a
payable claim under
4.1.1c]
is $200 for
each item, and $2,000 in total for all
stolen items, even if you have purchased
the optional
Increased Item Limits
Cover
. No cover is available for valuables
left in a vehicle at any time.
The maximum amount we will pay for all
claims combined under this benefit is the
benefit limit shown in the
Table of Benefits
for the plan you have selected, even if you
have purchased the optional
Increased Item
Limits Cover
.
We expect you to report any loss or theft to
the police or an office of the bus line, airline,
shipping line or rail authority you were
travelling on when the loss or theft occurred.
You should make reasonable efforts to
obtain confirmation from whoever you
made the report to. This may be the easiest
way to provide evidence of the loss or theft.
We may be entitled to reduce your claim if
you unreasonably delay or fail to make a
report. A reduction in your claim may occur
to the extent of the amount of prejudice we
have suffered caused by your delay.
• at such a distance from you that you
are unable to prevent them being
taken; or
• with a person who is not named on your
Certificate of Insurance, or who is not a
travelling companion or a relative (or if
these persons fail to take all reasonable
precautions to safeguard your luggage
and personal effects or valuables).
This includes forgetting or misplacing any
items, leaving them behind or walking
away from them.
4.1.1 What we cover
a]
Cover is provided for your luggage and
personal effects or valuables if, during
the period of cover for your journey, they
are stolen, accidentally damaged or are
permanently lost,
unless
they are:
• left in any vehicle (other than as
stated in sub-section
4.1.1 c]
); or
• sporting equipment while it is in use;
or
• valuables which have been:
– left in a vehicle at any time
(even if they were in a concealed
storage compartment), or
– checked in to be transported
in the cargo hold of any
aircraft, ship, train, tram or bus,
including any loss or damage
which occurs during the time
after check-in but prior to you
collecting your items from the
designated collection area,
in which case no cover will be
provided under this benefit.
The amount we will pay will be the
lesser of:
• the depreciated value after
allowing for age, wear and tear (see
the
Depreciation
section on page
69 for more detail);
• the original purchase price;
For example:
a pair or related set of
items could include, but not be limited
to, the following:
• a camera, lenses (attached or not),
tripod and accessories;
• a matched or unmatched set of
golf clubs, golf bag and buggy; or
• a pair of earrings.
4.1 Luggage, Personal
Effects & Valuables
You must take all reasonable precautions
to safeguard your luggage and personal
effects and your valuables. If you do not,
we will not pay your claim. For example,
you will not be taking reasonable
precautions if you leave your belongings in
a publicly accessible location:
b]
If you have purchased the optional
Increased Item Limits Cover
, the
item limits set out in sub-section
4.1.1
a]
will not apply to those item types
shown on your Certificate of Insurance.
Depreciation will also not be applied
to any item types for which you have
purchased
Increased Item Limits Cover
.
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4.1.2 What we do not cover
To the extent permitted by law, we will not
pay a claim in relation to your luggage and
personal effects or valuables if:
a]
the loss, theft or damage is to, or of,
items which have been left behind in any
aircraft, ship, train, tram, taxi, ride share
or bus, or in any hotel or motel room after
you have checked out;
b]
the luggage and personal effects
or valuables were being sent
unaccompanied by you or under a freight
contract;
c]
the loss or damage arises from any
process of cleaning, repair or alteration;
d]
the loss or damage arises from ordinary
wear and tear, inherent defect,
deterioration, atmospheric or weather
conditions, insects, rodents or vermin;
e]
you do not take all reasonable
precautions to
safeguard your luggage
and personal effects or valuables.
For example, you will not be taking
reasonable precautions if you leave
your belongings in a publicly accessible
location:
• at such a distance from you that you
are unable to prevent them being
taken; or
• with a person who is not named
on your Certificate of Insurance, or
who is not a travelling companion
or a relative (or if these persons fail
to take all reasonable precautions
to safeguard your luggage and
personal effects or valuables).
This includes forgetting or misplacing
any items, leaving them behind or
walking away from them;
f]
the luggage and personal effects
or valuables have an electrical or
mechanical breakdown;
g]
the damage relates to:
• items which are fragile or brittle;
• cracking or breakage of the screen
of mobile phones, smart watches,
laptops or tablets; or
• an electronic component which is
broken or scratched,
other than where:
• the item is the lens of spectacles,
binoculars or photographic or video
equipment; or
• the damage was caused by a crash
involving a vehicle or carrier in which
you are travelling; or
h]
you are entitled to be reimbursed by
the bus line, airline, shipping line or
rail authority you were travelling on
when the loss, theft, misplacement
or damage occurred. However, if you
are not reimbursed the full amount of
your claim, we will pay the difference
between the amount of your loss and
what you were reimbursed, up to
the limit of your cover (allowing for
depreciation due to age, wear and
tear if applicable under the plan you
have purchased. See the
Depreciation
section on page 69 for more details.).
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
misdirected or misplaced by the carrier for
more than 10 consecutive hours (except
on the leg of your journey to your home),
we will reimburse you for the reasonable
expenses you incur to purchase essential
items of clothing or other personal items.
You should make reasonable efforts to
obtain confirmation from the carrier who
was responsible for your luggage and
personal effects confirming that your items
were delayed, misdirected or misplaced.
This may be the easiest way to provide
evidence of the delay.
If your items are not returned to you and
are considered to be permanently lost,
we will deduct the amount we have paid
you under this benefit from any payable
claim you have made under Benefit 4.1
Luggage, Personal Effects & Valuables
for those items.
4.2.2 What we do not cover
To the extent permitted by law, we will not
pay if you are entitled to compensation from
the carrier you were travelling on for the
relevant amount claimed.
However, if you are not reimbursed the full
amount, we will pay the difference between
the amount of your expenses and what you
were reimbursed, up to the limit of your cover.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
4.3 Travel Documents,
Transaction Cards &
Travellers Cheques
4.3.1 What we cover
If during the period of cover for your
journey, you lose any essential travel
documents (including passports),
transaction cards or travellers cheques, or
they are stolen from you or destroyed, we
will reimburse you for:
• the issuer’s fees for any replacement
costs (including communication costs)
of the items which have been lost,
stolen or destroyed; and/or
• any loss resulting from fraudulent use
of your lost or stolen transaction cards
or travellers cheques other than those
amounts covered by any guarantee
given by the bank or issuing company
to you as the holder of the transaction
cards or travellers cheques.
Where reasonably practicable, we expect
you to report any loss or theft to the police
and, in the case of transaction cards or
travellers cheques, to the issuing bank or
company in accordance with the conditions
under which the transaction cards or
travellers cheques were issued.
You should make reasonable efforts to
obtain confirmation from whoever you
made the report to. This may be the easiest
way to provide evidence of the loss or theft.
We may be entitled to reduce your claim if
you unreasonably delay or fail to make a
report. A reduction in your claim may occur
to the extent of the amount of prejudice we
have suffered caused by your delay.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
4.2 Luggage & Personal
Effects Delay
Expenses
4.2.1 What we cover
If during the period of cover your luggage
and personal effects are delayed,
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43
5.1 Rental Vehicle Excess
This cover will apply if:
• you hire a rental vehicle from a rental
company or agency;
• you are a nominated driver on the
rental vehicle agreement; and
• the rental vehicle agreement offered by
the rental company or agency specifies
a maximum amount that you must pay if
the rental vehicle is damaged or stolen.
This Benefit only provides cover for the
amount specified in your rental vehicle
agreement that you are responsible to
pay if you are involved in an accident
or the rental vehicle is stolen. Please
carefully read the rental vehicle
agreement and the options available
to limit the amount you are responsible
for. The rental vehicle agreement may
also contain conditions or exclusions
that you need to be aware of.
This Benefit may not provide cover
for items, such as but not limited to,
tyres, rims, windscreens, glass, roof
and/or underbody if damage to these
items is in addition to the specific
amount shown in your rental vehicle
agreement that you are responsible to
pay for damage or theft.
4.4 Theft of Cash
4.4.1 What we cover
If cash, bank notes, currency notes, postal
orders or money orders are stolen from
your person during the period of cover for
your journey, we will reimburse you up to
the amount shown in the Table of Benefits
for the plan selected.
Where reasonably practicable, we expect
you to report the theft to the police or an
office of the bus line, airline, shipping line
or rail authority you were travelling on
when the theft occurred.
You should make reasonable efforts to
obtain confirmation from whoever you
made the report to. This may be the easiest
way to provide evidence of the theft.
We may be entitled to reduce your claim if
you unreasonably delay or fail to make a
report. A reduction in your claim may occur
to the extent of the amount of prejudice we
have suffered caused by your delay.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
5.1.1 What we cover
a] Rental vehicle accident/theft
If, during the period of cover for your
journey, the rental vehicle is:
• involved in a motor vehicle accident
while you are driving it; or
• damaged or stolen while in your
custody,
we will pay you the lesser of:
• the amount specified that you are
liable to pay under your rental
vehicle agreement; or
• the cost of
property damage for
which you are liable,
up to the limit shown in the
Table of
Benefits
for the plan you have selected.
To support your claim, you will need to
take reasonable steps to provide:
• your rental vehicle agreement;
• the incident report that was
completed; and
• written confirmation from the rental
company or agency of the amount
for which you are liable.
You may also need to provide:
• the repair account and invoice
from the motor vehicle repairer (if
available to you); and
• an itemised list of the value of the
damage.
b] Return of rental vehicle due to
incapacity
If you are incapacitated during the
period of cover for your journey by
an event covered by this policy, and a
treating medical adviser diagnoses you
as unfit to return the rental vehicle to
the nearest depot, we will pay up to the
amount shown in the
Table of Benefits
for your selected Plan, for the cost of
returning the rental vehicle.
