This Financial Services Guide has been designed to help you make an informed decision about the financial services provided by the Authorised Representative. It contains information on how they and others are remunerated for providing these financial services and how your complaints are dealt with.
When they arrange an insurance policy for you they will give you a Product Disclosure Statement (PDS) when required. The PDS is designed to provide important information on the significant features and benefits of the policy to assist you to make informed decision on whether to buy this product. It may consist of more than one document.
Mondial Assistance, which is a trading name of ETI Australia Pty Ltd ABN 52 097 227 177 AFS Licence No 245631 of 74 High Street, Toowong, QLD 4066 is an Australian Financial Services Licensee authorised to deal in and provide general advice on general insurance products.
Mondial Assistance has been authorised by the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS License 234708 to act on its behalf to deal in and provide general advice on and handle and settle claims in relation to travel insurance products underwritten by Allianz.
Mondial Assistance has a binding authority which means that it can enter into, vary or cancel these travel insurance products and handle and settle claims made under them without reference to Allianz provided that it acts within the binding authority. When providing these services, Mondial Assistance acts for Allianz and does not act on your behalf.
Full details about the Authorised Representative are set out on the back cover of this Combined Financial Services Guide and Product Disclosure Statement. If the details of the Authorised Representative are not set out please ask your travel agent for these details.
Mondial Assistance has authorised the Authorised Representative to provide general advice on and deal in travel insurance products underwritten by Allianz on behalf of Mondial Assistance as its authorised representative. The Authorised Representative acts on behalf of Mondial Assistance and does not act on your behalf.
The distribution of this FSG has been authorised by Mondial Assistance.
It is important you understand and are happy with the travel insurance products that the Authorised Representative can arrange. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS carefully to ensure that it is suitable for you.
The Authorised Representative receives a commission which is a percentage of the premium that you pay for the travel insurance. It is only paid if you buy the policy and is paid monthly.
The employees and representatives of the Authorised Representative receive an annual salary including bonuses based on performance criteria which can include sales performance.
SureSave.Net Pty Ltd ABN 99 092 431 788 of Level 10, Bligh Street, Sydney, NSW 2000 Telephone 1300 787 376 (SureSave) has been appointed by Mondial Assistance to provide marketing, administration and distribution services. SureSave is remunerated when you buy a policy. This is calculated as a percentage of the premium you pay for the policy and is paid monthly. In addition an administration fee of $5 (inc GST) is paid by you to SureSave when you buy a policy.
The Authorised Representative is also remunerated when you buy a policy. It receives a percentage of the premium you pay for the policy. It is paid by SureSave from the remuneration that it receives. This is only paid if you buy the policy and is paid monthly.
Mondial Assistance is also remunerated for arranging and managing travel insurance services on behalf of Allianz. This amount is calculated as a percentage of the premium you pay for the policy and is paid monthly.
Employees of SureSave, the Authorised Representative and Mondial Assistance receive an annual salary and may receive bonuses based on performance criteria which can include sales performance.
If you would like more information about the remuneration that the Authorised Representative receives, please ask the Authorised Representative to provide it to you. If you would like more information about the remuneration that SureSave receives, please ring them on 1300 787 376. If you would like more details about the remuneration that Mondial Assistance receives please ring 1300 656 468. This request should be made within a reasonable period of time after this FSG is provided by the Authorised Representative and before the financial services are provided by the Authorised Representative.
If you have a complaint please tell Mondial Assistance. Mondial Assistance has an internal dispute resolution system designed to seek to resolve any complaints or disputes that may arise. To access it please contact Mondial Assistance on 1300 656 468 or put the complaint in writing and send it to PO Box 162, Toowong, QLD 4066.
If your complaint is still not resolved to your satisfaction, you may contact the Insurance Ombudsman Service Limited (IOS) which is an independent external dispute resolution body. For more information or to access the IOS process please call 1300 780 808.
You can give either SureSave or Mondial Assistance instructions using the contact details listed above. Please retain this document for your future reference.
This FSG was prepared on 1 May 2007.
This Product Disclosure Statement (PDS) includes the policy wording. A PDS is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy.
You can choose one of these 8 covers:
To properly understand this policy's significant features, benefits and risks you need to carefully read:
When you apply for the policy by completing our application we will confirm with you things such as the period of insurance, your premium, what cover options and excesses will apply, and whether any standard terms need to be varied (this may be by way of an endorsement).
These details are recorded in the Certificate of Insurance we issue to you.
This policy document sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss. You should also read “Claims” page 28 to understand how GST is applied to a claim.
If you have any queries or want further information about the policy, please contact Mondial Assistance.
You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of journey, number of persons covered, age, Pre-existing Medical Conditions and additional options. The higher the risk the higher the premium.
Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts will be set out separately in your Certificate of Insurance as part of the total premium
ETI Australia Pty Ltd, trading as Mondial Assistance has been authorised by Allianz Australia Insurance Limited (the Insurer) to enter into and arrange the policy and deal with and settle any claims under it, as the agent of the Insurer, not as your agent. ETI Australia Pty Ltd acts under a binder which means that ETI Australia Pty Ltd can do these things as if it were the Insurer and is referred to as “we”, “our” and “us” in this Product Disclosure Statement.
Even after you have purchased your policy, you have cooling off period/money back guarantee rights (see “Important Matters” page 22 for details).
We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, we may issue you with notice of this information in other forms or keep an internal record of such changes (You can get a paper copy free of charge by calling us).
This PDS was last updated on 1 May 2007 and remains valid until a further PDS is issued to replace it.
This is a Summary of Benefits - exclusions and conditions apply as detailed in the PDS. Not all Plans have all these benefits - the Schedule of Benefits identifies the benefits for each Plan. Please read the PDS carefully and in full.
Medical, emergency dental, hospital and ambulance costs and when agreed by us, medical evacuation home or to the nearest appropriate medical facility. Includes funeral and repatriation of mortal remains.
Financial loss due to unforeseen cancellation of prepaid travel and accommodation arrangements. Includes conference/course fees not refunded as well as travel agency cancellation fees charged.
Cover extends to pay the equivalent if you lose frequent flyer or equivalent points which you used to purchase your travel.
Expenses you incur due to you not being able to continue your travel due to the injury or illness of you or one of your travelling companions. Also expenses you incur if your transport is delayed due to severe weather or accident.
If you cannot return to your usual employment when your travel is completed due to an accidental injury suffered whilst you were away.
Cash payments if you are hospitalised.
Meals and accommodation expenses due to transport delay.
If the major part of your travel has been interrupted by you being hospitalised and you need to be escorted home, reimbursement of your return airfare.
Transport costs to resume your travel if you had to return to Australia due to the hospitalisation of a relative.
If your travel is interrupted and you will not get to a specified event in time, reasonable additional cost of using alternative public transport to arrive at the destination on time.
Cover for the rental vehicle excess if you have an accident or your vehicle is stolen, including costs to return a vehicle if you are unfit to do so.
Additional boarding fees if you are delayed from returning home due to something happening to you that is covered by this insurance, including veterinary fees if your pet is injured whilst you are away.
Additional transport and accommodation expenses if disaster strikes your home whilst you are away.
Loss of prepaid travel if you decide to end your travel following a hijacking incident.
If you are travelling on business and due to injury or illness you cannot complete your business commitments, costs to replace you with an alternative employee.
Additional costs you incur if the accommodation you are staying at is affected by industrial action or extended water and electricity supply failures.
Cover for loss, theft or damage to ski equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your ski equipment and if the resort you are staying at is closed, payment for alternative activities. Includes loss of prepaid lift passes, hire expenses and tuition fees if you cannot ski due to Sudden Illness or Serious Injury.
Cover for loss, theft or damage of golfing equipment, including whilst you are using them, plus hire costs of replacement equipment. Cover extends to the misdirection of your golf equipment. Includes loss of prepaid green fees, hire expenses and tuition fees if you cannot play golf due to Sudden Illness or Serious Injury.
Payment to your estate for accidental death.
Accidental loss, damage or theft of your possessions. Includes emergency expenses if your luggage is delayed and losses due to fraudulent use of lost or stolen credit cards, travellers cheques. Note: Exclusions apply to Luggage and Personal Effects stolen from a vehicle.
Additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.
Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.
Cover if you suffer injury resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more limbs.
Additional cover for your laptop, mobile phone, palm top and other business equipment including hiring replacement items. Includes costs to recreate business documents and presentations lost or damaged during your travel.
If you are under 81 for Plan A or under 76 for Plan D at date of policy issue and you are a citizen or resident of Australia, these Plans are available to you. Cover for travellers 81 years and over is available on application for Plan A.
Please refer to the Policy Wording for a full description of benefits and exclusions.
By taking the appropriate five day policy for your destination you can cover yourself now for the possibility of your trip being cancelled sum insured $2,000 single and $4,000 family (subject to policy conditions). When you pay your final balance the amount paid for the five day policy will be deducted from the total cost of your travel insurance for the trip.
