Travel Insurance for Ski & Snow Sports | Fast Cover

Snow Sports & Ski Travel Insurance

Are you keen to carve up the slopes on a snowboard or skis? Skate on a frozen lake, glide across the arctic tundra behind a team of huskies, or zoom down an ice luge?

Whatever winter sports you're into, make sure you have travel insurance that covers all the skiing, snowboarding and snow activities you want to do.

Even if you're an experienced skier or have been carving up the same runs for years, you can never be sure something unexpected won't happen on your next trip. 

A fellow thrillseeker may make an unexpected move, you might hit a patch of ice or mogul the wrong way, or come off second best with an obstacle on the way down. You might not even make it out of the lodge if the weather closes in unexpectedly and shuts the lifts down completely!

A Fast Cover Snow Sports Plus policy provides cover for these types of scenarios, plus a range of other benefits.

Who can buy Snow Sports travel insurance?

Ski and snow sports holidays are generally riskier than a holiday spent relaxing on a beach somewhere, so it’s important to have good cover before you hit the slopes.

Taking out Snow Sports travel insurance is essential for any travellers who want to do any skiing, snowboarding or other winter sports, no matter where in the world you're headed.

Fast Cover can provide Snow Sports cover for travellers up to 69 years of age, even if you're a novice skier. This includes:

  • Green run skiers or snowboarders taking a weekend break to Thredbo for their first time.
  • Expert snowboarders hitting the black runs on Mount Buller or the terrain park at Perisher.
  • Families taking the kids to the snow for the first time in Queenstown in New Zealand.
  • IEC Program participants on working holidays in Canada who want to hit the slopes on their days off.
  • Cross-country skiers and those who want to go off-piste, heli-skiing or cat-skiing.
  • Travellers seeking the best conditions in top notch ski resorts in Japan, Europe or the United States for a week or two.
  • And the endless winter chasers we’re all jealous of who will be on the mountain for the whole season!

Wherever you're planning your next white trip, don't forget to pack your ski travel insurance.

With a ski travel insurance policy, you’ll be able to jump on the lift with confidence knowing you've got great cover for your winter holiday.

Why do I need to buy Snow Sports travel insurance?

No matter where in the world you're headed, travelling always comes with a few risks. Winter sports holidays in particular have one of the highest potentials for injuries, as well as the same risks involved in travelling anywhere.

Medical expenses can quickly add up when you’re overseas, and unexpected travel delays or cancellation can quickly turn your dream holiday into a nightmare.

Some of the most common incidents travellers encounter on a winter holiday include:

  • Broken bones, dislocations and internal injuries sustained on the slopes.
  • Concussions and head injuries from colliding with objects or other skiers.
  • Hypothermia, frostbite and other cold-related injuries.
  • Unexpected cancellation of your ski holiday due to a family emergency or medical reason.
  • Theft of belongings such as mobile phones, cameras, wallets and handbags.
  • Damage to your rental vehicle in an accident on the icy roads.
  • Damage, loss or theft of your snow gear and equipment.
  • Piste closure due to bad weather conditions.

As well as providing cover in these scenarios, our Snow Sports Plus travel insurance can provide an allowance for equipment hire if yours is damaged or stolen so you don't miss out.

Compensation can also be claimed for your lift passes or the unused portion of your ski package if you have to cancel your trip early due to an injury or illness!

Why choose Fast Cover for your Snow Sports travel insurance?

Unlike many other ski travel insurance policies, Fast Cover’s snow policies cover off-piste skiing and snowboarding (with a licensed instructor), cross-country skiing and snowboarding, glacier skiing and snowboarding, heli-skiing and snowboarding, cat-skiing and snowboarding, and other sports like snowmobiling, sledding and tobogganing.

 

Know you've got cover when you head off piste with a professional instructor/guide to find a powder stash.6

Cover for adventurous skiers & snowboarders.

Cover for skiers and snowboarders seeking an epic experience.

Cover for the advanced skiers and snowboarders.

Cover for those who are keen to experience everything in the snow.

As specialists in the travel insurance market, Fast Cover snow sports and ski travel insurance is designed to offer excellent benefits for skiers and snowboarders at a great price.

We've made buying travel insurance faster and easier and eliminated the need to fill out any boring medical assessment forms by automatically covering 43 Pre-Existing Medical Conditions on all our policies.

Add the Adventure Pack option to your policy if you want to compliment your snow trip with some other sports and activities like tandem skydiving, white water rafting or abseiling.

As well as essential cover for overseas medical emergencies and other unexpected expenses, Fast Cover travel insurance also includes unlimited access to a 24 hour Emergency Assistance helpline.

The emergency team can provide advice and assistance, manage your medical care, liaise with hospital staff, arrange alternative transport, notify family members or next of kin if something happens to you, or even coordinate emergency evacuation and transport from anywhere in the world.