5.1.2 What we do not cover
To the extent permitted by law, we will not
pay for a claim which arises from, or is for:
a]
any damage or theft caused by you
using the rental vehicle in breach of the
terms of the rental agreement;
b]
you using the rental vehicle without
a licence for the purpose you were
using it (such as carrying freight or
passengers for payment);
c]
any loss or damage involving an
unauthorised driver;
d]
costs other than those specified in sub-
section
5.1.1 a]
or
b]
; or
e]
diminishment of value, depreciation,
administration charges or other fees or
any loss of use penalties charged by the
rental company or agency.
6.1 Personal Liability
6.1.1 What we cover
If you become legally liable to pay
compensation for:
• death or bodily injury to someone else; or
• physical loss of, or damage to, someone
else’s property,
as a result of an accident, or a series of
accidents arising out of the one event, that
happens during your journey, then we will
cover you for:
• the compensation (including legal costs)
awarded against you; and
• any reasonable legal costs incurred by
you for settling or defending a claim
made against you, providing you have
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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f]
any fine or penalty, or aggravated,
punitive, exemplary or liquidated
damages;
g]
illness, sickness or disease that is
transmitted by you;
h]
any relief or recovery other than
monetary amounts;
i]
a contract that imposes on you a liability
which you would not otherwise have;
j]
assault and/or battery committed by you
or at your direction;
k]
any act intended to cause bodily injury,
property damage or liability done by
you or any person acting with your
knowledge, connivance or consent; or
l]
your participation in snow sport activities
or activities listed under the
Adventure
Pack
in the
Optional Covers
section.
This exclusion applies even if you
have purchased a
Snow Pack
or an
Adventure Pack
.
approval in writing from Allianz Global
Assistance before incurring these costs.
If you fail to do so, we will only pay for
costs incurred up to the amount we would
have authorised had you asked us first.
Please contact Allianz Global Assistance
to confirm approval for these costs.
Where reasonably practicable, we should
be told as soon as you or your personal
representatives are aware, or a reasonable
person in your circumstances would have
been aware, of a possible prosecution,
inquest, fatal injury, accident or incident
which might lead to a claim against you.
You should not pay or promise to pay,
settle with, admit or deny liability to
anyone who makes a claim against you
without our written consent. If you do, we
may reduce or refuse your claim to the
extent we are prejudiced.
6.1.2 What we do not cover
To the extent permitted by law, we will not
pay any amount you become legally liable to
pay if the liability arises directly or indirectly
from, or is in any way connected with, or is for:
a]
bodily injury to you, your travel
companion or to a relative or employee
of any of you;
b]
loss of or damage to property belonging
to, or in the care, custody or control of
you, your travel companion, a relative or
an employee of any of you;
c]
your ownership, custody, control or use
of any firearm or weapon, aerial device,
watercraft or motorised vehicle;
d]
your conduct of, or employment in any
business, profession, trade or occupation;
e]
any loss, damage or expenses which
are covered or should have been
covered under a statutory or compulsory
insurance, or compensation scheme or
fund, or under Workers Compensation
legislation, or an industrial award or
agreement;
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
Optional Covers -
Cruise Pack and Snow
Pack Policy Benets
The maximum amount we will pay for all claims combined under each
benefit is shown in the
Cruise Pack Table of Benefits
and the
Snow
Pack Table of Benefits
in the
Optional Covers
section under the plan
you have selected.
Your Certificate of Insurance will also show the
Optional Covers
you are
covered for.
Please ensure you also read the other sections of the PDS so that you are
aware of the limitations and extent of the cover the policy provides. In
particular, please consider the
General Exclusions
on pages 58 to 62 as
well as
Our Definitions
on pages 72 to 77.
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7.1 Medical Cover
While Cruising
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.1.1 What we cover
a]
If while on your cruise during the period
of cover, you injure yourself, or become
sick (including if you are positively
diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19), we will reimburse
the reasonable medical or hospital
expenses you incur until you return to
Australia provided the relevant injury or
sickness is covered by your policy. The
medical or hospital expenses must have
been incurred for treatment given or
prescribed by a medical adviser.
b]
If during the period of cover, you require
treatment while on a cruise, for a pre-
existing medical condition for which
we have agreed in writing to provide
cover, we will reimburse the reasonable
medical or hospital expenses you
incur until you return to Australia. The
medical or hospital expenses must
have been incurred for treatment given
or prescribed by a medical adviser;
however we will not pay for the cost of
medication you were on, or the cost of a
course of treatment you were receiving
at the time your journey began.
We will pay for treatment received
and/or
hospital accommodation you require until
either:
• you return to Australia;
• you disembark the vessel at the end of
your domestic cruise; or
• a maximum period of 12 consecutive
months after the sickness first
presented itself, or the injury occurred,
or the pre-existing medical condition
we agreed in writing to cover required
treatment, has been reached,
whichever happens first.
If after assessment of your claim, the
reasonable medical advice indicates that
you should return to Australia for treatment
and you do not agree to do so, we will pay
you a reasonable amount up to the limit
shown under the
Cruise Pack Table of
Benefits
, equivalent to:
• your medical expenses
and/or
related
costs incurred overseas, including those
incurred while on-board the cruise, until
the date we advise you to return to
Australia; plus
• the reasonable amount it would cost to
return you to Australia; plus
• the non-refundable portion of
unused travel and accommodation
arrangements you would have lost
had you followed the advice of Allianz
Global Assistance.
You will then be responsible for any ongoing
or additional costs relating to or arising out
of the event you have claimed for.
Dental Treatment while Cruising
Subject to the conditions above, we will
cover dental expenses that are:
Due to an injury:
due to an injury if you
are involved in an accident while you are
on your cruise and require treatment as
provided under sub-section
7.1.1
. We
will also pay the necessary costs incurred
on the cruise and/or overseas to repair
damage to your teeth caused by injuries
you sustained in the accident.
Due to sudden onset of pain:
due to sudden
onset of dental pain that requires urgent
treatment while you are on your cruise.
For cover to apply:
• the tooth or teeth being treated must be
healthy natural teeth (including teeth
restored with fillings) with no impairment,
periodontal or other conditions; and
• the treatment is prescribed by the
treating dentist solely for the immediate
relief of sudden and acute onset of pain
due to either an infection or you biting
on something which caused the tooth to
chip or break.
7.1.2 What we do not cover
To the extent permitted by law, we will not
pay for costs or expenses:
a]
when you have not notified Allianz Global
Assistance as soon as practicable of your
admittance to hospital;
b]
that relate to treatment exceeding
more than 2 weeks by a dentist unless
approved by Allianz Global Assistance,
such approval shall not be unreasonably
withheld or denied. Please contact Allianz
Global Assistance to obtain approval for
these costs;
c]
that you would not have incurred had you
followed the reasonable advice of Allianz
Global Assistance unless you can show
the expense was necessarily incurred in
circumstances beyond your control;
d]
for damage to dentures, dental
prostheses, bridges or crowns;
e]
relating to dental treatment involving
the use of precious metals or for
cosmetic dentistry;
f]
for dental treatment caused by or
related to the deterioration and/or
decay of teeth; or
g]
for preventative dental treatment.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.2 Evacuation Cover -
Ship to Shore
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.2.1 Emergency arrangements
Allianz Global Assistance will arrange and
pay the cost of the following assistance
services if, while onboard a cruise during
the period of cover you injure yourself,
or become sick (including if you are
positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19), or require treatment for
a pre-existing medical condition that we
have agreed in writing to cover, provided
the relevant injury, or sickness, or pre-
existing medical condition is covered by the
policy:
a]
access to a medical adviser for
emergency medical treatment;
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b]
any messages which need to be
passed on to your family or employer
in the case of an emergency, as well
as contacting relevant embassies and
consulates if required;
c]
provision of any written guarantees for
payment of reasonable expenses for
emergency hospital admission while on
a cruise or overseas;
d]
your medical transfer or evacuation if
you must be transported to the nearest
overseas hospital for emergency
medical treatment or be brought back
to Australia with appropriate medical
supervision; and
e]
the return to Australia of your
dependants if they are left without
supervision following your hospital
admission or evacuation.
In addition:
f]
if you die while on a cruise as a result of
an injury, or a sickness (including if you
are positively diagnosed as suffering
a sickness recognised as an epidemic
or pandemic such as COVID-19), or a
pre-existing medical condition that we
have agreed in writing to cover, during
the period of cover for your cruise, we
will pay for your reasonable funeral
expenses incurred overseas or the cost
of bringing your remains back to your
home. The maximum amount we will
pay per person is $60,000.
Please note
that we will not pay for
any costs incurred in Australia except
the reasonable cost of transporting
your remains from the inbound port
or airport to your home or nominated
funeral service.
7.2.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any expenses for medical
evacuation, funeral expenses incurred
overseas or bringing your remains
back to your home unless it has been
approved by Allianz Global Assistance
,
such approval will not be unreasonably
withheld or delayed. Please contact
Allianz Global Assistance to confirm
approval for these expenses;
b]
for costs and expenses that you would
not have incurred had you followed
reasonable medical advice. This
includes any subsequent medical,
hospital or evacuation expenses
incurred when you did not follow the
reasonable medical advice.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.3 Cabin Confinement
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.3.1 What we cover
If while onboard a cruise during the
period of cover, you are confined to your
cabin or in a medical facility for a period
of more than 48 consecutive hours due
to an injury, or sickness (including if you
are positively diagnosed as suffering a
sickness recognised as an epidemic or
pandemic such as COVID-19), or pre-
existing medical condition that we agreed
in writing to cover, that you suffer during
7.5 Formal Wear - Cruise
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.5.1 What we cover
Cover is provided for your formal wear if,
during the period of cover for your journey,
it is stolen, accidentally damaged or is
permanently lost.
