Benefits

This section outlines what “We will pay” and what “We will not pay” under each benefit in the event of a claim.

Each benefit includes a Benefit Summary that identifies which Policies the benefit applies to, sets out the benefit limits and Sub limits, and details any changes to Age-related limits and Excesses. Your Policy type will appear on Your Certificate of insurance.

Cover is only provided where the relevant covered event occurs during the Period of insurance and is subject to the terms and conditions of the Policy.

Benefit 1: Overseas 24/7 Emergency Medical Assistance

This benefit provides You with medical support services arranged by Our Emergency Assistance team and/or first approved by Us if You experience a medical emergency while You are Overseas in the circumstances as explained below.

Benefit 2: Overseas Emergency Medical and Hospital Expenses

This benefit provides cover for Your unexpected medical and Hospital expenses incurred while You are Overseas due to the circumstances as explained below.

Benefit 3: Overseas Emergency Dental

This benefit provides cover for unexpected dental expenses while You are Overseas due to the circumstances as explained below.

Benefit 4: Overseas Emergency Medical Evacuation and Repatriation

This benefit provides cover for Your additional accommodation expenses, medical evacuation and repatriation to Australia in the circumstances as explained below.

Benefit 5: Trip Cancellation Expenses

This benefit reimburses You for Your non-refundable pre-paid Trip bookings (e.g. flights, accommodation or tours), as explained below.

Benefit 6: Trip Disruption Expenses

This benefit reimburses You for reasonable additional travel and accommodation expenses which You incur whilst You are still on Your Trip if it is interrupted due to circumstances as explained below.

Benefit 7: Trip Resumption Expenses

This benefit provides cover for You to continue Your Trip after it was interrupted due to circumstances as explained below.

Benefit 8: Overseas Hospital Cash Payment

This benefit reimburses You for Your extra expenses as explained below, if You have been hospitalised during Your Overseas Trip.

Benefit 9: Accidental Death

This benefit pays a lump sum payment to Your estate if You pass away during Your Trip due to the circumstances as explained below.

Benefit 10: Permanent Disability

This benefit pays You a lump sum payment if You become Permanently disabled due to circumstances as explained below.

Benefit 11: Loss of Income

This benefit is a weekly payment if You are unable to return to Your usual occupation in Australia, due to the circumstances as explained below.

Benefit 12: Passports, Credit Cards & Credit Card Fraud

This benefit reimburses You for expenses You incur to replace Your travel documents on Your Overseas Trip due to the circumstances as explained below.

Benefit 13: Theft of Cash

This benefit reimburses You for cash that is stolen from You due to the circumstances as explained below.

Benefit 14: Luggage and Personal Effects

This benefit provides cover for damage, loss or theft of Your own personal items which You take with You on Your Trip in the circumstances as explained below.

Benefit 15: Delay of Luggage and Personal Effects

This benefit reimburses You for the necessary expenses You incur if Your Luggage and personal effects are delayed, misdirected or misplaced in the circumstances as explained below.

Benefit 16: Travel Delay Expenses

This benefit reimburses You for additional expenses You incur, because Your pre-booked Carrier is cancelled and rescheduled, or delayed due to circumstances as explained below.

Benefit 17: Special Event Transport Expenses

This benefit provides cover if Your scheduled transport is unable to convey You to Your Special event on time in the circumstances as explained below.

Benefit 18: Personal Liability

The Personal Liability benefit provides cover for expenses incurred in the circumstances as explained below.

Benefit 19: Rental Vehicle Excess

This benefit covers the Rental vehicle excess component of the Rental vehicle insurance that You have with Your car hire company in the circumstances as explained below.

Benefit 20: Snow Sports Equipment

This benefit provides cover for Your ski or snowboard equipment in the circumstances as explained below.

Benefit 21: Snow Equipment Replacement Hire

This benefit reimburses You for the cost to hire Snow sports equipment in the circumstances as explained below.

Benefit 22: Snow Prepaid Expenses

This benefit reimburses You for the unused portion of Your pre-booked and pre-paid Snow sports expenses due to the circumstances as explained below.

Benefit 23: Snow Resort Closure

This benefit reimburses You for the cost of transport and lift passes at an alternate ski resort due to the circumstances as explained below.

Benefit 24: Adventure Pack

This benefit provides optional cover in the circumstances as explained below, for the adventurous activities listed below.

Benefit 25: Motorcycle Pack

This benefit provides optional cover for riding or being a passenger on a Motorcycle, Moped or scooter in the circumstances as explained below.

Benefit 26: Bicycle Pack

This benefit provides optional cover for Your bicycle in the circumstances as explained below.

Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses

This benefit provides You with Overseas medical expenses and medical support services if You experience a medical emergency due to contracting COVID-19 while You are in a country listed on Your Certificate of insurance.

Benefit 28: COVID-19 Trip Cancellation and Disruption

This benefit provides cover for Trip cancellation and disruption related to You contracting COVID-19 and other circumstances as explained below.