International Plan B 723100234799

YourCover
Travel Insurance
flightcentre.com.au
Available when booking your trip

flightcentre.com.au A R R A NG E D BY:
Effective 21 September 2022

Combined Financial Services Guide
and Product Disclosure Statement
TABLE OF CONTENTS
PRODUCT DISCLOSURE STATEMENT (PDS) �� 3-33
1 INTRODUCTION 3
ABOUT THIS COVER 3

CONTACT US 3
THE PURPOSE OF THE PRODUCT DISCLOSURE STATEMENT (PDS) 3
2 THE COVER 4
NEW ZEALAND - BENEFITS TABLE 4
SOUTH WEST PACIFIC AND INDONESIA (INCLUDING BALI) - BENEFITS TABLE 5
INTERNATIONAL - BENEFITS TABLE 6
DOMESTIC (AUSTRALIA) - BENEFITS TABLE 2
ALL REGIONS OF THE WORLD (LAST MINUTE COVER) - BENEFITS TABLE 8

POLICY INCLUSIONS 9
3 TRAVEL AND HEALTH 11
EXISTING MEDICAL CONDITIONS 11
HEALTH OF OTHER PEOPLE IMPACTING YOUR TRAVEL (NON-TRAVELLER) 13

PREGNANCY 13
4 ASSISTANCE AND CLAIMS 14

24 HOUR EMERGENCY ASSISTANCE 14
CLAIMS 14
5 IMPORTANT INFORMATION 15
WHO IS THE INSURER? 15
WHO IS COVER-MORE AND THE PROVIDING ENTITY? 15
WHEN AND HOW BENEFITS ARE PROVIDED 15
DUTY TO TAKE REASONABLE CARE NOT TO MAKE A MISREPRESENTATION 15
THE AMOUNT YOU PAY FOR THIS INSURANCE 16
HOW VARIOUS FACTORS AFFECT THE AMOUNT PAYABLE 16
HOW A CLAIM SETTLEMENT IS CALCULATED 16
6 POLICY WORDING 16
WORDS WITH SPECIAL MEANING 16
POLICY CONDITIONS 18
THE BENEFITS 20
GENERAL EXCLUSIONS 29
7 GENERAL INFORMATION 31
THE FINANCIAL CLAIMS SCHEME 31
ADDITIONAL POLICY INFORMATION 31
CHANGE OF TERMS AND CONDITIONS 31
GENERAL INSURANCE CODE OF PRACTICE 31
CANCELLING YOUR POLICY AND REFUNDS 32
WE RESPECT YOUR PRIVACY 32
COMPLAINTS AND DISPUTES RESOLUTION PROCESS 33
FINANCIAL SERVICES GUIDE (FSG) �� 34
MORE THAN JUST A TRAVEL THE PURPOSE OF THE PRODUCT
INSURANCE POLICY DISCLOSURE STATEMENT (PDS)
We’re as passionate about travel as you are, and we want The PDS provides information to help you understand
every single trip you take to be amazing – whether you’re this travel insurance policy, compare cover and make an
exploring Australia or a faraway destination. informed decision about whether to buy a policy.
We also want to help you feel safe when you travel. Please read the PDS carefully to ensure it provides the
Our benefit inclusions cover more moments that matter cover you need. If you have any questions please contact us.
to you, so we can help protect you and your travel The PDS details:
experience when you need us most. • the benefits – read these together with the add-ons to
vary cover;
ABOUT THIS COVER • requirements if you have an Existing Medical Condition
This policy provides an essential level of cover and is or are pregnant;
only available online when arranging your travel with • obligations in relation to your duty to take reasonable
flightcentre.com.au. care not to make a misrepresentation;
You need to be resident of Australia: an Australian citizen • definitions of ‘words with special meaning’ where they
with a valid Australian Medicare card or, a person living in are used in the policy; and
Australia with a visa allowing You to live, work or study in • what is and isn’t covered.
Australia. When you purchase a policy, keep a copy of this PDS and
International travel the Certificate of Insurance we’ll give you in a safe place
for future reference.
(New Zealand, South West Pacific and Indonesia
(including Bali), International and All regions of
the world)
This international plans are available to residents of
Australia who are under 75 years of age at the time of
policy purchase.
• For a comprehensive travel insurance policy with
additional benefits and add-on covers available (for
example for existing medical conditions or adventurous
activities) please contact us.
Domestic travel
(Australia)
The domestic plans are available to residents of Australia
of any age.
CONTACT US
If you have any questions regarding this policy or want to
chat about alternative cover options, please:
• Ask your Flight Centre travel consultant in store
• Visit www.flightcentre.com.au
• Call 133 133 FOR
COVID-19
BENEFITS SEE
PAGES 26-29
The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507.
PART 1: INTRODUCTION 3
YOURCOVER
ESSENTIALS
FOR TRAVEL TO
NEW ZEALAND
FOR
COVID-19
BENEFITS SEE
PAGES 26-29
Below is a summary of the benefits provided. Please read this PDS carefully to understand what this policy covers.
NEW ZEALAND - BENEFITS TABLE
NEW ZEALAND - Plan B NEW ZEALAND - Plan A
Policy Benefits Single Trip Single Trip