| Single Sum Insured | Family Sum Insured | ||
|---|---|---|---|
| Single | Family | ||
| 1 & 2B | Medical/Additional Expenses/Medical Evacuation | Unlimited | Unlimited |
| 1 | Emergency Dental | $1,000 | $1,000 |
| 2A | Cancellation Costs | Unlimited | Unlimited |
| 2C | Loss Of Income (sub-limit of $1,500 per month) | $10,000 | $20,000 |
| 2D | Out Of Pocket Expenses (sub-limit of $50 per day) | $6,000 | $12,000 |
| 2E | Travel Delay (sub-limit of $200 per 12 hours delay) | $2,000 | $4,000 |
| 2F | Return Airfare | $6,000 | $12,000 |
| 2G | Resumption Of Trip | $3,000 | $6,000 |
| 2H | Special Events | $2,000 | $4,000 |
| 2I | Rental Vehicle Excess | $4,000 | $4,000 |
| 2J | Return Of Rental Vehicle | $1000 | $1000 |
| 2K | Domestic Pets | $500 | $500 |
| 2L | Trip Disruption | $2,000 | $4,000 |
| 2M | Hijacking | $2,000 | $4,000 |
| 2N | Alternative Staff | $3,000 | $3,000 |
| 2O | Withdrawal Of Services | $500 | $500 |
| 2Q | Snow Skiing Piste Closure | $500 | $1,000 |
| 2R | Snow Skiing and/or Golfing Benefits | $200 | $400 |
| 2S | Snow Skiing and/or Golfing Equipment Replacement | $200 | $400 |
| 2T | Domestic Services | $500 | $500 |
| 3A | Accidental Death | $25,000 | $50,000 |
| 3B | Total Permanent Disability | $12,500 | $25,000 |
| 4 | Luggage & Personal Effects (sub-limits on laptop, notebook and hand held computers, video cameras and cameras up to $4,000 all other items $700) | $12,000 | $24,000 |
| 5 | Personal Liability | $2,500,000 | $2,500,000 |
| Additional Business Benefits Option (Available on Plan A only) | |||
| 6.1 | Business Equipment | $5,000 | $5,000 |
| 6.2 | Hire Business Equipment | $1,000 | $1,000 |
| 6.3 | Recreate Business Documents | $1,000 | $1,000 |
You can purchase the additional Business Benefits Option by paying an additional 15% on your Plan A Premium.
A 12 month policy for the frequent traveller. All Journeys under 38 days for a leisure journey & 90 days for a business journey are automatically covered and accompanying partner and children as well. Family Benefits apply, 1 through to 5 and 6.1 to 6.3. Plan D covers all international and Australian domestic travel.
For Plan A and D there is a $100 excess.
For Plan A and D you can remove the excess by paying an additional $15. Tick the box on the application form to take up the extra cover.
If you are under 81 at date of policy issue and you are a citizen or resident of Australia, these Plans are available to you. Cover for travellers 81 years and over is available on application. Australia Only travel is available to all persons travelling within Australia and who are citizens or residents of Australia.
Please refer to the Policy Wording for a full description of benefits and exclusions.
| Plan J – Australia Only | Sum Insured | Sum Insured | |
|---|---|---|---|
| Single | Family | ||
| 2A | Cancellation Costs | $10,000 | $20,000 |
| 2B | Additional Expenses/Medical Evacuation | $10,000 | $20,000 |
| 2I | Rental Vehicle Excess | $4,000 | $4,000 |
| 2J | Return of Rental Vehicle | $500 | $500 |
| 2Q | Snow Skiing Piste Closure | $500 | $1,000 |
| 2R | Snow Skiing and/or Golfing Benefits | $200 | $400 |
| 2S | Snow Skiing and/or Golfing Equipment Replacement | $200 | $400 |
| 3A | Accidental Death | $10,000 | $20,000 |
| 4 | Luggage & Personal Effects (sub-limits on laptop, notebook and hand held computers, video cameras and cameras up to $4,000 all other items $700) | $4,000 | $8,000 |
| 5 | Personal Liability | $1,000,000 | $1,000,000 |
| Plan KA – Australia Only Advance Purchase (Standard) | |||
| 2A | Cancellation Costs | $2,500 | $5,000 |
| 2B | Additional Expenses/Medical Evacuation | $1,000 | $2,000 |
| Plan KB – Australia Only Advance Purchase (Basic) | |||
| 2A | Cancellation Costs | $1,000 | $2,000 |
| 2B | Additional Expenses/Medical Evacuation | $1,000 | $2,000 |
| Plan NZ1 – New Zealand Only Advance Purchase (Standard) | |||
| 2A | Cancellation Costs | $2,500 | $5,000 |
| 2B | Additional Expenses/Medical Evacuation | $1,000 | $2,000 |
| Plan NZ2 – New Zealand Only Advance Purchase (Basic) | |||
| 2A | Cancellation Costs | $1,000 | $2,000 |
| 2B | Additional Expenses/Medical Evacuation | $1,000 | $2,000 |
| Excess | |||
| There is no excess for Plans J, KA, KB, NZ1 & NZ2. | |||
This plan is available if you are under 76 at date of policy issue, irrespective of Citizenship or Residency.