The amount we will pay will be the lesser
of:
• the depreciated value after allowing
for age, wear and tear (see the
Depreciation
section on page 69 for
more detail);
• the original purchase price;
• the replacement cost; or
• the repair cost,
up to the limit shown in the
Table of
Benefits
for the Plan you have selected.
We expect you to report any loss or theft to
the police or an office of the bus line, airline,
shipping line or rail authority you were
travelling on when the loss or theft occurred.
You should make reasonable efforts to
obtain confirmation from whoever you
made the report to. This may be the easiest
way to provide evidence of the loss or theft.
We may be entitled to reduce your claim if
you unreasonably delay or fail to make a
report. A reduction in your claim may occur
to the extent of the amount of prejudice we
have suffered caused by your delay.
7.5.2 What we do not cover
To the extent permitted by law, we will not
pay a claim in relation to your formal wear if:
a]
the loss, theft or damage is to, or of,
formal wear left behind in any aircraft,
ship, train, tram, taxi or bus, or in any
hotel or motel room after you have
checked out, or in your cabin after you
have disembarked at the end of your
cruise;
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.4 Pre-paid Shore
Excursion
Cancellation
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.4.1 What we cover
If while onboard a cruise during the period
of cover, you are confined to your cabin or in
a medical facility as a result of circumstances
outside your control (including if you or
your travelling companion are positively
diagnosed as suffering a sickness recognised
as an epidemic or pandemic such as
COVID-19), and cannot participate in your
pre-paid shore excursion(s), we will reimburse
you the non-refundable portion of your
shore excursion costs which you had paid in
advance of cancellation.
the period of cover for your journey, we
will pay you $50 for each 24 consecutive
hours that you continue to be confined
beyond the initial 48 consecutive hours.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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b]
the formal wear was being sent
unaccompanied by you or under a
freight contract;
c]
the loss or damage arises from any
process of cleaning, repair or alteration;
d]
the loss or damage arises from
ordinary wear and tear, deterioration,
atmospheric or weather conditions,
insects, rodents or vermin;
e]
you did not take all reasonable
precautions to
safeguard the formal
wear. For example, you will not be
taking reasonable precautions if you
leave your belongings in a publicly
accessible location:
• at such a distance from you that you
are unable to prevent them being
taken; or
• with a person who is not named on
your Certificate of Insurance, or who
is not a travelling companion or a
relative (or if these persons fail to
safeguard your luggage).
This includes forgetting or misplacing
any items, leaving them behind or
walking away from them; or
f]
you are entitled to be reimbursed by
the bus line, airline, shipping line or rail
authority you were travelling on when
the loss, theft or damage occurred.
However, if you are not reimbursed the
full amount of your claim, we will pay
the difference between the amount of
your loss and what you were reimbursed,
up to the limit of your cover.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.8 Overseas Emergency
Snow Sport
Assistance
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.8.1 Emergency arrangements
Allianz Global Assistance will arrange and
pay the cost of the following assistance
services if while participating in snow sport
activities overseas during the period of
cover for your journey, you injure yourself,
or become sick (including if you are
positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic
such as COVID-19), or require treatment for
a pre-existing medical condition that we
have agreed in writing to cover, provided
the relevant injury, or sickness, or pre-
existing medical condition is covered by your
policy:
a]
access to a medical adviser for
emergency medical treatment while
overseas;
b]
any messages which need to be
passed on to your family or employer
in the case of an emergency, as well
as contacting relevant embassies and
consulates if required;
c]
provision of any written guarantees for
payment of reasonable expenses for
emergency hospital admission while
overseas;
d]
your medical transfer or evacuation if
you must be transported to the nearest
overseas hospital for emergency
medical treatment or be brought back
to Australia with appropriate medical
supervision; and
e]
the return to Australia of your
dependants if they are left without
supervision following your hospital
admission or evacuation.
7.6.2 What we do not cover
To the extent permitted by law, we will not
pay if you are entitled to compensation
from the carrier you were travelling on for
the relevant amount claimed. However, if
you are not reimbursed the full amount, we
will pay the difference between the amount
of your expenses and what you were
reimbursed, up to the limit of your cover.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.6 Formal Wear
Delay Expenses
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.6.1 What we cover
If you need to purchase or hire replacement
formal wear because while on the
outbound section of your journey during
the period of cover, your formal wear is
delayed, misdirected, or misplaced for
more than 12 consecutive hours from the
time you boarded your cruise, we will
reimburse you for the reasonable purchase
or hire costs you incur.
7.7 Marine Rescue
Diversion
You have this cover if you purchased the
optional
Cruise Pack
. See the
Optional
Covers
section for details.
7.7.1 What we cover
In the event your cruise is required to
divert from its scheduled course in order to
carry out a marine rescue in accordance
with obligations under international
conventions governing the Law of the Sea,
and Search and Rescue during the period
of cover, we will pay you $100 for each day
your cruise is diverted, up to a maximum of
5 consecutive days.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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In addition:
f]
if you die as a result of an injury, or a
sickness, or pre-existing medical condition
that we have agreed in writing to cover,
during the period of cover for your
journey, we will pay for your reasonable
funeral expenses incurred overseas or
the cost of bringing your remains back
to your home. The maximum amount we
will pay per person is $60,000.
Please note
that we will not pay for
any costs incurred in Australia except
the reasonable cost of transporting
your remains from the inbound port
or airport to your home or nominated
funeral service.
7.8.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any expenses for medical
evacuation, funeral expenses incurred
overseas or bringing your remains
back to your home unless it has been
approved by Allianz Global Assistance
,
such approval will not be unreasonably
withheld or delayed. Please contact
Allianz Global Assistance to confirm
approval for these expenses;
b]
for costs and expenses that you would
not have incurred had you followed
reasonable medical advice. This
includes any subsequent medical,
hospital or evacuation expenses
incurred when you did not follow the
reasonable medical advice;
c]
if your claim arises from bobsleighing,
snow rafting, parapenting, ski
acrobatics, ski or snowboard jumping,
aerial skiing, stunting, freestyle, skijoring
or any form of power-assisted skiing or
use of mechanised snow-mobiles except
as provided by the recognised piste
authorities for transport to and from
areas designed for recreational skiing; or
d]
for any claims arising outside the
period 15th December to 31st March in
Northern Hemisphere resorts, and 15th
June to 30th September in Southern
Hemisphere resorts. This exclusion will
not apply to those resorts which are
open outside these time periods and
have sufficient snow for normal skiing
activities.
b]
Any snow sport equipment left in or on
a vehicle will only be covered during
daylight hours, and only if the items
were:
• placed in a concealed storage
compartment of a locked vehicle or,
where this is not possible;
• securely locked to the luggage/ski
racks fitted to the roof of a locked
vehicle.
In the event of theft, forced entry must
have been made to the vehicle or,
where the items were securely locked to
the luggage/ski racks, leaving evidence
of damage to the locking mechanism.
The most we will pay in the event of a
payable claim under
7.9.1 b]
is $200
for each item, and $1,000 in total for all
stolen items.
We expect you to report the loss or theft
to the police or an office of the bus line,
airline, shipping line or rail authority you
were travelling on when the theft occurred.
You should make reasonable efforts to
obtain confirmation from whoever you
made the report to. This may be the easiest
way to provide evidence of the loss or theft.
We may be entitled to reduce your claim if
you unreasonably delay or fail to make a
report. A reduction in your claim may occur
to the extent of the amount of prejudice we
have suffered caused by your delay.
7.9.2 What we do not cover
To the extent permitted by law, we will not
pay a claim in relation to your snow sport
equipment if:
a]
the loss, theft or damage is to, or of,
snow sport equipment left behind in
any aircraft, ship, train, tram, taxi or
bus, or in any hotel or motel room after
you have checked out;
b]
the snow sport equipment was being
sent unaccompanied by you or under a
freight contract;
c]
the loss or damage arises from any
process of cleaning, repair or alteration;
d]
the loss or damage arises from
ordinary wear and tear, deterioration,
atmospheric or weather conditions,
insects, rodents or vermin;
e]
you did not take all reasonable
precautions to
safeguard the snow
sport equipment. For example, you will
not be taking reasonable precautions if
you
leave your belongings in a publicly
accessible location:
• at such a distance from you that you
are unable to prevent them being
taken; or
• with a person who is not named
on your Certificate of Insurance, or
who is not a travelling companion
or a relative (or these persons fail to
take all reasonable precautions to
safeguard your luggage).
This includes forgetting or misplacing
any items, leaving them behind or
walking away from them;
f]
you are entitled to be reimbursed by
the bus line, airline, shipping line or rail
authority you were travelling on when
the loss, theft or damage occurred.
However, if you are not reimbursed the
full amount of your claim, we will pay
the difference between the amount of
your loss and what you were reimbursed,
up to the limit of your cover.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.9 Own Snow
Sport Equipment
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.9.1 What we cover
a]
Cover is provided for your snow sport
equipment if, during the period of cover
for your journey, it is stolen, accidentally
damaged or is permanently lost unless:
• it is left in any vehicle (other than as
stated in sub-section
7.9.1 b]
); or
• it is in use,
in which case no cover will be provided
under this benefit.