Limits per adult Excess Limits per adult Excess
unless stated unless stated
Overseas Medical and Dental $Unlimited~ $250 $Unlimited~ $250

(including emergency repatriation/evacuation)
Additional Expenses* $Unlimited $250 $Unlimited $250
Amendment or Cancellation Costs* $3,000 per policy $250 $3,000 per policy $250
Plan A
Plan B
Luggage and Travel Documents* $12,000 $250 $12,000 $250
Delayed Luggage Allowance* $1,100 $250 $1,100 $250
Rental Car Insurance Excess $5,000 – $5,000 –
Personal Liability $3,000,000 – $3,000,000 –
Other
Motorcycle / Moped Riding Cover ✘ ✘
Snow Sports ✘ ✔
~Cover will not exceed 12 months from onset of the illness, condition or injury. *Sub-limits apply. Luggage item limits apply. See page 9.
Refer to the Policy Wording pages 16-31. Conditions, exclusions, limits and sub-limits apply.
PART 2: THE COVER 4

YOURCOVER
ESSENTIALS
FOR TRAVEL TO THE
SOUTH WEST PACIFIC
AND INDONESIA
(INCLUDING BALI)
FOR
COVID-19
BENEFITS SEE
PAGES 26-29
SOUTH WEST PACIFIC AND INDONESIA (INCLUDING BALI) - BENEFITS TABLE
SOUTH WEST PACIFIC AND INDONESIA SOUTH WEST PACIFIC AND INDONESIA
(INCLUDING BALI) - Plan B (INCLUDING BALI) - Plan A
Policy Benefits
Single Trip Single Trip


Plan A
Plan B
Amendment or Cancellation Costs* $Nil – $3,000 per policy $250
Rental Car Insurance Excess $Nil – $Nil –
Other
Motorcycle / Moped Riding Cover ✔ ✔
Snow Sports ✘ ✘
PART 2: THE COVER 5

YOURCOVER
ESSENTIALS
FOR INTERNATIONAL
TRAVEL
FOR
COVID-19
BENEFITS SEE
PAGES 26-29
INTERNATIONAL - BENEFITS TABLE
INTERNATIONAL - Plan B INTERNATIONAL - Plan A

Policy Benefits Single Trip Single Trip

Amendment or Cancellation Costs* $3,000 per policy $250 $10,000 per policy $250
Plan A
Plan B
Rental Car Insurance Excess $Nil – $5,000 –
Other
Snow Sports ✘ ✔
PART 2: THE COVER 6

YOURCOVER
ESSENTIALS
FOR TRAVEL WITHIN
AUSTRALIA
FOR
COVID-19
BENEFITS SEE
PAGES 26-29
AUSTRALIA - BENEFITS TABLE
AUSTRALIA - Plan B AUSTRALIA - Plan A

Policy Benefits
Excess Excess
Limits per adult Limits per adult
Additional Expenses*
$10,000 $25 $10,000 $25
Amendment or Cancellation Costs*
Plan A
Plan B
Delayed Luggage Allowance $Nil – $250 $25
Rental Car Insurance Excess $Nil – $10,000 –
Personal Liability $Nil – $200,000 –
Other
Snow Sports ✔ ✔
*Sub-limits apply. Luggage item limits apply. See page 9.