Please refer to the Policy Wording for a full description of benefits and exclusions.
| Plan L – Long Term (Budget) Travel | Sum Insured Single | Sum Insured Family | |
|---|---|---|---|
| 1 & 2B | Medical/Additional Expenses /Medical Evacuation | $50,000 | $100,000 |
| 1 | Emergency Dental | $1,000 | $1,000 |
| 2A | Cancellation Costs | $20,000 | $40,000 |
| 2D | Out of Pocket Expenses (sub-limit of $50 per day) | $6,000 | $12,000 |
| 2E | Travel Delay (sub-limit of $200 per 12 hours delay) | $1,000 | $2,000 |
| 2F | Return Airfare | $3,000 | $6,000 |
| 2G | Resumption of Trip | $3,000 | $6,000 |
| 4 | Luggage (sub-limit of $250 per item) | $2,500 | $5,000 |
| 5 | Personal Liability | $2,500,000 | $2,500,000 |
Where the word “Australia” appears in the policy wording, the policy holder's Country of Residence is to be substituted (except in relation to the section headed “Jurisdiction and Choice of Law” page 22).
This Policy does not cover any event or occurence where providing such cover would constitute 'health insurance business' as defined under the National Health Act, 1953 (Cth). If you require clarification contact SureSave on 1300 787 376 before you apply.
Travellers to Australia to select their country of origin for their amount payable, Plan L.
Policies must be issued no later than 21 days after travellers arrival in Australia.
Cover does not apply for medical expenses in your Country of Residence. Pre-existing Medical Conditions Cover is not available on Plan L except as specified on pages 17 to 21.
Cover extends to include if you work during your travel or participate in adventure activities organised by a licensed operator.
There is a $100 excess for Plan L that is non-removable.
For Plan L you have an option to purchase rental vehicle excess cover up to $2,000 in $500 units, at a cost of $25 per $500 unit.
Age limits as at date of certificate issue.
Plans A, J, KA, KB, NZ1 & NZ2 -
Available to travellers aged under 81 years of age.
Plans D & L - Available to travellers aged under 76 years of age.
Age Loadings apply for all travellers over 70 years of age.
A medical declaration form is required to be submitted for assessment before a policy can be offered. We have the absolute right to accept or decline cover, or impose special conditions such as an excess or reduced benefits.
Extensions of your insurance policy are available unless:
Extensions of your insurance cover are available calculated at the current rates for the relevant plan at the time of the extension.
We allow the following bonus days (free days) on the following durations:
You can purchase the additional Business Benefits Option by paying an additional 15% on your Plan A Premium.
You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects unsupervised in a public place we will not pay your claim. (For an explanation of what we mean by “Luggage and Personal Effects”, “Unsupervised” and “Public Place” see pages 29 to 30).
For Plans A, J and D a $4,000 limit applies to your rental vehicle excess cover. You can purchase additional amounts in $500 units up to $2,000. Cost is $25 per $500 unit.
For Plan L you have an option to purchase rental vehicle excess cover up to $2,000 in $500 units, at a cost of $25 per $500 unit.
This section outlines the cover available for medical expenses or cancellation costs arising from, or related to, pregnancy. There is no need to complete a medical declaration form for the cover detailed in the table below. In any event we will not pay medical expenses for:
No cover is available for your pregnancy if your journey extends past the 26th week for a single pregnancy or past the 19th week for a multiple pregnancy.
| YOUR PREGNANCY | OUTCOME |
|---|---|
| You have a single, uncomplicated pregnancy, which did not arise from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation | Cover is available under the Standard/Basic Plan for journeys ending on or before 26 weeks gestation |
| You have a single uncomplicated pregnancy, which arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation | Cover is available if you pay an additional premium under a Pre-existing Medical Condition Plan for journeys ending on or before 26 weeks gestation |
| You have a multiple uncomplicated pregnancy, which does not arise from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation | Cover is available if you pay an additional premium under a Pre-existing Medical Condition Plan for journeys ending on or before 19 weeks gestation |
| You have a multiple pregnancy, which arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation | Cover is not available under any Plan |
| You have experienced any pregnancy complications prior to your policy being issued | Cover is not available under any Plan |
Complications are defined as “Any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.” Please also read the General Exclusions to all Sections on page pages 31 to 33 and Exclusions to Sections 1, 2 and 3 on pages 41 and 42.
Travel Insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover.
If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency which can be prohibitive in some countries.
A Pre-existing Medical Condition means:
If you are aged 81 years or over, the following section does not apply to you. You must complete the '81 Years and Over Medical Declaration form'; available from your travel agent or online at www.suresave.com.au. We have the absolute right to accept or decline cover, or impose special conditions such as an excess or reduced benefits.
If you have a Pre-existing Medical Condition and you want cover for that condition, read the following information. If you have any questions, please contact us on 1800 023 522.
We will not pay any costs or expenses arising directly or indirectly from any of the following Pre-existing Medical Conditions, e.g. cost of medical care while overseas, or cost of cancellation of your travel plans due to a change in health.
Travel insurance is available to you, however there is no provision to claim for any of the medical conditions as listed in the above Group 1.
You are automatically covered if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months.