Check out the table below to see all the benefits we can offer you on your next big white adventure:

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses^

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Overseas Emergency Medical & Hospital Expenses^

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Overseas Emergency Medical & Hospital Expenses^


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Evacuation

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Overseas Emergency Evacuation

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Overseas Emergency Evacuation

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Overseas Emergency Evacuation

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Overseas Emergency Evacuation


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

––– $25,000 ––– $25,000 $25,000 $25,000

Accidental Death

––– $20,000 ––– $20,000 $20,000 $20,000

Accidental Death

––– $15,000 ––– $15,000 $15,000 $15,000

Accidental Death

––– $25,000
$20,000
––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Accidental Death

––– $25,000
$15,000
––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Accidental Death

–––
$20,000
$15,000
–––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

––– ––– ––– $25,000 $25,000 $25,000

Permanent Disability^

––– ––– ––– $20,000 $20,000 $20,000

Permanent Disability^

––– ––– ––– $15,000 $15,000 $15,000

Permanent Disability^

––– ––– ––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Permanent Disability^

––– ––– ––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Permanent Disability^

––– ––– –––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

––– $10,000 ––– $10,000 $10,000 $10,000

Weekly Limit (per person) - up to 25 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

––– Unlimited $15,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Cancellation Expenses

sub-limits:

––– $40,000 $15,000 $40,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

sub-limits:

––– $30,000 $15,000 $30,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$15,000
Unlimited
$40,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$15,000
Unlimited
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Trip Cancellation Expenses

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$15,000
$15,000

$40,000
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

$3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

Optional $7,500 $5,000 $10,000 $10,000 $10,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones and tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $500 $500 $500

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^ Cover under these Benefits are excluded while travelling within Australia.

Example Incidents~

Hannah's Hospital Shock

Hannah, an 18-year-old snowboarder from Coffs Harbour, was on a 12 month working holiday in Canada when she was admitted to hospital with severe abdominal pain. Tests found she had an inflammatory bowel disease which required immediate treatment. The Fast Cover emergency assistance team liaised with hospital staff to manage Hannah's medical care and acted as a guarantor for the costs of her treatment. Hannah's travel insurance policy, which provided cover for the whole year including skiing and snowboarding, set her back just over $1,000 but covered $48,000 AUD worth of medical treatment and her recovery in hospital.

 

Tom's Terrible Tumble

18-year-old Tom from Byron Bay needed over $41,000 AUD worth of overseas medical assistance after he injured himself while skiing in the French Alps. He suffered serious injuries including internal bleeding and needed to be medically evacuated from the ski resort. Tom and his travelling companion’s insurance policy cost just over $500 AUD for both of them. It covered the cost of Tom's emergency medical transport, surgery and hospital expenses, as well as accommodation for his friend to stay nearby while he recovered, and even their return flights to Australia in Business Class.

Traveller Testimonials

Purchased without issues

Super easy to purchase and understand what was included. If you are looking for snow sports cover this is the place to go. I rang around to a few companies and most didn't offer the range that fast cover does. Customer service was amazing!

A Campbell – Productreview.com.au

 

Easy, great rates and excellent service

Used Fast Cover many times and very good value for money. Very easy to get a quote and policy online and excellent customer service. Have had to claim twice without any hassles.

Alitas – Productreview.com.au

 

The best after trying the rest

My wife and I travel overseas every year and use Fast Cover for our travel insurance. The cost was very competitive, easy to purchase online and comprehensibly explained in the PDS. I had a medical claim in both of the years of travel and both were handled with personal professionalism. Settlement was very prompt and hassle free.

Les – Productreview.com.au

 

 

Ready to get a quote?

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Frequently Asked Questions about Snow Sports & Ski Travel Insurance

  1. What is the age limit for snow cover?

    There are no age limits for snow cover if you are ONLY travelling in Australia. If you are travelling overseas and are aged 69 and under, you are eligible for the Snow Sports Plus policy. If you are travelling overseas and are 70 years of age or older, we CANNOT provide you with snow cover.

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  2. Can I buy Snow cover just for the time that I am skiing?

    No, we aren't able to provide Snow cover just for the period that you are skiing. Snow cover needs to be purchased for the entire duration of your trip.

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  3. Is Off-Piste skiing within a resort's boundaries covered?

    Yes, off-piste skiing or snowboarding with a professional snow sport instructor or guide is covered as long as it is on a marked trail. This applies even if the run is not groomed.

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  4. If we are unsure whether we are going skiing or snowboarding, can we upgrade to a ski policy whilst we are travelling?

    Yes, you can upgrade to the Snow Sports Plus policy while you are travelling by paying the difference in price.

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  5. Is Backcountry skiing covered?

    No, Backcountry skiing is NOT covered.

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  6. What does 'Snow Sport' mean in the PDS?