The amount we will pay, will be the
lesser of:
• the original purchase price;
• the replacement cost; or
• the repair cost.
up to the benefit shown in the
Snow
Pack Table of Benefits
.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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7.10 Snow Sport
Equipment Hire
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.10.1 What we cover
If during the period of cover, you need to hire
snow sport equipment because:
• your snow sport equipment was
misdirected or delayed for more than 24
consecutive hours; or
• your snow sport equipment is stolen,
accidentally damaged or permanently
lost, provided you have a payable clam
under
Benefit 7.9 Own Snow Sport
Equipment
for that theft, accidental
damage or loss;
we will pay for the reasonable costs of hiring
alternative snow sport equipment.
In addition, if you have paid for snow
sport equipment hire cover from the hire
company or agency and they charge you
for the loss of, or damage to the snow sport
equipment hired by you, we will reimburse
you for that charge.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
7.11 Snow Sport Pack
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.11.1 What we cover
If you are unable to utilise the full duration
of your pre-booked and pre-paid ski passes,
snow sport equipment hire, tuition fees, or
lift passes due to:
• an injury; or
• sickness (including if you are
positively diagnosed as suffering a
sickness recognised as an epidemic
or pandemic such as COVID-19),
that you suffer, or
• due to a pre-existing medical
condition that we have agreed to
cover requiring treatment,
during the period of cover for your journey,
we will reimburse you the non-refundable
portion of your unused costs.
7.12 Piste Closure
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.12.1 What we cover
If, during the period of cover for your
journey, you are unable to participate in
your planned snow sport activities because
all lift systems in your pre-booked holiday
resort were closed for more than 24
consecutive hours due to insufficient snow,
bad weather or a power failure during the
period of your booking, we will reimburse
you, up to $100 for each additional 24
consecutive hour period you are unable to
participate in your planned activities, for
the expenses you incur for either:
• transport to the nearest resort; or
• additional ski passes.
7.12.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any claims relating to resorts that do
not have skiing facilities greater than
1,000 metres above sea level; or
b]
for any claims arising outside the period
15th December to 31st March in Northern
Hemisphere resorts and 15th June to
30th September in Southern Hemisphere
resorts. This exclusion will not apply to
those resorts which are open outside
these time periods and have sufficient
snow for normal skiing activities.
7.11.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
if your claim arises from bobsleighing,
snow rafting, parapenting, ski
acrobatics, ski or snowboard jumping,
aerial skiing, stunting, freestyle, skijoring
or any form of power-assisted skiing or
use of mechanised snow-mobiles except
as provided by the recognised piste
authorities for transport to and from
areas designed for recreational skiing; or
b]
for any claims arising outside the
period 15th December to 31st March in
Northern Hemisphere resorts and 15th
June to 30th September in Southern
Hemisphere resorts. This exclusion will
not apply to those resorts which are
open outside these time periods and
have sufficient snow for normal skiing
activities.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
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7.13 Bad Weather &
Avalanches
You only have this cover if you purchased
the optional
Snow Pack
. See the
Optional
Covers
section for details.
7.13.1 What we cover
If, during the period of cover for your journey,
your pre-booked outbound or return travel
is delayed for more than 12 consecutive
hours from your scheduled departure time
due to bad weather or an avalanche, we will
reimburse you for the reasonable additional
travel and accommodation expenses you
incur until the reason for the delay has ended
and you are able to continue with your travel.
You should make reasonable efforts to
obtain a statement from the appropriate
authority confirming the reason for the
delay was related to either bad weather or
an avalanche, and how long the delay was
for. This may be the easiest way to provide
evidence of your delay.
57
Please ensure you also read all
the other sections of the PDS - in
particular, consider the General
Exclusions on pages 58 to 62 and
Our Definitions on pages 72 to 77.
General Exclusions
In addition to any exclusions listed under each benefit in the
Policy Benefits
and the
Optional Covers - Cruise Pack and Snow Pack Policy Benefits
, here is a list of things
that, to the extent permitted by law, we won’t cover under any benefit of the policy unless
your policy specifically allows it, as well as a list of things that we will never cover.
Please ensure you read these general exclusions, together with the other sections of the
PDS, so that you are aware of the limitations and extent of the cover the policy provides. In
particular, please consider
Our Definitions
on pages 72 to 77.
What we don’t cover unless your policy specifically allows it
Exclusion Wording
Activities
Your claim arises from, or is in any way connected with you participating in:
• any activity not listed in the Activities included in this Product section
unless you had purchased:
– the optional
Adventure Pack
and the activity is listed as
covered under that optional pack; and/or
– the optional
Snow Pack
and the activity is a snow sport activity
covered under that optional pack; or
• cruising unless you had purchased the optional
Cruise Pack
to
include cover under your policy for your participation in cruising; or
• any race, speed or time trial, or endurance event other than
amateur racing on foot in races for distances up to and including the
full marathon (42.2 kilometres or 26.2 miles); or
• flying other than when you are travelling as a passenger in:
– a fully licensed aircraft operated by an airline or charter company; or
– a regulated or licensed hot air balloon.
Pre-existing
Medical
Your claim arises from a pre-existing medical condition of you, or your
travel companion, or a relative unless:
• the pre-existing medical condition is a pregnancy that you did not
need to disclose to us as advised under the heading
Travel During
Pregnancy
in the
Pre-existing Medical Conditions
section; or
• you had applied to include cover under your policy for your pre-existing
medical condition and Allianz Global Assistance had agreed in writing
to include cover as shown on your Certificate of Insurance; or
• your travel companion or relative is an insured person and Allianz
Global Assistance had agreed in writing to include cover under the
policy for their pre-existing medical condition as shown on your
Certificate of Insurance; or
• it meets the requirements under sub-section
2.1.1 c]
and sub-section
3.1.1 e]
.
7.13.2 What we do not cover
To the extent permitted by law, we will not
pay:
a]
for any claims relating to resorts that do
not have skiing facilities greater than
1,000 metres above sea level; or
b]
for any claims arising outside the period
15th December to 31st March in Northern
Hemisphere resorts and 15th June to
30th September in Southern Hemisphere
resorts. This exclusion will not apply to
those resorts which are open outside
these time periods and have sufficient
snow for normal skiing activities.
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What we don’t cover unless your policy specifically allows it
Exclusion Wording
Pregnancy
Your claim arises directly or indirectly out of pregnancy or pregnancy
complications except where:
a]
you did not need to disclose your pregnancy to us as advised under
the heading
Travel During Pregnancy
in the
Pre-Existing Medical
Conditions
section; or
b]
Allianz Global Assistance had agreed in writing to include cover
under your policy as shown on your Certificate of Insurance; or
c]
it is as a result of an accident occurring prior to the 24th week of
your pregnancy which:
• causes you to give birth prematurely; or
• requires you to be admitted to hospital beyond the 24th week of
your pregnancy, during which time your child is born.
Important:
Even if Allianz Global Assistance has included cover under
your policy for your pregnancy, other than as set out in point c] above,
this policy will never provide any cover for:
• a pregnancy once it is 24 weeks or more gestation;
• any expenses for routine or regular antenatal care;
• childbirth at any stage of your pregnancy; or
• care of, or relating to the health of, a newborn child.
Private
medical
treatment
You elect to receive private medical treatment where public funded
services or treatment is readily available, including medical or hospital
treatment under a Reciprocal Health Care Agreement between the
Government of Australia and the government of any other country,
unless Allianz Global Assistance has agreed to you receiving that
private medical treatment. Please contact Allianz Global Assistance to
confirm approval for these costs.
Vehicles
Your claim arises directly or indirectly from, or is in any way connected
with you:
• riding a quad bike, or riding or travelling as a pillion passenger on a
motorcycle, moped or motorised scooter, unless you had purchased
the optional
Adventure Pack
; or
• driving or riding a vehicle as the driver, unless you hold the appropriate
class of licence (excluding learners licences) in Australia for that
vehicle, or a licence valid for the country you are travelling in if your
Australian licence is not recognised in that country.
This exclusion does not apply to you travelling as a passenger in a taxi
or other transport vehicle.
What we will never cover
There is no cover under any benefit of this policy if:
Exclusion Wording
Acting
intentionally
or recklessly
You do not do everything you reasonably can to avoid or reduce any loss
as much as possible or you intentionally or recklessly act in a way that:
– reasonably poses a risk to your safety or the safety of your
luggage and personal effects, valuables or other belongings; or
– increases the chance of a claim being made under the policy,
unless you do so in an attempt to protect the safety of a person or
to protect property.
Addiction
Your claim arises from:
• you or any other person being admitted to hospital or confined to a
clinic, where you or that other person (as the case may be) is being
treated for addiction to drugs, substances or alcohol, or is using the
hospital or clinic as a nursing, convalescent or rehabilitation place; or
• a therapeutic or illicit drug, substance or alcohol addiction
suffered by you or any other person.
Aware of
circumstances
At the time of purchasing this product, you were aware, or a reasonable
person in your circumstances would have been aware, of something
that would give rise to you making a claim under the policy.
Diving alone
An incident or event occurs while you are diving alone.
Elective
surgery
Your claim arises from, is related to or associated with elective
surgery, and/or treatment received by you or your travel companion
during your journey.