We do not require any further information or a Medical Declaration form if your condition is described in this list, and has not caused hospitalisation in the past 24 months:
If Hospitalisation has occurred, or your condition does not meet the description above, cover is not automatic. You are required to submit a completed Medical Declaration Form, as explained in Group 3.
If your Pre-existing Medical Condition does not fall within Group 1 or 2 and you would like to apply for cover for your Pre-existing Medical Condition, we will require you to complete a Medical Declaration form and send it to us for consideration. We will respond within 1 business day.
Medical conditions involving the heart and blood vessels are collectively called cardiovascular disease (CVD). All such conditions are interrelated. If you have ever needed to see a specialist cardiologist, or been diagnosed with a form of CVD such as (but not limited to):
and you do not purchase adequate cover for CVD, you may not be covered for any claims relating to the heart/cardiovascular system (including heart attacks and strokes).
If any of these conditions are expressly excluded from the policy, all CVD is excluded.
If you have ever been diagnosed with a chronic lung disease including (but not limited to) Emphysema and Chronic Bronchitis, Bronchiectasis, Chronic Obstructive Airways Disease (COAD) or Chronic Obstructive Pulmonary Disease (COPD) and you do not purchase adequate cover for your respiratory disease, you may not be covered for any claims relating to a new airways infection.
If a chronic lung condition is expressly excluded under your policy, all new infections are also excluded.
If you have a Pre-existing Medical Condition and:
(i) you do not apply for cover (or you apply for cover and we do not agree to provide cover); or
(ii) you do not pay the relevant additional premium,
we will not pay any claims arising from or related to your Pre-existing Medical condition.
Refer to the Exclusions to Sections 1, 2, 3 and the General Exclusions of your policy.
You cannot apply for cover for conditions outlined in Group 1 (pages 18 and 19 of your policy).
You are only covered for claims which arise from a Pre-existing Medical Condition suffered by a relative that is hospitalised or dies in Australia after the policy is issued and at the time of the policy issue you were unaware of the likelihood of such hospitalisation or death. The most we will pay in respect of all claims under all the sections of the policy is $2,000 for a Single Plan and $4,000 for a Family Plan.
We do not offer any cover at all under Plan L for any Pre-existing Medical Conditions expect as specified in Group 2.
A Medical Declaration form is available from your travel agent or online at www.suresave.com.au. In most cases it can be completed entirely by you. In some cases we will also need a Doctor's Declaration to be completed by your regular treating doctor, but this is explained in more detail in the Medical Declaration form.
This is your policy. Before you purchase it, please read it carefully. Make sure you understand it and that it meets your needs. If you are satisfied with the cover please retain this policy in a safe place. Once you have selected your level of cover and paid the premium shown, we will provide you with a Certificate of Insurance, which will entitle you to claim under the policy up to the amount stated in the Policy. You are free to arrange insurance with any other Insurer of your choice.
This policy is issued and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License 234708 (the Insurer). It is your Insurer and is referred to as 'we' 'our' and 'us' in the policy document.
ETI Australia Pty Ltd is authorised by the insurer to enter into and arrange the policy and deal with and settle any claims under it, as agent of the insurer, not as your agent.
Mondial Assistance is a trading name of ETI Australia Pty Ltd, it administers all emergency assistance services and benefits of this insurance. You may contact Mondial Assistance in an emergency 24 hours a day, 7 days a week.
This 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.
Under Plans A, D, J, KA, KB, NZ1 and NZ2, cover is available for Citizens or Residents of Australia only. For Plan L, cover is available irrespective of your citizenship or residency.
If you decide that you do not want this policy, you may cancel it within 14 days after the issue of the Certificate of Insurance to you and you will be given a full refund of the premium you paid, provided you have not started your trip and you do not want to make a claim or to exercise any other right under the policy.
After this period you can still cancel your policy but we will not refund any part of your premium if you do.
To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), call SureSave on 1300 787 376.
Before you enter into this policy, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy. You will be asked various questions when you first apply for your policy. When you answer these questions, you must:
If you vary, extend, reinstate or replace your policy your duty is to tell us before that time, every matter known to you which:
You do not need to tell us about any matter that:
Everyone who is insured under the policy must comply with the duty of disclosure.
If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.
We proudly support the General Insurance Code of Practice.
The Code sets out the minimum standards of practice in the general insurance industry. For more information on the Code please contact Mondial Assistance on 1300 656 468.
Should you have a complaint or dispute arising out of this insurance, or our employees, authorised representatives or service providers please contact Mondial Assistance on 1300 656 468. We will respond to your complaint within 15 business days, provided we receive all necessary information and have completed any investigation required. If we need more time, we will agree on a reasonable alternative timeframe.
We will keep you informed of the progress of our response to your complaint. When we provide our response we will also provide information on how our response can be reviewed by a different employee, who has appropriate experience, knowledge and authority.
If you want our response reviewed we will treat the matter as a dispute and provide you with the contact details of our employee, who will respond in writing within 15 business days (provided we receive all necessary information and have completed any investigation required).