PART 2: THE COVER 7

YOURCOVER
ESSENTIALS
ONLY THE BASICS -
FOR TRAVEL TO ALL
REGIONS OF THE WORLD
FOR
COVID-19
BENEFITS SEE
PAGES 26-29
ALL REGIONS OF THE WORLD (BASICS COVER) - BENEFITS TABLE
BASIC COVER - Plan B BASIC COVER - Plan A

Policy Benefits
Excess Excess
Limits per adult Limits per adult

Amendment or Cancellation Costs* $Nil – $Nil –

Plan A
Plan B
Luggage and Travel Documents* $Nil – $12,000 $250
Delayed Luggage Allowance* $Nil – $1,100 $250
Rental Car Insurance Excess $Nil $Nil
Other
Motorcycle / Moped Riding Cover ✘ ✘
Snow Sports ✘ ✘
PART 2: THE COVER 8

Policy inclusions the locked motor vehicle or towed land vehicle and
forced entry was gained. A limit of $500 per item and a
maximum of $2,000 in total applies.
EXCESS • Don’t leave items Unattended in ANY motor vehicle or
The excess will be shown on Your Certificate of Insurance towed land vehicle overnight, as they’re not covered.
and only applies in the event of a claim. • Don’t walk away from or leave Your belongings
When You make a claim arising from the one event, an Unattended in a Public Place. They’re not covered by Us.
excess (if applicable) will only be applied once. • Report any loss or theft to the police within 7 days
See 1. Excess on page 18 for more information. of when You first become aware of the incident, as a
police report is required so We can validate that the
Special excess applicable to COVID-19 claims incident occurred.
In addition to the policy excess that applies to the plan Also, Your belongings may have been handed in and
You purchased, a special excess will apply to: may be recovered or the police may have a chance to
• SECTION: Additional Expenses if You are follow up an alleged crime.
diagnosed with COVID-19 on Your trip: All • Additionally, We require the relevant report from
International plans – $250, Australia – $250 the related party. For example, an Airline Property
• SECTION: Amendment or Cancellation Costs if irregularity Report (PIR) is also required if Your items
You or Your travelling companion are diagnosed were lost or stolen when travelling with an airline.
with COVID-19 on Your trip: New Zealand, South • If You are unable to provide Us with a copy of the
West Pacific and Indonesia (including Bali) and relevant report, You must provide Us with a reasonable
International plans – $500, Australia – $250. (The explanation and details of the time and place You made
BASICS COVER does not include an Amendment the report, including their contact details.
or Cancellation Costs benefit).
If Your claim is under both sections, the higher special LUGGAGE ITEM LIMITS*
excess will be deducted. The special excess applies in The following limits apply to any one item, set or pair of
addition to any other excess. You cannot remove this items (including attached and unattached accessories), up
special excess. to the following limits, after taking into account reasonable
What that means is, for example, if You chose depreciation. See pages 23-24 for depreciation rates and
International plan A and claim for Additional an example of how a claim is worked out:
accommodation costs and cancellation costs because
You were diagnosed with COVID-19 on Your Items Limits
overseas trip, We would deduct an excess of $750 in Phone $1,000
total from Your claim. ($250 excess + $500 special
Smart watch $1,000
excess).
Camera $3,500
LUGGAGE AND TRAVEL DOCUMENTS Video camera $3,500
COVER* Drone (with or without camera) $1,000
Your belongings Laptop computer $3,000
It is Your responsibility to provide Us with evidence
to support Your claim for an item. This is ‘proof of Tablet computer $3,000
ownership’. Artificial limb $1,000
• We will accept the original or a copy of a purchase
Dentures (full or partial) $1,000
receipt, invoice and/or bank statement showing the
purchase, the date of the purchase and the amount paid. Removable dental appliance $1,000
• We may consider valuation certificates (issued prior to
Medical device $1,000
the Relevant Time), ATM receipts and warranty cards
with accompanying bank statement of purchases. Jewellery $1,000
• We will not accept photographs, packaging or Watch $1,000
instruction manuals as proof of ownership.
Safety of Your belongings Any other item $1,000
• Don’t check in Your Valuables – keep them with You *Cover for luggage and travel documents is subject to the
as they’re not covered by Us when checked-in with the area and plan purchased.
Transport Provider (unless security regulations meant
You were forced to check them in).
• Items left Unattended in any motor vehicle (for example,
EXISTING MEDICAL CONDITIONS AND
a car, campervan or motorhome) or towed land vehicle PREGNANCY
during daylight hours are not covered, unless they are See Travel and health pages 11-13.
stored in the Concealed Storage Compartment of
PART 2: THE COVER 9

