Period of insurance

The period You are insured for is set out on Your Certificate of insurance and varies depending on the length of Your Trip and the Policy type that You have purchased.

If You have purchased Your Policy before You departed Australia:

For Comprehensive, Snow Sports Plus, Standard Saver and Domestic Plus Policies:

• The cover for Benefit 5: Trip Cancellation Expenses begins from the time the Policy is issued.
• Cover for all other benefits begins on the date of departure as stated on Your Certificate of insurance.

For Basics Policies:

• Cover for all benefits begins on the date of departure as stated on Your Certificate of insurance.

For Frequent Traveller Saver Policies:

• The cover for Benefit 5: Trip Cancellation Expenses begins from the start date as specified on Your Certificate of insurance.
• Cover for all other benefits begins on the date of departure for each Trip.

If Your Policy was purchased while You are already Overseas:

• There is no cover under any benefit for the first 48 hours from the time the Policy is issued. This is Your “no-cover period”. This means there is no cover Arising from events that happen within the 48 hour no-cover period for all benefits under the Policy, except under Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses and Benefit 28: COVID-19 Trip Cancellation and Disruption, where there is a 72 hour no-cover period from the time the Policy is issued.
• Cover for all benefits begins immediately following Your no-cover period.

For all Policies:

• Cover ends on the date of return set out on Your Certificate of insurance, or the time the Policy otherwise ends in accordance with its terms, whichever happens first. The state listed on Your Certificate of insurance determines the time zone We use to determine Your Policy's purchase date, departure date and end date.
• If You return Home early for any reason, cover from Your Policy will be suspended from the time You return to Your Home until the time You leave Your Home to continue Your Trip. You must have at least 14 days remaining of the Period of insurance as noted on Your Certificate of insurance. Following the resumption of Your Trip Your Policy will remain valid until the end date shown on Your Certificate of insurance or Your permanent return Home, whichever comes first. We will not pay any costs in relation to Your return to Australia unless the costs are covered by this Policy.
• If You return Home early for any reason and do not intend to do any further travel, We will not refund the unused portion of Your Policy.