If we need more time, we will agree on a reasonable alternative timeframe, failing which you can report your concerns to the Insurance Ombudsman Service Ltd (IOS). We will keep you informed of the progress of our review at least every 10 business days.
We will give you reasons for our decision. If this does not resolve the matter, you may contact the IOS, the industry's independent external complaints scheme:
Insurance Ombudsman Service Ltd
PO Box 561, Collins Street West, Melbourne Vic 8007
Phone: 1300 780 808 (National Toll Free)
Phone: (03) 9613 6300 Fax: (03) 9621 2060.
If you are admitted to hospital or you anticipate you will incur medical costs, you must immediately contact Mondial Assistance on the emergency assistance number. For information about Mondial Assistance's worldwide 24 hour emergency assistance network, see page 26.
If you need to make a claim, follow the instructions below and at Page 27 and 33.
Claim Forms are available:
For claims purposes, evidence of purchase and the value of the property insured or the amount of any loss must be kept.
Please complete the claim form in full (answering all questions) to allow your claim to be processed. You must attach all supporting ORIGINAL documents, reports, receipts, valuations, other proof of ownership and value, any amount of any loss and any other information relevant to your claim to the claim form and send to the address below.
SureSave Travel Claims
MONDIAL ASSISTANCE
PO BOX 162 TOOWONG QLD 4066
Phone from overseas reverse charge 61 7 3305 7499
Phone within Australia 1800 010 075
www.travelclaims.com.au/suresave
Your claim will be processed within 10 business days of us receiving a completed claim form and all necessary documentation. If we need additional information, a written request will be sent to you within 10 business days.
To arrange and manage your travel insurance, we (in this Privacy Notice “we”, “our” and “us” includes the Authorised Representative) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary). Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third party and for any other purposes with your consent.
This personal information may be disclosed to (and received from) third parties in Australia or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.
When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:
We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information. You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your Dependants under 16 years.
If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why.
We will not pay the first $100 (the excess) for any one event, except in relation to a claim under Sections 2D-2T and 3A and 3B. There is no excess for Plans J, KA or KB, NZ1 and NZ2. You can pay to remove the standard excess from Plans A and D by paying an additional $15.
You cannot pay to remove the excess from Plan L “Long Term Travel”, or ski or golfing equipment whilst in use.
Mondial Assistance has trained medical staff to assist you with emergency medical assistance. You must contact us immediately in the event of you becoming ill or have an accident.
For emergency assistance anywhere in the world at any time, Mondial 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 hospitalised you, or a member of your Travelling Party, MUST contact Mondial Assistance as soon as possible.
If you do not we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us (see Section 1).
If you are not hospitalised but you are being treated as an outpatient, and the total cost of such treatment will exceed AUD $2,000, you MUST contact Mondial Assistance immediately.
As soon as you become ill, contact us and our medical assistance team will help direct you to the appropriate hospital or heath care facility. Subject to medical advice, you must take our advice as to where you can be treated to ensure you receive quality medical care. We also have the option of returning you to Australia or evacuating you to another country, if the cost of your overseas medical expenses could exceed the cost of returning you to Australia.
You must give us notice of your claim as soon as possible by completing the claim form supplied by our Clients Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim.
If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership.
You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require.
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.
In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval.
If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings. If you are aware of any third party that you or us may recover money from, you must inform us of such third party.
If you can make a claim against someone other than under an insurance policy in relation to a loss or expense covered under this policy and they do not pay you the full amount of your claim, we will make up the difference. You must claim from them first.
Depreciation will be applied to claims for Luggage or Personal Effects at such rates as reasonably determined by Mondial Assistance.
If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other Insurer. You must give us any information we reasonably ask for to help us make a claim from your other Insurer.
We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as 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:
Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.
If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.
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 this policy.
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. All information will be treated as confidential and protected to the full extent under law. Report insurance fraud by calling 1800 453 937.
Some words in your policy that have special meanings are defined here.
Accident means an unexpected, unintended, unforeseeable event causing injury. The Accident must happen while you are on a trip and covered under the policy.
AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).
Amount Payable means the total Amount Payable for the policy in accordance with the rates set out in the schedule of benefits. It includes administration fees payable to the Agent, stamp duty, policy issue fee, GST if applicable and the premium payable to the Insurer.
Applicable Limit means the sum insured specified in the schedule of benefits for the Plan selected on the Travel Insurance Policy.
Carrier or Carriers means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purposes of transporting passengers. This definition excludes taxis.
Chronic means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be 'constant' pain, however in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long-lasting, recurrent (occurred on more than 2 occasions) or characterised by long suffering.
Country of Residence means the country of which you are a citizen or permanent resident.
Dependant means your children or grandchildren not in full time employment who are under the age of 21 and are travelling with you on the journey.
Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.
Family means you and your travel partner named in the Certificate of Insurance and your dependant children/grandchildren under the age of 21, at the date of policy issue, travelling with you, listed as covered on your Certificate of Insurance.