ACTIVITIES INCLUDED IN YOUR COVER EXTENDING YOUR JOURNEY
We know that not all travellers enjoy the same activities If You are travelling and wish to be insured for longer than
while travelling so We have a comprehensive list of the original period shown on Your original Certificate of
activities which are covered while You are on Your Insurance, You need to purchase a new policy by calling
Journey including: or emailing Your travel consultant or Cover-More prior
• Abseiling • Jet Skiing to the expiry date. It is not an extension of the previous
• Archery • Kayaking policy. Your Certificate of Insurance will be adjusted with
• Ballooning • Paragliding the new dates.
• Bungy Jumping • Parasailing Please note:
• Flying Fox • Snorkelling • Should a medical condition present itself before the new
policy is issued, it may be considered an Existing Medical
• Horse Riding • White Water Rafting
Condition under a new policy. Therefore it may not be
• Jet Boating • Working Holidays covered by the new policy. Purchasing a longer duration
Your participation in any of the activities listed is subject up front may avoid this risk.
to the terms of cover and in particular general exclusions • Restrictions on the duration of the new policy may
22‑25 on page 30 and SECTION: Personal Liability apply. For example, the maximum overall period for
exclusions 3 and 4 on page 25. Worldwide cover is 12 months in total.
• If You can’t return Home on Your original date due to
MOTORCYCLE/MOPED RIDING COVER an unforeseeable circumstance outside Your control, the
If You wish to be covered for this activity during Your policy will automatically extend - See policy condition 9.
Journey and be able to hire a motorcycle (including a Free extension of insurance on page 19 for details.
moped) as the driver or a pillion passenger:
Motorcycle/Moped Riding COOLING-OFF PERIOD
Engine capacity 250cc or less You can cancel or change Your policy at any time before
You will only be covered if: You leave Home. If You cancel this policy for any reason
within the cooling-off period which is within 21 days of the
• the engine capacity is 250cc or less;
date of purchase, We will give You Your money back.
• while in control of a motorcycle or moped You
Our cooling-off period ensures a refund of the entire
hold a valid Australian motorcycle rider’s licence or
premium unless You have already made a claim under the
Australian motor vehicle driver’s licence;
policy or departed on Your Journey.
• while You are a passenger the driver holds a valid
If You wish to cancel Your policy and receive a full refund,
licence for riding that vehicle;
please contact the providing entity within the cooling-off
• You are wearing a helmet; period.
• You are not participating in a Professional capacity;
• You are not racing; and
• You are not participating in motocross.
Note: No cover will apply under SECTION: Personal
Liability. This means You are responsible to pay costs
associated with damage to the motorcycle, moped or
property or injury to another person.
SNOW SPORTS: SNOW SKIING,

SNOWBOARDING AND
SNOWMOBILING COVER
If You wish to be covered for participation in these
activities during Your Journey, cover availability is subject to
the area and plan purchased and the following:
Snow Sports
On-Piste snow skiing, snowboarding and snowmobiling,
and cross-country skiing only
You will only be covered if:
• You are snow skiing, snowboarding or snowmobiling
On‑Piste, or cross-country skiing;
• You are not participating in a Professional capacity; and
• You are not racing.
PART 2: THE COVER 10