Epidemic/
pandemic
Your claim arises from, is related to an epidemic or pandemic unless
your claim relates to you or your travel companion contracting an
epidemic or pandemic sickness and cover is expressly included in the
following sections:
1.1 Overseas Emergency Assistance
1.2 Overseas Medical & Hospital Expenses
1.3 Funeral Expenses
2.1 Cancellation
3.1 Additional Expenses
7.1 Medical Cover while Cruising
7.2 Evacuation Cover – Ship to Shore
7.3 Cabin Confinement
7.4 Pre-Paid Shore Excursion Cancellation
7.8 Overseas Emergency Snow Sport Assistance
7.11 Snow Sport Pack
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What we will never cover
There is no cover under any benefit of this policy if:
Exclusion Wording
Errors or
omissions
Your claim arises from errors or omissions in any booking arrangements
or failure to obtain any relevant visa, passport or travel documents.
Government
confiscation
Your claim arises from a government authority confiscating, detaining
or destroying anything.
Health
insurance
Your claim arises from, or associated with any loss, damage, liability,
event, occurrence, injury or sickness where providing you with such
cover would result in us contravening the Health Insurance Act 1973
(Cth), the Private Health Insurance Act 2007 (Cth) or the National
Health Act 1953 (Cth) or where Allianz does not have the necessary
licenses or authority to provide such cover.
Ignoring
safety
warnings
Your claim arises directly or indirectly from, or is in any way connected
with, you not observing all safety warnings and advice about adverse
weather and terrain conditions.
Illegal acts
Your claim arises because you breach any government prohibition or
regulation, including visa requirements or intentionally act illegally.
Loss of
enjoyment
Your claim is for loss of enjoyment of any kind.
Medical
complications
Your claim arises, or is a consequence of complications from, medical,
surgical or dental procedures or treatments received by you or your
travel companion during your journey that are not for an injury, or
sickness, or pre-existing medical condition that we have agreed in
writing to cover, that would be otherwise be covered by this policy.
Medication
already in use
Your claim is for the cost of medication you are using at the time the
journey began or the cost for maintaining a course of treatment you
were on prior to the start of the journey.
Nuclear
materials,
biological
or chemical
weapons
Your claim arises from:
• a nuclear reaction or contamination from nuclear weapons or
radioactivity; or
• biological and/or chemical materials, substances, compounds or
the like including when used directly or indirectly for the purpose
of harming or to destroy human life and/or create public fear.
Professional
sport
Your claim arises from you or your travel companion participating in
professional sport of any kind (including professional racing on foot).
Protective
gear
Your claim arises directly or indirectly from, or is in any way connected
with, you not wearing the appropriate protective clothing and head
protection for the sport or activity you are participating in.
What we will never cover
There is no cover under any benefit of this policy if:
Exclusion Wording
Suicide
Your claim arises from your intentional self harm or your suicide or
attempted suicide.
Travel against
medical
advice
Your claim is in respect of travel booked or undertaken by you against
the advice of any medical adviser.
Travel alerts
and other
warnings
Your claim arises because you did not follow an advice or warning
that a reasonable person would have been aware of:
– by the Australian government (when a ‘
Reconsider your need
to travel
’ or ‘
Do not travel
’ alert is in place), which can be found
on www.smartraveller.gov.au; or
– which was published in a reliable mass media source.
Under the
influence
Your claim arises from, or is caused, or is contributed to, by you
being affected by any intoxicating liquor or drug to the extent that
your physical, or mental functions, or your judgement are impaired,
except a drug prescribed to you by a medical adviser, and taken in
accordance with their instructions.
Violation of
sanctions,
laws or
regulations
Providing cover or being liable to pay any claim or provide any
benefit (including a refund on premium) under this policy to the
extent that the provision of such cover, payment of such claim or
provision of such benefit would constitute a breach of any trade
or economic sanction, embargo, prohibition or restriction imposed
by any of the following: United Nations, United States of America,
Australia, European Union, United Kingdom, or New Zealand, or
any other applicable national trade or economic sanctions, laws or
regulations. This clause shall apply where such geographical location,
provision of goods, services or other reasons shall contravene such
sanction, embargo, prohibition or restriction.
War
Your claim arises from any act of war, whether war is declared or not,
or from any rebellion, revolution, insurrection or taking of power by
the military.
Workers
compensation
Your claim is for a loss which is recoverable by compensation from
any transport provider, or under any workers compensation law,
government sponsored fund, plan, or medical benefit scheme, or any
other similar type legislation required to be effected by or under a law.
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Your duty to take reasonable
care not to make a
misrepresentation
You must take reasonable care not to make
a misrepresentation to us. This responsibility
applies until we issue you with a policy for
the first time or agree to renew, extend, vary/
change, or reinstate your policy.
You must answer our questions honestly,
accurately and to the best of your
knowledge. A misrepresentation includes
a statement that is false, partially false, or
which does not fairly reflect the truth. It is
not misrepresentation if you do not answer
a question or if your answer is obviously
incomplete or irrelevant to the question
asked.
The responsibility to take reasonable care
not to make a misrepresentation applies
to everyone who will be insured under the
policy. If you are answering questions on
behalf of anyone, we will treat your answers
or representations as theirs.
Whether or not you have taken reasonable
care not to make a misrepresentation is
to be determined having regard to all
relevant circumstances, including the
type of insurance, who it is intended to be
sold to, whether you are represented by a
broker, your particular characteristics and
circumstances we are aware of.
If you do not meet the above duty, we may
reject or not fully pay your claim and/or
cancel your policy. If the misrepresentation
was deliberate or reckless, this is an act of
fraud, and we may treat your policy as if it
never existed.
If our information or questions are unclear,
you can contact us using the contact
information on the back cover of this PDS.
Limitation of cover
Regardless of anything contained in this
Policy to the contrary, we shall not be liable
to provide any cover or benefit or pay any
claim where the provision of cover or benefit
or payment of claim would constitute a
breach of any trade or economic sanction,
embargo, prohibition or restriction imposed
by any of the following: United Nations,
United States of America, Australia, European
Union, United Kingdom, or New Zealand,
or any other applicable national trade or
economic sanctions, laws or regulations. This
applies where such geographical location,
provision of goods, services or other reasons
shall contravene such sanction, embargo,
prohibition or restriction.
Jurisdiction and choice
of law
Your policy is governed by and construed
in accordance with the law of Queensland,
Australia and you agree to submit to
the exclusive jurisdiction of the courts of
Queensland. You agree that it is your
intention that this Jurisdiction and Choice of
Law clause applies.
General Insurance Code
of Practice
Allianz and Allianz Global Assistance
proudly support the General Insurance
Code of Practice.
The General Insurance Code of Practice
was developed by the Insurance Council
of Australia to further raise standards of
practice and service across the insurance
industry.
The Code Governance Committee (CGC)
is an independent body that monitors and
enforces insurers’ compliance with the Code.
You can obtain more information on the
Code of Practice and how it assists you by
contacting us. Contact details are provided
on the back cover of this PDS.
For more information on the Code
Governance Committee (CGC) go to
www.insurancecode.org.au.
Financial Claims
Scheme
In the unlikely event Allianz were to
become insolvent and could not meet
its obligations under your policy, a
person entitled to claim may be entitled
to payment under the Financial Claims
Scheme. Access to the Scheme is subject to
eligibility criteria.
More information can be obtained from the
APRA website at www.apra.gov.au and the
APRA hotline on 1300 558 849.
Other things you need to know
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Privacy Notice
We collect your personal information
Your privacy is important to us. To offer,
quote, and provide you with this product
and our services, we, namely AWP Australia
Pty Ltd ABN 52 097 227 177 trading as
‘Allianz Global Assistance’ as agent for the
insurer, Allianz Australia Insurance Limited
ABN 15 000 122 850, AFS Licence 234708,
collect, store, use, and disclose your personal
information including sensitive information.
We usually collect it directly from you but
sometimes from others such as through our
business partners and agents, or from your
family members or travelling companions
or group leader. We are responsible for
ensuring your personal information is
used and protected in accordance with
applicable laws including the Privacy Act
1988. Personal information we collect
includes, for example, your name, address,
date of birth, email address, and sometimes
your medical information, bank account
details (to pay your claim or for refunds), as
well as other information we collect through
devices like ‘cookies’ when you visit our
website such as your IP address.
Uses and Purposes of collection
We use your personal information to offer,
quote, and provide our travel insurance
products to you (including renewals).
Further, we use it to manage your and
our rights and obligations in connection
with any such products, including for
claims handling. We may also use it for
product development, fraud investigations,
marketing, customer data analytics,
research, IT systems maintenance and
development, recovery against third
parties, and to liaise where necessary with
Government Departments, regulators, and
insurance reference bodies.
We do not use sensitive information for
marketing purposes nor do we provide
sensitive information to any third parties
for marketing.
Disclosure to third parties
Your personal information may be disclosed
to third parties who assist us to carry out the
activities in the paragraph above, such as to
claims management providers, travel agents
and intermediaries, insurers, investigators,
cost containment providers, medical and
health service providers, overseas data
storage (including ‘cloud’ storage) and
data handling providers, legal and other
professional advisers, your agents and
broker, your travel group leader if you travel
in a group, your employer if you have a
corporate travel policy, family members or
travelling companions listed on your travel
insurance policy, insurance reference bodies
in the case of suspicious claims or credit card
transactions, and our related and group
companies including Allianz. Some of these
persons and entities to whom we disclose
your personal information may be located
in other countries including in Europe, the
UK and Ireland, Asia, Canada, the USA,
and other countries where Allianz has a
presence. We also, where necessary, disclose
your personal information to Government
Departments and to regulatory bodies.
