Hurricane Irma, September 2017

If you purchased your travel insurance policy before the above time and date and your travel plans are affected by the event, follow these steps.

Steps to follow if you are already overseas:

1. Your wellbeing should be your first priority.
       - Stay safe.
       - Follow the direction of local authorities and media.
       - Contact us immediately if you need medical assistance or advice.
2. Contact your travel agent or travel provider (airline, cruise line, hotel, tour company, etc.) and ask about amending your trip route, transport or dates. Some travel providers may amend your trip free of charge under these circumstances.
3. Keep receipts and any other supporting documentation (boarding passes, booking confirmations, itineraries, etc.) that may be required for your claim.
4. Visit our Claims page for more information about submitting your claim.

There is provision for cover under the following benefits of the policy subject to the policy terms and conditions, limits, benefit exclusions and General Exclusions:

• Benefit 5 – Trip Cancellation Expenses
• Benefit 6 – Trip Disruption Expenses
• Benefit 16 – Travel Delay Expenses
• Benefit 17 – Alternative Transport Expenses

If you purchased your policy before the above time and date and your prepaid travel arrangements (flights, cruise, accommodation or tours) are affected by the event, you may be able to claim for the expenses involved in cancelling or rearranging your travel plans.

Tips:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts.
• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.
• The Fast Cover PDS gives you all the information you need to make a travel claim.

Steps to follow if you have not left home:

1. Contact your travel agent or travel provider (airline, cruise line, hotel, tour guide, etc.) and ask if you can reschedule your trip dates, destination, accommodation, route or transport.
2. Gather your receipts and any other supporting documentation (booking confirmations, tickets, itineraries, etc.) that may be required for your claim.
3. Visit the Claims page on our website to submit a claim online or contact the claims team on 1300 409 322 if you need help or advice.

After this time and date, we would expect that any policy was purchased with an awareness of the event.

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance after being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after this time and date.

Steps to follow:

1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.

After the time and date above, we would expect that any policy was purchased with an awareness of the event.

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance after being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after this time and date.

Steps to follow:

1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.