Travel and health Existing Medical Conditions We automatically
include
We automatically include the Existing Medical Conditions
EXISTING MEDICAL CONDITIONS listed in the table following provided:
(Of You or Your travelling companion) • all Your Existing Medical Conditions are on this list;
• You have not been hospitalised or required treatment
Domestic travel
by a medical practitioner in the last 12 months for any
(Australia) of the listed conditions;
The domestic plans includes cover for claims arising from • You are not under investigation for any of the listed
Your Existing Medical Condition(s) or the Existing Medical conditions;
Condition(s) of Your travelling companion who is travelling • You are not awaiting investigation, surgery, treatment or
with You on the same itinerary only. procedures for any of the listed conditions; and
International travel • Your condition satisfies the criteria in the table following.
All time frames are measured in relation to the Relevant
(New Zealand, South West Pacific and Indonesia Time, unless specified otherwise.
(including Bali), International and All regions of
the world) Condition Criteria
Acne No additional criteria.
This international plans do not automatically cover claims
which in any way relate to, or are exacerbated by, some ADHD (Attention No additional criteria.
Existing Medical Conditions. Deficit Hyperactivity
Disorder)
What is an Existing Medical Condition?
Allergy In the last 6 months, You haven’t
“Existing Medical Condition” means a disease, illness, required treatment by a medical
medical or dental condition or physical defect that, at the practitioner for this condition.
Relevant Time, meets any of the following: You have no known respiratory
a) Has required an emergency department visit, conditions (e.g. Asthma).
hospitalisation or day surgery procedure within the last Anxiety You have not been diagnosed with
12 months. Depression in the last 3 years.
b) Requires: In the last 12 months, Your
i. prescription medication from a qualified medical prescribed medication hasn’t
changed.
practitioner;
You are not currently waiting to
ii. regular review or check-ups; see a mental health clinician (e.g.
iii. ongoing medication for treatment or risk factor psychologist or psychiatrist).
control; or You have not previously been
iv. consultation with a specialist. required to cancel or curtail Your
c) Has: travel plans due to Your Anxiety.
i. been medically documented involving the brain, Asthma You are less than 60 years of age
circulatory system, heart, kidneys, liver, respiratory when You purchase the policy.
system or cancer; or In the last 12 months, You haven’t
had an Asthma exacerbation
ii. required surgery involving the abdomen, back, brain, requiring treatment by a medical
joints or spine that required at least an overnight practitioner.
stay in hospital. You have been a non-smoker for at
d) Is: least the last 18 months.
i. chronic or ongoing (whether chronic or otherwise) You don’t need prescribed oxygen
and medically documented; outside of a hospital.
ii. under investigation; You don’t have a chronic lung
condition or disease (whether
iii. pending diagnosis; or
chronic or otherwise) including
iv. pending test results. Chronic Bronchitis, Chronic
“Relevant Time” means the time of issue of the policy. Obstructive Pulmonary Disease
If You are unsure whether You have an Existing Medical (COPD), Emphysema or Pulmonary
Condition, please call Cover‑More on 1300 72 88 22 Fibrosis.
for assistance. Bell’s Palsy No additional criteria.
Bunions No additional criteria.
Carpal Tunnel No additional criteria.
Syndrome
Cataracts In the last 90 days, You haven’t had
Glaucoma an operation for this condition.
You have no ongoing complications
of this condition.
PART 3: TRAVEL AND HEALTH 11