Promotional material
We may contact you by telephone,
normal mail, email, electronic messages
such as SMS, and via other means with
promotional material and offers of
products or services from us, our related
companies, as well as offers from our
business partners that we consider may be
relevant and of interest to you. Where we
contact you for promotional purposes, you
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can withdraw your consent at any time by
calling us on 1800 023 767 or by contacting
us – see below.
Providing us with personal
information of others
When, in connection with one of our
products, you provide personal information
to us about another person or you receive
personal information from us about
another person (such as when you are the
primary policyholder for your family or a
group obtaining travel insurance from us),
we rely on you to have first obtained the
other person’s consent for you to provide
and receive their personal information, and
we rely upon you to make them aware of
the matters set out in this Privacy Notice.
If you don’t have the person’s consent, you
must inform us. Note, if the person is listed
as an insured person on the policy and they
contact us for information about the policy,
we will provide it to them.
Your right to access
You may also seek access to your personal
data and ask us to correct and update it.
You may not access or correct personal
information of others unless you have been
authorised by their express consent, or
unless they are your dependants under 16
years of age.
If you have a request for access or a complaint
concerning our handling of your personal
information, please contact: Privacy Officer,
Allianz Partners, PO Box 162, Toowong, QLD
4066, or email DataPrivacyAU@allianz-
assistance.com.au.
You can also contact the Privacy
Commissioner at the Office of The Australian
Information Commissioner, GPO Box 5288,
Sydney, NSW 2001 if you have a complaint.
For more information about our Allianz
Partners Privacy Policy and handling of
personal information, including further details
about access, correction, and complaints,
please visit our website at
www.allianz-assistance.com.au and click on
the Privacy & Security link in the footer.
If you do not agree with the matters set out
in our privacy policy or will not provide us
with the personal information we request,
we may not be able to provide you with
our products or services including the
assessment and payment of any claims.
In cases where we cannot comply with
your request concerning your personal
information, we will give you reasons why.
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Claims
valuations, medical reports, original receipts
or proof of purchase and ownership. If
required Allianz Global Assistance may
reasonably ask you to provide them
with translations into English of any such
documents to enable their consideration of
your claim.
a]
If you think that you may have to cancel
or shorten your journey you must tell us as
soon as possible. Contact Allianz Global
Assistance using the contact number
shown on the back cover of this PDS,
or the 24 hour emergency assistance
number if you are still overseas.
b]
For medical, hospital or dental claims,
contact Allianz Global Assistance as
soon as practicable.
c]
For loss or theft of your luggage and
personal effects or valuables, report it
as soon as reasonably practicable to
the police and obtain a written notice
of your report. This may be the easiest
way to provide evidence of the loss or
theft. If you unreasonably
delay or fail
to make a report and we are prejudiced
by your delay or failure, we may be
entitled to reduce your claim by the
amount of prejudice we have suffered.
d]
For damage or misplacement of
your luggage and personal effects,
caused by the airline or any other
operator or accommodation provider,
report the damage or misplacement
to an appropriate official as soon
as reasonably possible and take all
reasonable steps to obtain a written
report, including any offer of settlement
that they may make.
Allianz Global Assistance will consider
your claim within 10 business days of
receiving a completed claim form and all
Read through the terms, conditions,
exclusions, limits and applicable sub-limits
of your policy – for example, the benefits
listed under the
Policy Benefits
and also
in the
Optional Covers - Cruise Pack
and Snow Pack Policy Benefits
, the
General Exclusions
, or on your Certificate
of Insurance - to check whether you are
covered.
You must notify Allianz Global Assistance as
soon as you are reasonably
aware of any
potential claim. Please submit full details of
your claim as soon as reasonably
possible by
either:
• lodging your claim on-line 24 hours a day
at www.claimmanager.com.au; or
• emailing or posting a completed claim
form to Allianz Global Assistance.
You can obtain a claim form by emailing
Allianz Global Assistance at
[email protected] or by
calling the contact number on the back
cover of this PDS.
In order to be sure that you are covered
under this policy you should, where practical,
always contact Allianz Global Assistance for
approval before you incur expenses you wish
to claim in order to check you are covered
and that the amount is reasonable. If you do
not, we may reduce your claim to the extent
that we are prejudiced.
You must take all reasonable steps
to
co-operate at all times in relation to
providing supporting evidence and such
other information that may reasonably be
required.
You must take all reasonable steps to
give
any information Allianz Global Assistance
reasonably asks for to support your claim at
your expense. Examples of information to
support your claim includes police reports,
reasonably necessary documentation. If
they need additional information, a written
notification will be sent to you within 10
business days.
If there is a delay in claim notification, or
you do not provide sufficient detail for
Allianz Global Assistance to consider your
claim, we can reduce any claim payable by
the amount of prejudice we have suffered
because of the delay.
health-related costs you incur when you
aren’t travelling, such as claiming through
Medicare or your private health insurer.
Overseas hospital admission or
medical evacuation
If you require emergency assistance, Allianz
Global Assistance is only a telephone call
away. The team will help with medical
problems, locating nearest medical
facilities, your evacuation home, locating
nearest embassies and consulates, as well
as keeping you in touch with your family
and work in an emergency.
If you are admitted to hospital, or you are
being treated as an outpatient and the
total cost of such treatment is likely to
exceed $2,000, you or a member of your
travelling party, should contact Allianz
Global Assistance as reasonably as
possible to seek approval to incur such cost.
Otherwise, we may reduce the amount
payable for your claim to the extent
we are prejudiced. Approval will not be
unreasonably withheld or delayed.
Please note that we will not pay for any
hospital, medical or dental costs you
incur in Australia.
This is because we are not licensed to pay
these costs in Australia. Therefore, you
should treat them as you would any other
You can choose your own doctor
Unless you are treated under a Reciprocal
Health Care Agreement you are free to
choose your own medical adviser or, if
you ask them to, Allianz Global Assistance
can appoint a medical adviser to see you,
subject to the ‘
Private Medical Treatment
’
exclusion on page 59.
You must, as soon as possible, advise
Allianz Global Assistance of your admission
to hospital or your early return to Australia
based on written medical advice.
If you do not get the medical treatment you
expect, Allianz Global Assistance can assist
you but neither Allianz nor Allianz Global
Assistance are liable for anything that
results from that.
Other insurance
If any loss, damage or liability covered
under this policy is covered by any other
insurance, you must give us details. If you
make a claim under one insurance and
you are paid the full amount of your claim,
you cannot make a claim under the other
insurance. If you make a claim under any
other insurance and you are not paid the
full amount of your claim, we will make
up the difference, up to the amount this
policy covers you for, provided your claim
is covered by this policy. We may seek
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How GST may affect your claim
If you are entitled to claim an input tax credit
in respect of a cost for which a claim is made,
or would be entitled to an input tax credit
if you were to incur the relevant cost (i.e. in
replacing a lost or stolen item), the amount
we would otherwise pay will be reduced by
the amount of that input tax credit.
If you are entitled to claim an input tax
credit in respect of your premium you must
inform us of the amount of that input tax
credit (as a percentage) at the time you
first make a claim. If you fail to do so, you
may have a liability for GST if we pay you
an amount under your policy.
contribution to amounts we have paid,
or must pay, from your other insurer.
You must give us any information we
reasonably ask for to help us make a
claim from your other insurer.
Claims are payable in
Australian dollars to you
We will pay all claims in Australian dollars.
We will pay you unless you tell us to
pay someone else. The rate of currency
exchange that will apply is the rate at the
time you incurred the expense. Payment
will be made by direct credit to a bank
account nominated by you.
For example:
You have a $500 digital camera that
was purchased 2 years before the date
it was lost. The rate of depreciation
would be 20% per year.
In settlement of your claim we would
pay you $300 (i.e. we will depreciate
the value of the digital camera by 20%
of the purchase price for each of the 2
years you have owned it), calculated
as follows:
Year 1 - Purchase price of $500 less
20% ($100) = $400
Year 2 - Depreciated value of $400 less
20% of the purchase price ($100) = $300
You should not admit fault or
liability before consulting us
You should not admit that you are at fault
for any accident, incident or event causing
a claim under your policy, and you must not
offer or promise to pay any money, or take
any steps in relation to any legal action,
without the approval of Allianz Global
Assistance. Such approval will not be
unreasonably withheld or delayed. If you
do, we may reduce or refuse your claim to
the extent we are prejudiced.
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.
You can help by reporting insurance
fraud by calling Allianz Global Assistance
on 1800 453 937. All information will be
treated as confidential and protected to
the full extent under law.
Depreciation
When taking into consideration the age of
a covered item we will deduct the following
amounts from our settlement for each item
you have claimed:
• For toiletries and medication (including
skin care, make-up, perfume, deodorant
and aftershave) we will deduct 50% of
the purchase price for each year you
have owned the item up to a maximum
deduction of 80%;
• For mobile phones, smart phones,
electrical devices, communication
devices, all computers (including laptops
and tablets), photographic equipment
and electronics equipment we will
deduct 20% of the purchase price for
each year you have owned the item up
to a maximum deduction of 80%;
• For clothing, footwear, luggage and
books we will deduct 15% of the
purchase price for each year you have
owned the item up to a maximum
deduction of 80%;
• For camping, sporting and leisure
equipment (but not leisure clothing) and
musical instruments we will deduct 10%
of the purchase price for each year you
have owned the item up to a maximum
deduction of 80%;
• For jewellery we will not make any
deduction;
• For all other items we will deduct 15%
of the purchase price for each year you
have owned the item up to a maximum
deduction of 80%.