    'Snow Sports' means:

    • Recreational skiing and snowboarding
    • Big foot skiing and snowboarding
    • Cat skiing and snowboarding
    • Cross-country skiing and snowboarding (along a designated cross country ski route only)
    • Glacier skiing and snowboarding
    • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)
    • Ice hockey (not competitive)
    • Ice skating
    • Lugeing (on ice) (provided by a commercial operator and available to the general public only)
    • Mono skiing
    • Off-piste skiing or snowboarding with a professional snow sport instructor or guide
    • Snowmobiling
    • Snowshoeing
    • Tobogganing

     

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  7. What is the meaning of 'Off-piste'?

    'Off-piste' means areas within the boundaries of a ski resort that are not:

    • groomed terrain; or
    • marked slopes; or
    • trails that are open, maintained, monitored and patrolled by the ski resort.

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  8. What is 'Snow Resort closure' cover?

    You only have this cover if you chose the Snow Sports Plus and Domestic Plus policies.

    Important cover conditions

    Cover under this benefit is subject to the following conditions:

    • If you have a claim under this benefit you must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.

    We will pay:

    • Up to the limits set out in the Benefit Summary of the PDS, if during your stay at your pre-booked and prepaid holiday resort all ski lift systems are closed for more than 24-hours because there is not enough snow, too much snow, bad weather or a power failure, we will reimburse

    o the cost of transport to the nearest open resort;

    o the cost of lift passes at the alternate resort.

    We will not pay:

    • If the claim arises outside the period 15th December to 15th April in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

    • The claim relates to resorts that do not have skiing facilities greater than 1,000 metres above sea level.

    For more than the applicable limits set out in the Benefit Summary in the PDS. Please also read General Exclusions that apply to all benefits in the PDS.

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  9. What is 'Snow Sports Equipment' cover?

    You only have this cover if you chose the Snow Sports Plus and Domestic policies.

    Cover under this benefit is subject to the following conditions:

    • There is no cover while snow sports equipment is in use.
    • You must take care to protect and secure your snow sports equipment at all times. This means:
    • You must not leave your snow sports equipment unsupervised or in a public place or unattended at any time in the passenger compartment of a motor vehicle.
    • You must not store your snow sports equipment in a motor vehicle overnight.
    • You must, when you are transporting your snow sports equipment by aircraft, securely pack it in a ski or snowboard case or other container designed for snow sports equipment.
    • You must, when you are transporting your snow sports equipment by motor vehicle, only place it in the locked boot or locked storage compartment and obscured from view.
    • Limits apply if your snow sports equipment is stolen from a motor vehicle while it is unoccupied.
    • Where a claim is for the loss or theft of, or damage to, snow sports equipment, you must:
    • report the loss or theft within 24-hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred.
    • provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.

    We will pay:

    • Up to the limits set out in the Benefit Summary above, if during your trip, snow sports equipment owned by you is permanently lost, stolen, accidentally damaged, we will, at our option:
      • Repair the item
      • Replace the item, or
      • Pay you the amount it would cost us to repair or replace the item.

     

    Subject to the limits shown in the Benefit Summary of the PDS, the most we will pay is the original purchase price of the item less any depreciation that applies. Depreciation will be calculated as detailed under the heading Depreciation in the PDS.

     

    No depreciation will be applied to snow sports equipment purchased duty free prior to your departure, snow sports equipment purchased during your trip.

    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

     

    If your snow sports equipment is stolen from an unoccupied motor vehicle then the most we will pay under any circumstances is $200 for each item, pair or set, and $1,000 in total for all stolen items.

     

    We will not pay if:

    • The loss or damage is to, or of, snow sports equipment while it is in use.
    • The snow sports equipment was left unsupervised in a public place.
    • If you leave your snow sports equipment in any aircraft, ship, train, tram, taxi or bus or in any hotel or motel room after you have checked out.
    • If the snow sports equipment was left unattended in a motor vehicle, unless it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the snow sports equipment was left overnight in a motor vehicle, even if it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the snow sports equipment was being sent unaccompanied or under a freight contract.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
    • If the snow sports equipment suffers an electrical or mechanical breakdown.
    • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of Your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).
    • If you do not report the loss, theft or damage within 24-hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.
    • For more than the applicable limits set out in the Benefit Summary of the PDS.

    Please also read the General Exclusions that apply to all benefits in the PDS.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. ^ For travellers aged 80 and over, additional terms and conditions apply. #Available with our Comprehensive policies only. **No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

+Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers

1Price Match only applies to valid Australian quotes that covers unlimited overseas emergency medical expenses, unlimited overseas emergency medical assistance, unlimited Trip cancellation expenses and $10000 or more in luggage cover under a Comprehensive policy or Trip Cancellation expense cover of $15000 or more and $5000 or more in luggage cover under a standard policy. Excludes sales coupons. Only available if quote is genuine, written proof of quote may be required. 25% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children. 3Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies. 4Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess. 5Additional terms and conditions, limits and excesses apply to travellers over the age of 79. 6Must be accompanied by a professional instructor or guide.

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