Condition Criteria Condition Criteria
Coeliac Disease No additional criteria. Skin Cancer Your Skin Cancer isn’t a Melanoma.
Congenital Blindness No additional criteria. You haven’t had chemotherapy or
radiotherapy for this condition.
Congenital Deafness No additional criteria.
Your Skin Cancer does not require
Depression You have not been hospitalised for any follow up treatment e.g.
this condition in the last 2 years. chemotherapy, radiotherapy or
In the last 12 months, Your further excision.
prescribed medication hasn’t
Stenosing No additional criteria.
changed.
Tenosynovitis
You are not currently waiting to (Trigger Finger)
see a mental health clinician (e.g.
psychologist or psychiatrist). Urinary Incontinence No additional criteria.
You have not previously been Underactive Thyroid The cause of Your Underactive/
required to cancel or curtail Your Overactive Thyroid Overactive Thyroid wasn’t a tumour.
travel plans due to Your Depression.
If Your Existing Medical Condition is not
Ear Grommets You don’t have an ear infection. automatically accepted by Us or if You have
Epilepsy You don’t have an underlying medical any Other Existing Medical Conditions
condition (e.g. previous head trauma, If Your condition:
Brain Tumour or Stroke).
• does not meet the criteria above;
Gastric Reflux Your Gastric Reflux doesn’t relate to
• You have one or more conditions which are not listed
an underlying diagnosis (e.g. Hernia/
Gastric Ulcer). in the table of conditions we automatically include; or
Goitre No additional criteria.
• a combination of both the above points
there will not be any cover for Your Existing Medical
Graves’ Disease No additional criteria. Conditions.
Gout No additional criteria. To be clear, the conditions We automatically include only
Hiatus Hernia No additional criteria. apply if You do not have other Existing Medical Conditions
Hip Replacement The procedure was performed more beyond those on this list.
Knee Replacement than 12 months ago and less than 10 To discuss other policy options that may be available
Shoulder years ago. please speak to Your Flight Centre consultant or call
Replacement You haven’t had any post-operative Cover-More on 1300 72 88 22.
Hip Resurfacing complications related to that surgery.
Post-operative complications include
joint dislocation and infection.
Hypercholes- You don’t have a known heart or
terolaemia cardiovascular condition.
(High Cholesterol)
Hypertension You don’t have a known heart or

(High Blood cardiovascular condition.
Pressure) You don’t have Diabetes (Type I or
Type II).
Your Hypertension is stable
and managed by Your medical
practitioner.
In the last 12 months, Your
prescribed blood pressure
medication hasn’t changed.
You aren’t suffering symptoms of
Hypertension.
You aren’t having investigations
related to blood pressure.
Migraine No additional criteria.
Peptic In the last 12 months, the Peptic/
Gastric Ulcer Gastric Ulcer has been stable.
Plantar Fasciitis No additional criteria.
Raynaud’s Disease No additional criteria.

PREGNANCY d) was not on a waiting list for, or did not know they
Our policy provides limited cover for pregnancy. needed surgery, inpatient treatment or tests at a
hospital or clinic;
The following restrictions apply to all pregnancies and any
claim arising from pregnancy: e) did not have a drug or alcohol addiction; and
• No cover is available where complications of this f) did not have a Terminal Illness.
pregnancy or any previous pregnancy had occurred What are the restrictions and limits?
prior to the time the policy was issued. If any point a-f cannot be met e.g. if Your non-travelling
• No cover is available if the pregnancy is a multiple Relative was in a nursing home or did have a Terminal
pregnancy e.g. twins or triplets. Illness, the maximum We will pay is $1,000 under all
• No cover is available if the conception was medically sections of the policy combined.
assisted e.g. using assisted fertility treatment including • For Your reference, “Relative” means a person who is
hormone therapies or IVF. Your spouse, de facto; parent, parent-in-law, stepparent,
• Cover is only provided for serious, unexpected guardian; grandparent; child, foster child, grandchild;
pregnancy complications that occur up until the brother, brother-in-law, half-brother, stepbrother, sister,
24th week of pregnancy i.e. up to 23 weeks, 6 days. sister-in-law, half-sister, stepsister; daughter, daughter-in-
Gestational age is measured in weeks and age and is law, stepdaughter, son, son-in-law, stepson; fiancé, fiancée;
calculated from the last known date of the person’s uncle, aunt; or niece, nephew.
menstrual period or calculated from the staging What isn’t covered?
ultrasound. • Claims related to non-travellers who aren’t a Relative or
• Childbirth is not covered. Your business partner.
• Costs relating to the health or care of a newborn child • Claims where You are aware of a circumstance which is
are not covered, irrespective of the stage of pregnancy likely to give rise to a claim.
when the child is born. • Claims which in any way relate to circumstances You
What does this mean? knew of, or a person in Your circumstances would have
Expectant mothers should consider if Our products are reasonably known or foreseen, at the Relevant Time,
right for them when travelling after 20 weeks gestation that could lead to the Journey being delayed, abandoned
as costs for childbirth and neonatal care overseas can be or cancelled.
expensive. Examples
For assistance or to discuss other policy options that may • Jim’s father was hospitalised after a serious accident.
be available please speak to Your Flight Centre consultant After hearing the bad news, Jim cancelled his upcoming
or call Cover-More on 1300 72 88 22. trip and received a 50% refund.
He then bought a travel insurance policy so he could
HEALTH OF OTHER PEOPLE IMPACTING claim the rest of the money back.
YOUR TRAVEL (NON-TRAVELLER) When Jim bought the policy, he had already cancelled
This policy has cover if You need to change Your trip due the trip so his claim would not be covered.
to the health of a Relative or Your business partner who • Khalida’s mother had been unwell for several months
is not travelling. In some circumstances the maximum We and was booked to have medical tests. Khalida organised
will pay is $1,000. a holiday and travel insurance. Unfortunately, the test
results showed her mother had a serious sickness so
What is covered?
Khalida cancelled her holiday to spend time with her
We will pay for claims arising from the sudden disabling mother. Because her mother was having tests after
injury, sickness or disease or death of a Relative or Your being unwell when Khalida bought her policy, her claim
business partner who is not travelling if, at the Relevant would not be covered as she knew at that time, or a
Time, that person: person in her circumstances would have reasonably
a) in the last 12 months, had not been hospitalised known or foreseen, that she may need to cancel her trip
(including day surgery or emergency department due to her mother’s health.
attendance) for a condition that was in any way related
to, or exacerbated by, the condition that gave rise to
the claim;
b) was not residing in a facility such as a nursing home,
an aged care facility, a residential aged care home,
a high and/or low care facility, a privately owned
accommodation facility such as Supported Residential
Services or Facilities (SRS/SRF) or, a residential care
facility);
c) was residing independently at home or in a retirement
home or village, including independent living
arrangements, and they did not require home care or
flexible care services;