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Recovery
If we have a claim against someone in
relation to the money we have to pay or we
have paid under your policy, you must take
reasonable steps to help us do that in legal
proceedings. If you are aware of any third
party that you or we may recover money
from, you must take reasonable steps to
inform us of such third party.
We may, at our discretion, undertake in your
name and on your behalf, control and settle
proceedings for our own benefit in your
name to recover compensation or secure
indemnity from any party in respect of
anything covered by this policy. We will act
reasonably having regard to your interests,
and will keep you informed if you ask us to.
You are to assist and permit to be done,
everything reasonably required by us for
the purpose of recovering compensation
or securing indemnity from other parties
to which we may become entitled or
subrogated, upon us paying your claim
under this policy regardless of whether
we have yet paid your claim and whether
or not the amount we pay you is less than
full compensation for your loss. These
rights exist regardless of whether your
claim is paid under a non-indemnity or an
indemnity clause of this policy.
We will apply any money we recover from
someone else under a right of subrogation
in the following order:
1.
to us, our costs (administration and
legal) arising from the recovery.
2.
to us, an amount equal to the amount
that we paid to you under your policy.
3.
to you, your uninsured loss (less your
excess).
4.
to you, your excess.
Certificate of Insurance
is the document we give you which
confirms that we have issued a policy to
you and sets out details of your cover.
Chronic
means a persistent and lasting
condition. It may have a pattern of
relapse and remission.
Concealed storage compartment
means a boot, trunk, glove box,
enclosed centre console, or concealed
cargo area of a motor vehicle.
Cruise
or
cruising
means leisure or holiday travel as a
passenger on-board a commercially
operated sea or ocean-going vessel
which has on-board accommodation
and trained medical staff, whether or
not the travel includes stopping at ports
or other locations for sightseeing.
Date of issue
means the date and time of issue on
your Certificate of Insurance.
Dependant
means your child or grandchild (including
step-child, adopted child, foster child and
child you care for under a legal guardian
arrangement), and who are:
• not in full-time employment,
• accompanying you on the journey; and
• aged under 25 years at the time of
issue of your Certificate of Insurance.
Dependant does not include any person
other than those listed on your Certificate
of Insurance.
Depreciation
means the deduction from the original
purchase price of an amount calculated
to be the reduction in value because of
wear and tear and/or the passing of time.
Our Denitions
When the following words and phrases
appear in this PDS, your Certificate of
Insurance or any other document that
forms part of your policy, they have the
meanings given below. The use of the
singular shall also include the use of the
plural and vice versa.
Accident, accidental, accidentally
means any sudden and unexpected
physical event not intended by you.
Accompanying
means travelling with the insured
person for 100% of the journey.
Allianz
means Allianz Australia Insurance Limited
ABN 15 000 122 850, AFSL 234708.
Allianz Global Assistance
means AWP Australia Pty Ltd ABN 52
097 227 177, AFSL 245631.
Appropriate supervision
means under the supervision of a
person who possesses the necessary
skills, qualifications and licensing
appropriate for the supervision of the
activity being undertaken.
Bicycles
means any bicycle, tricycle, tandem,
trailer cycle or push scooter that is
powered by human pedalling and/or
a battery.
Business samples
means demonstration goods or
examples of goods sold by you or
your company.
Carrier
means an aircraft, train, tram, vessel
or other scheduled transport operated
under a licence for the purpose of
transporting passengers. However,
it does not mean a taxi, limousine or
similar service.
Once we pay your total loss, we will pay
you the balance of any 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.
Complaints and disputes
If you are dissatisfied with our service in any
way, please contact us and we will attempt
to resolve the matter in accordance with our
internal dispute resolution procedures. You
can contact us to make a complaint and
request a copy of our procedures using the
contact details provided below.
Allianz Global Assistance
www.allianz-assistance.com.au
1300 795 636
[email protected]
Locked Bag 3014, Toowong DC QLD 4066
If you are not happy with the proposed
resolution of your complaint, or we do not
make a decision within the period that we
tell you we will respond, we will tell you
about your right to escalate your complaint
to the Australian Financial Complaints
Authority (AFCA). AFCA provides a free and
independent dispute resolution service for
consumers who have general insurance
disputes falling within its terms. If you wish to
exercise your right to refer your complaint to
external dispute resolution, you may contact
AFCA using the details provided below.
The Australian Financial Complaints
Authority
www.afca.org.au
1800 931 678
[email protected]
GPO Box 3, Melbourne VIC 3001
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Injure, injured
or
injury
means bodily injury caused solely and
directly by violent, accidental, visible
and external means, which happens at
a definite time and place during your
period of cover and does not result
from any illness, sickness or disease.
Insolvency
or
insolvent
means bankruptcy, provisional
liquidation, liquidation, appointment of
a receiver, manager or administrator,
entry into any official or unofficial
scheme of arrangement, statutory
protection, restructuring or composition
with creditors, or the happening of
anything of a similar nature under the
laws of any jurisdiction.
Jewellery
means a form of personal adornment,
such as brooches, rings, necklaces,
earrings, and bracelets. It does not
include watches or items of clothing.
Journey
means from the time you leave your
home or your place of employment or
business to commence your travel and
ends when you:
• return to your home; or
• arrive at a hospital or residential
care facility in Australia (if you are
evacuated or repatriated for medical
reasons), whichever happens first.
Legal costs
means fees, costs and expenses
(including any applicable taxes and
charges) in connection with a legal
action. It also means any costs which
you are ordered to pay by a court
or arbitrator (other than any fine or
penalty, or aggravated, punitive,
exemplary or liquidated damages) or
any other costs we agree to pay.
Duo
means you and your travel companion
as named on the Certificate of Insurance
but does not include dependants.
Epidemic
means an infectious disease that rapidly
spreads to a large number of people in a
community, population, or region.
Excess
means the deduction we will make from
the amount otherwise payable under
your policy for each claimable incident
or event.
Family
means you, your spouse or partner
and your dependants. Family does not
include any person other than those
listed on your Certificate of Insurance.
Formal wear
means dinner suit, dress shirt, bowtie,
evening gown, cocktail dress or other
items of clothing which are required
attire for formal dining/functions. This
includes wedding attire but does not
include jewellery.
Funeral expenses
means
the costs charged by a funeral
director for arranging your funeral
service and by a cemetery for your
burial or a crematorium for your
cremation. It does not include the cost
of memorialisation.
Home
means the place where you normally
live in Australia.
Hospital
means an established hospital
registered under any legislation that
applies to it, that provides in-patient
medical care. It does not include
any institution used primarily as a
residential care facility, a health retreat,
or a rehabilitation or external care
facility for the treatment of alcoholism,
drug addiction or substance addiction.
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Luggage and personal effects
means your suitcases, trunks and similar
containers (including their contents),
articles worn or carried by you, and
sporting equipment. It does not mean
or include any:
• bicycle;
• business samples or items that you
intend to trade;
• valuables;
• snow sport equipment;
• passport or travel documents;
• cash, bank notes, currency notes,
cheques or negotiable instruments;
• electronic data, software or
intangible asset;
• watercraft of any type (other than
surfboards);
• furniture, furnishings, household
appliances;
• hired items; or
• any other item which may be listed
as excluded on your Certificate of
Insurance.
Medical adviser
means a doctor (including a clinical
psychologist) or dentist qualified to
diagnose the condition or disorder,
holding the necessary current
certification in the country in which
they are currently practising, and who
is not you or your travel companion, or
a relative or employee of you or your
travel companion.
Medical Terms of Cover
means the document we give you as a
schedule to your Policy which details
the terms and conditions relating to any
Pre-existing medical condition that you
disclose to us.
Mental illness
means any illness, condition or
disorder listed in the current edition
of the Diagnostic and Statistical
Manual of Mental Disorders (Used by
clinicians and psychiatrists to diagnose
psychiatric illnesses. Consult your
medical advisor for more information).
Natural disaster
means any event or force of nature
that has catastrophic consequences,
such as avalanche, earthquake, flood,
bush fire, hurricane, tornado, cyclone,
tsunami and volcanic eruption, but not
epidemics or pandemics.
Overseas
means outside of Australia and its
territories.
Pandemic
means an epidemic that spreads
to multiple countries, continents, or
worldwide.
PDS
means Product Disclosure Statement
and any Supplementary Product
Disclosure Statement.
Permanent disability
means permanent loss of all the sight in
one or both eyes, or the use of a hand
at or above the wrist or a foot at or
above the ankle.
Policy
means this PDS, any Supplementary
PDS, your Certificate of Insurance and
Medical Terms of Cover document (if
applicable).
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Pregnancy-related
means arising from or directly connected
with the process and changes in a
mother resulting from a developing
foetus. It covers the mother and foetus,
as per the limits and conditions of cover
set out in this policy, when either requires
emergency medical care.
Pre-existing medical condition
means a condition of which a reasonable
person in the circumstances, should have
been aware at the time of issue of the
Certificate of Insurance, including:
• any dental condition; or
• any physical condition; or
• pregnancy; or
• any lifelong illness; or
• any chronic illness; or
• any mental illness; or
• any current or previously treated
cancer, or
any condition which, in the last two (2)
years:
• was treated by surgery (including day
surgery); or
• required regular medication; or
• required on-going treatment; or
• was referred to a specialist medical
adviser; or
• had regular reviews or check-ups; or
• caused admission to hospital; or
• was treated at a hospital emergency
department or out-patient clinic.