Home means your usual place of residence in Australia.
Injury means a bodily Injury caused solely and directly by violent, accidental, visible and external means, during your period of cover and which does not result from any illness, sickness or disease.
Insolvency means bankruptcy, provisional liquidation, liquidation, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.
Journey means the time from when you leave your home to go directly to the place you depart from on your travels and ends when you return to your home.
Luggage and Personal Effects means any personal items owned by you and that you take with you or buy on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.
Overseas means in any country other than your Country of Residence.
Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.
Pre-existing Medical Condition means:
This definition applies to you, your travelling companion or a relative.
Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.
Reasonable means for medical or dental expenses, the standard level of care given in the country you are in OR, for other expenses, the standard level you have booked for the rest of your journey OR, as determined by us.
Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or a member of your Travelling party's spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.
Rental vehicle means a rented sedan, campervan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.
Single means covering you and your dependant children/grandchildren under the age of 21, at the date of policy issue travelling with you listed as covered on your Certificate of Insurance.
Sudden Illness or Serious Injury means a condition which first occurs during your period of cover and which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to which this Insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue with your original trip.
Travelling Party means those people defined in Family and any travelling companion who has made arrangements to accompany you for at least 50% of the Trip.
Trip means the period of travel stated in the Certificate of Insurance.
It begins on the date of departure as stated in the Certificate of Insurance and ends when you return to your normal place of residence, or when the period of the Trip set out in the Certificate of Insurance ends, whichever happens first.
Unsupervised means:
We, our, us, means the insurer of your policy, Allianz Australia Insurance Limited, through it's agent ETI Australia Pty Ltd.
You or Your means the person or people named in the Certificate of Insurance as well as their accompanying dependant children/grandchildren who are under 21 years of age at the date of policy issue.
We will not pay for any of the following claims or losses:
You only have this cover if you chose Plan A, D or L.
Please note We will not pay for any costs incurred in your Country of Residence. The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D, J, KA, KB, NZ1, NZ2 or L.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D, L, J, KA, KB, NZ1 or NZ2.
This Section only covers you for reasonable additional travel or accommodation expenses that result directly from one of the following events:
We will pay you if you have to interrupt your Trip after it has begun, for your necessary additional travel, accommodation, repatriation and meals that you undertake with our consent. Travel expenses for your return home or evacuation, are only covered if the attending physician advises us in writing that as a result of Sudden Illness or Serious Injury you are unfit to continue the Trip. The following rules apply:
You only have this cover if you chose Plan A or D.
We will pay you your average gross income less normal legal deductions for up to 6 months, calculated from the return date on the Certificate of Insurance if, as a result of suffering an Injury during the Trip, you become totally unable within 30 days after that Injury to attend to your usual full-time occupation or business when you return to Australia. However, we will not pay in respect of the first 30 days after you originally planned to resume your work. This benefit is not applicable to accompanying dependant children/grandchildren. The maximum we will pay is $1,500 per month on Plan A and $3,000 per month on Plan D.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or L.
We will pay you $50 for each day you are necessarily confined to hospital overseas provided that the period of confinement exceeds 48 hours because of a Sudden Illness or Serious Injury that happens or first shows itself during the Trip.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or L.
We will pay you up to $2000 for a Single Plan ($4,000 for a Family Plan) (sub limit of $200 per 12 hour delay) for the cost of reasonable additional meals and accommodation if, for a reason outside your control, your scheduled transport from Australia or Overseas is delayed for at least 6 hours, for each subsequent 12 hours (or part of that time) of delay.
You must give us your receipts, and written confirmation of the delay from the carrier.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or L.
We will pay you towards the cost of your original air ticket (less any refund that is due to you) if, because of a Sudden Illness or Serious Injury that happens during your Trip the attending registered medical practitioner or carrier requires you to be brought back to Australia with a medical escort. However, we will only do so if we bring you back when either:
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or L and you are not making a claim under Section 2A.
If you return to your home in Australia because, during your Trip, a relative in Australia or New Zealand dies unexpectedly or is hospitalised following a Sudden Illness or Serious Injury, we will reimburse you up to $3,000 for a Single Plan ($6,000 for a Family Plan) towards return airfares to continue your Trip within 12 months of return to Australia.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A or D.
If your Trip is interrupted by any fortuitous cause outside of your control and you are unable to arrive at your destination by the time originally scheduled – for the purpose of attending a pre-arranged wedding, funeral, conference, or sporting event which cannot be delayed as a consequence of your late arrival – We will reimburse you for the reasonable additional cost of using alternative public transport to arrive at the destination on time.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or J.
You also have this cover under Plan L if you purchased Rental Vehicle Excess Options.