24 hour emergency Claims
assistance How to make a claim
All policyholders have access to Our emergency assistance Visit claims.covermore.com.au

team when travelling. Follow the prompts to complete Your claim and the
24 hours a day, 365 days a year, Our team of doctors, checklist to gather the supporting documents You need to
nurses, case managers and travel agents provide the submit with it.
following services: Submit the claim online
• Help to find a medical facility and monitor Your
Upload Your scanned supporting documents when
medical care
submitting the claim online, or
• Paying bills
If You are unable to upload documents, still submit the
Becoming ill overseas can be very expensive so those claim online, but post the documents to Us. We will give
significant medical expenses can be paid by Us directly You a claim number to note on the original supporting
to the hospital if Your claim is approved. documents. Please note: We need original supporting
• Keeping You travelling or getting You Home documents, so if You are uploading Your documents,
Our team can decide if and when it is appropriate to please hold on to them as We may request them. If You
move You or bring You Home and will coordinate the are posting them, keep a copy.
entire exercise. Cover-More Travel Insurance
• Help if passports, travel documents or credit cards Claims Department
are lost Private Bag 913
If You need assistance in contacting the issuer of the North Sydney NSW 2059
document, Our emergency assistance team can help. Australia
• Help to change travel plans
For additional assistance
If Your travel consultant is not available to assist with
rescheduling in an emergency, Our team can help. Call: 1300 72 88 22 or +61 2 8907 5000
Certain services are subject to Your claim being approved. Email: enquiries@covermore.com.au
You, or someone on Your behalf, should phone Our When will I hear back about the claim?
emergency assistance team as soon as possible if You We try to process claims as quickly as possible. We may
require hospitalisation, if Your medical expenses will approve and settle, investigate or decline the claim or
exceed $2,000 or if You want to return early. request further information. In any case, You will hear back
When You call, please have the following information at within 10 working days from the time We receive Your
hand: claim or each time we receive further information on it.
• Your policy number
• a phone number to call You back on
Please call Australia DIRECT and TOLL FREE from:
USA 1800 937 9763 Canada 1800 645 8714
UK 0800 892 014 NZ 0800 445 524
Charges may apply if calling from a pay phone or
mobile phone.
From all other countries or if You experience difficulties
with the numbers above:
Call direct: +61 2 8907 5619
Fax: +61 2 9954 6250
PART 4: ASSISTANCE AND CLAIMS 14

