What You pay

The premium You pay is shown on the Certificate of insurance. We tell You the premium payable when You purchase the Policy and if You vary or extend cover. The premium payable can also be affected by any Changes in health that occur after Your Policy issue date and before You start Your Trip. The premium is calculated based on a number of factors, including the Policy You have chosen, Your age, where You are going to, the length of Your Trip, the time between purchase and departure, any covered Medical condition, Pregnancy condition, plus any options You have chosen. The amount You pay includes allowances for government fees, taxes and charges (including stamp duty and GST) and may include administration fees, which, if charged, will be listed on the Certificate of insurance.