Extending Your cover
Except as described below, You can apply to extend Your cover for Your Trip by contacting Us on or before Your original Policy expiry date. We will determine whether to extend Your Policy by (acting reasonably) considering all information available to Us at the time of the request. An additional premium may apply if We agree to extend Your cover for Your Trip.
Where Your Trip is necessarily extended due to an unforeseeable circumstance outside of Your control, cover may be extended free of charge until You are able to travel Home by the quickest and most direct route or for a period of six (6) months, whichever happens first. Please contact Us (see below) as the free extension must first be approved by Us.
Unless approved by Us, cover will not be extended:
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For any new Medical condition You suffered during the term of Your existing Policy or change to any Medical condition which is listed on Your Certificate of insurance as a covered Medical condition, or Pregnancy condition, if We reasonably determine that You should return to Australia for treatment (based on the information that is available to Us at the time) and You do not agree to do so, or;
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For any new Medical condition You suffered during the term of Your existing Policy or change to any Medical condition which is listed on Your Certificate of insurance as a covered Medical condition, or Pregnancy condition, unless:
- You agree to take a further screening process, We agree to provide cover and You pay the additional premium (if applicable), and;
- You agree that any ongoing medical treatment/advice, medication, test, investigation and/or related expense beyond the original return date that You or a reasonable person is aware of, will not be covered.
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Where You have not advised Us of any circumstances that have given (or may give) rise to a claim under Your original Policy; or
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Where at the time of extension You are aged 90 years or over.
Where We have agreed to extend cover, We will issue You with a new Certificate of insurance. The Period of insurance on Your original Certificate of insurance and Your new Certificate of insurance cannot exceed a maximum combined period of 24 months.