We will pay you for the Rental Vehicle insurance excess if you rent a vehicle which is damaged, stolen or if it is involved in an accident. We will only pay if you have a written rental agreement from a licensed rental company. This benefit does not cover motorcycles.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected, except for Plan L, where the maximum amount we will pay if you purchased the Rental Vehicle Excess Option is $2,000 and you must provide us with a copy of the repair account and/or quote and rental company agreement/documentation.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D, or J.
You also have this cover if you purchased Rental Vehicle Excess Options for Plan L.
We will pay the cost of returning your Rental Vehicle to the nearest depot if your attending registered medical practitioner or dentist certifies in writing that you are unfit to do so during your Trip.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A or D.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You Only Have This Cover If You Chose Plan A or D.
We will pay your reasonable additional transport and accommodation expenses if your Trip is disrupted due to your usual place of residence in Australia being destroyed by a natural disaster or a fire.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A or D.
We will pay if you want to cancel your Trip and return home after the scheduled transport service on which you are travelling is hijacked. We will pay you your prepaid travel and accommodation that you do not use, less any refunds due to you.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan D.
We will pay the reasonable costs for a replacement employee to complete the assignment for which you originally travelled if, as a result of a Sudden Illness or Serious Injury to you for which a claim is valid under Section 1 of this Policy, a registered medical practitioner and we deem it necessary that you return to your place of residence in Australia.
The replacement employee will for the purposes of this travel insurance will be entitled to benefits under this Policy but subject to the conditions, limitations and Exclusions of the Policy and the replacement employee must comply with the requirements of the Duty of Disclosure.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A or D.
We will pay you $50 per day when the unforeseeable withdrawal of any of the following services for 48 hours continuously during your Trip at the pre-booked accommodation at which you are staying occurs:
You must produce a written report from the accommodation manager where you are staying in support of your claim.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, J or D.
We will pay you $100 for a Single Plan ($200 for a Family Plan) for each day that the skiing facilities at the resort you have pre-booked before your Trip commenced and that you are staying in, is totally closed due to adverse snow conditions. The most we will pay is $500 for a Single Plan ($1,000 for a Family Plan).
You must obtain a detailed written report from the resort management in support of your claim.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, J or D.
We will pay you the proportional amounts of irrecoverable prepaid charges you have paid for (or contracted to pay before the Trip commenced);
You must obtain a medical certificate from a registered medical practitioner in support of your claim for your Sudden Illness or Serious Injury.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, J or D.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A or D.
We will pay you for any reasonable domestic services provided by a registered domestic service business up to a maximum of $500 if You have been repatriated to Australia by Us and your Sudden Illness or Serious Injury restricts your ability to perform domestic duties. These reasonable domestic services and costs must be approved by Us.
For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A, D or J.
We will pay your estate the Applicable Limit, if you die within twelve (12) months as the direct result of an Injury that happens to you during your Trip. However, there is no cover for your dependant children/grandchildren under the age of 21, who are travelling with you. Under a Family Plan, We only pay the Single Plan limit for any one person.
We will also pay your estate the applicable Limit if you are presumed dead and your body is not found within 12 months after the conveyance you were travelling in disappears, sinks, is wrecked or crashes.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
You only have this cover if you chose Plan A and D.
If during the Journey you suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more Limbs within one year of the date of the accident.
We will pay You the amount shown in the Plan purchased. The maximum limit in respect of Accompanied Children is $10,000 for each child.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. For What We Will Not Pay in this Section please refer to Exclusions to Sections 1, 2 and 3 pages 41 to 42 and General Exclusions to all sections pages 31 to 33.
We will not pay a claim that arises because of any of the following:
You must check General Exclusions Applicable to All Sections pages 31 to 33 for other reasons why we will not pay.
You only have this cover if you chose Plan A, D, J or L.
We will pay You for each of the following:
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected. We will also pay up to the limits (s) shown in your Certificate of Insurance for any additional cover purchased, as nominated by you and for which the applicable premium has been paid. The General Exclusions Applicable to All Sections of the policy apply regardless of the limit of additional Luggage and Personal Effects cover purchased.
We will not pay for a claim that arises because of any of the following:
You must check General Exclusions Applicable to All Sections pages 31 to 33 for other reasons why we will not pay.
You have this cover if you chose Plan A, D, J or L.
We will pay you for any amount due to your legal liability up to the maximum benefit to pay damages or compensation because your negligence during your journey causes:
We will also reimburse your reasonable legal costs and legal expenses for settling or defending the claim made against you. We decide whether the costs were reasonable. You must not accept any liability without our prior approval.
The maximum amount we will pay for all claims combined under this section is shown under the Schedule of Benefits for the Plan you have selected.
We will not pay for a liability:
You must check General Exclusions Applicable to All Sections pages 31 to 33 for other reasons why we will not pay.
You only have this cover if you purchase the additional Business Benefits option for Plan A or if you purchase Plan D.
We will not pay for loss, or theft of, or damage to:
You must check General Exclusions Applicable to All Sections pages 31 to 33 for other reasons why we will not pay.