Proof of your ownership, proof of
purchase
or
value
means receipts, invoices, valuations,
and other documents directly showing
ownership and value. Where direct
proof of ownership or valuation is not
reasonably available to the insured, and
depending upon the value and nature
of the claim, it can include statutory
declarations or other information which
show the insured is most likely the
owner.
Professional sport
means training for, coaching or
competing in any sporting event where
you are entitled to receive, or are eligible
to receive, an appearance fee, wage,
salary or prize money more than $1,000.
Quad bike
means a motorised vehicle designed to
travel on four or more wheels, having
a seat straddled by the operator and
handlebars for steering control.
Reasonable
means:
• for covered medical, hospital or
dental expenses, at the standard
level of care given in the country
you are in but not exceeding that
provided through the public hospital
system in Australia;
• for covered booking and travel-
related expenses, a level comparable
to those you have booked for the rest
of your journey; if no similar booked
travel arrangements or for covered
expenses of relatives, a level that is
appropriate and moderate in the
circumstances; not extravagant;
• for covered funeral expenses, a level
that in the circumstances is moderate;
not premium;
• for situations where we ask you to do
something such as to assist us or to or
provide documents or information or
to take reasonable care or to make
reasonable efforts - to the extent that
is practically achievable by you and
within your control or ability using
ordinary efforts;
• for reasonable medical advice,
advice provided by a doctor or other
medically qualified practitioner
experienced in the medical issue in
question and engaged either on your
behalf or on behalf of Allianz Global
Assistance to provide medical advice;
• reasonable legal costs or expenses:
means the usual or normal legal costs
and expenses incurred in defending
or settling a claim, including
engaging a mid-tier firm of lawyers,
their reasonable disbursements, etc;
not extravagant;
• for 'a reasonable person', what would
be expected of an average person in
the circumstances, and achievable
by the insured through normal
endeavours;
• for any other circumstances, including
conduct or acts of a reasonable
person - what is reasonable in the
circumstances, having regard to
common community standards, and
fairness.
Reciprocal Health Care Agreement
means an agreement between the
government of Australia and the
government of another country where
permanent residents of Australia are
provided with subsidised essential
medical treatment. (Please visit www.
servicesaustralia.gov.au for details of
Reciprocal Health Care Agreements
with Australia.)
Redundant
or
redundancy
means loss of permanent paid full
time employment (except voluntary
redundancy), after a continuous
working period of two years with the
same employer.
Relative
means only a grandparent, parent,
parent-in-law, step parent, step parent-
in-law, sister, step sister, sister-in-law,
brother, step brother, brother-in-law,
spouse, partner, fiancé(e), son, son-in-
law, daughter, daughter-in-law, step
child, foster child, grandchild, ward or
guardian.
Rental vehicle
means a campervan/motorhome that
does not exceed 4.5 tonnes, a sedan,
coupe, hatchback, station-wagon, SUV,
four wheel drive or mini bus/people
mover, rented from a licensed rental
company or agency. Rental vehicle
does not include any other vehicle
irrespective of use or weight.
Sick
or
sickness
means a medical condition (including
a mental illness), not being an injury,
the symptoms of which first occur or
manifest after the date of issue.
Single
means you and your dependants who
are accompanying you on the journey.
Snow sport activities
means amateur skiing, snowboarding,
sledding, tobogganing, or tubing
conducted on groomed terrain,
marked slopes or trails that are open,
maintained and monitored within ski
resort boundaries but does not include
any form of racing, acrobatics, jumping,
stunting, aerial or freestyle activities.
Snow sport equipment
means skis, poles, boots, bindings or
snowboards. Snow sport equipment
does not include any equipment other
than the equipment listed.
Sporting equipment
means equipment needed and used
to participate in a particular sport and
which can be carried about with you.
Transaction card
means a debit card, credit card or travel
money card.
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Regions
Worldwide
Antarctica
Americas region
Africa region
Asia region
Australia region
Bouvet Island
British Indian
Ocean Territory
Europe region
French Southern
Territory
New Zealand
region
Pacific region
South Georgia and
South Sandwich
Islands
Americas (North America, Central America and South America)
Anguilla
Antigua & Barbuda
Argentina
Aruba
Bahamas
Barbados
Belize
Bermuda
Bolivia
Bonaire
Brazil
Canada
Cayman Islands
Chile
Colombia
Costa Rica
Cuba
Curacao
Dominica
Dominican
Republic
Ecuador
El Salvador
Falkland Islands
(Malvinas)
French Guiana
Greenland
Grenada
Guadalupe
Guatemala
Guyana
Haiti
Honduras
Jamaica
Martinique
Mexico
Montserrat
Nicaragua
Panama
Paraguay
Peru
Puerto Rico
Saint Barthelemy
Saint Kitts and Nevis
Saint Lucia
Saint Martin
(French)
Saint Pierre and
Miquelon
Saint Vincent and
The Grenadines
Sint Maarten
(Dutch)
Suriname
Trinidad and
Tobago
Turks and Caicos
Islands
United States of
America
Uruguay
Venezuela
Virgin Islands,
British
Virgin Islands, U.S.
Travel companion
means only those persons with whom
you have made arrangements before
your Certificate of Insurance was issued,
to travel with you for at least 75% of
your journey.
Valuables
means jewellery, antiques, curios or
works of art, watches, semi-precious/
precious metals or semi-precious
stones/precious stones and items
made of or containing semi-precious/
precious metals or semi-precious
stones/precious stones, furs,
binoculars, telescopes, any kind of
photographic, audio, video, computer
(including monitors), fax or phone
equipment (including mobile phones),
tablets, MP3/4 players and PDAs.
Vehicle
means any car, van or bus (including but
not limited to a coupe, hatchback, station
wagon, SUV/4WD or campervan),
motorcycle, moped or scooter.
We, our, us
means Allianz Australia Insurance Limited
ABN 15 000 122 850, AFSL 234708.
You, your, yourself
and
insured person
means each person named on the
Certificate of Insurance.
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New Zealand
New Zealand
Australia
Australia Christmas Island Cocos (Keeling)
Island
Norfolk Island
Pacific
American Samoa
Cook Islands
Fiji
French Polynesia
Guam
Heard and
McDonald Island
Kiribati
Marshall Islands
Micronesia
Nauru
New Caledonia
Niue
North Mariana
Islands
Palau
Papua New Guinea
Pitcairn
Samoa
Solomon Islands
Tokelau
Tonga
Tuvalu
Vanuatu
United States Minor
Outlying Islands
Wallis and Futuna
Islands
Asia
Afghanistan
Armenia
Azerbaijan
Bahrain
Bangladesh
Bhutan
Brunei Darussalam
Cambodia
China
Cyprus
Georgia
Hong Kong
India
Indonesia
Iran
Iraq
Israel
Japan
Jordan
Kazakhstan
Kuwait
Kyrgyzstan
Laos
Lebanon
Macao
Malaysia
Maldives
Middle East
Mongolia
Myanmar
Nepal
North Korea
Oman
Pakistan
Palestine
Philippines
Qatar
Saudi Arabia
Singapore
South Korea
Sri Lanka
Syria
Taiwan
Tajikistan
Thailand
Timor-Leste
Turkey
Turkmenistan
United Arab
Emirates
Uzbekistan
Vietnam
Yemen
Africa
Algeria
Angola
Benin
Botswana
Burkina Faso
Burundi
Cameroon
Cape Verde
Central African
Republic
Chad
Comoros
Congo
Cote D'Ivoire
Djibouti
Egypt
Equatorial Guinea
Eritrea
Ethiopia
Gabon
Gambia
Ghana
Guinea
Guinea-Bissau
Kenya
Lesotho
Liberia
Libya
Madagascar
Malawi
Mali
Mauritania
Mauritius
Mayotte
Morocco
Mozambique
Namibia
Niger
Nigeria
Reunion
Rwanda
Saint Helena,
Ascension & Tristan
Da Cunha
Sao Tome and
Principe
Senegal
Seychelles
Sierra Leone
Somalia
South Africa
South Sudan
Sudan
Swaziland
Tanzania
Togo
Tunisia
Uganda
Western Sahara
Zambia
Zimbabwe
Europe
Aland Islands
Albania
Andorra
Austria
Belarus
Belgium
Bosnia and
Herzegovina
Bulgaria
Croatia
Czech Republic
Denmark
Estonia
Faroe Islands
Finland
France
Germany
Gibraltar
Greece
Guernsey
Hungary
Iceland
Ireland
Isle of Man
Italy
Jersey
Latvia
Liechtenstein
Lithuania
Luxembourg
Macedonia
Malta
Moldova
Monaco
Montenegro
Netherlands
Norway
Poland
Portugal
Romania
Russian Federation
San Marino
Serbia
Slovakia
Slovenia
Spain
Svalbard and Jan
Mayen
Sweden
Switzerland
Ukraine
United Kingdom
Vatican City State
24 hour Emergency assistance
Within Australia: 1800 119 412
From overseas: +61 7 3305 7497
Please note additional charges may apply for any calls
made from mobiles, public telephones or hotel rooms.
Contact us 24 hours a day, 7 days a week.
For more information
Call us on 1300 992 694
Go online at bupa.com.au
Bupa HI Pty Ltd ABN 81 000 057 590 AR 354269 (Bupa) distributes this insurance as an Authorised Representative of Open Insurance Pty Ltd ABN 23
166 949 444 AFSL 451712 (Open). Open arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as
Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000
122 850 AFSL 234708. Terms, conditions, exclusions, limits and applicable sub-limits apply.
BUPATI IMP3437 09/23