Important Information It is important that You understand You are answering
Our questions in this way for Yourself and anyone else
that You want to be covered by the contract.
WHO IS THE INSURER? When You answer the questions You must give a true and
ZAIL is part of the Zurich Insurance Group, a leading accurate account of matters. Your response should tell
multi-line insurer that serves its customers in global and Us everything that You know about the question because
local markets. Zurich provides a wide range of general Your response is relevant to whether We offer You
insurance and life insurance products and services in more insurance and the terms We offer You.
than 210 countries and territories. Zurich’s customers A misrepresentation made fraudulently is made in breach
include individuals, small businesses, and mid-sized and of the duty to take reasonable care not to make a
large companies, including multinational corporations. misrepresentation.
ZAIL’s contact details are: Circumstances relevant to Your duty
Mail: Zurich Australian Insurance Limited Whether or not You took reasonable care not to make a
PO Box 677, North Sydney NSW 2059 misrepresentation will be determined with regard to all the
relevant circumstances.
WHO IS COVER-MORE AND THE If We know, or ought to know about Your particular
PROVIDING ENTITY? characteristics or circumstances, We will consider these
to determine if You took reasonable care not to make a
Cover-More Insurance Services Pty Ltd
misrepresentation to Us.
ABN 95 003 114 145, AFSL 241713 (Cover-More)
administers the policy (including customer service, We may consider the following matters to determine if
medical assessments and claims management) and will You took reasonable care not to make a misrepresentation
usually arrange for the issue of the insurance, either to Us:
directly or through the appointment of distributors or • the type of consumer insurance contract in question,
authorised representatives. Alternatively, another financial and its target market;
services licensee or its authorised representatives may • explanatory material or publicity produced or authorised
arrange for the issue of this insurance. by Us;
The person who provides You with this PDS is the • how clear, and how specific, the questions We asked
providing entity. The capacity in which they act is displayed were;
in the Financial Services Guide at the back of this booklet. • how clearly We communicated to You the importance
of answering those questions and the possible
WHEN AND HOW BENEFITS ARE consequences of failing to do so;
PROVIDED • whether or not an agent/insurance broker was acting for
You; or
The benefits for which You are insured under this policy
• whether the contract was a new contract or was being
are payable:
renewed, extended, varied or reinstated.
• when an insured event occurs during the Period of
You are not to be taken to have made a misrepresentation
Insurance causing You to suffer loss or damage or incur
merely because You:
legal liability; and
• failed to answer a question; or
• Your claim is accepted by Us.
• gave an obviously incomplete or irrelevant answer to a
After calculating the amount payable We will either:
question.
• pay for specified Additional expenses;
Consequences if You fail to take reasonable
• pay the person or provider to whom You are legally
care and do make a misrepresentation
liable;
• pay the cash value, repair cost or arrange replacement
If You do not take reasonable care when answering
of Your personal items (after deducting reasonable Our questions and the result is You do make a
depreciation where applicable); or misrepresentation to Us, We may cancel Your contract or
reduce the amount We will pay You if You make a claim,
• pay You.
or both.
If Your failure to take reasonable care not to make a
DUTY TO TAKE REASONABLE CARE misrepresentation to Us is fraudulent, We may refuse to
NOT TO MAKE A MISREPRESENTATION pay a claim and treat the contract as if it never existed.
This is a consumer insurance contract under the Insurance
Contracts Act 1984 (Cth) (Act).
Under the Act, You have a duty to take reasonable care
not to make a misrepresentation to Us.
This duty applies whenever You enter into, renew, extend
or vary this contract of insurance. In all cases, We will ask
You questions that are relevant to Our decision to insure
You and on what terms.
PART 5: IMPORTANT INFORMATION 15

THE AMOUNT YOU PAY FOR THIS Policy Wording
INSURANCE The benefits described in this policy wording should
You can obtain a quote from the providing entity. The be read in conjunction with Policy inclusions (pages
amount We charge You for this insurance policy is the 9-10), Travel and health (pages 11-13), Duty
total amount of the premium that We calculate to cover to take reasonable care not to make a misrepresentation
the risk and any relevant government charges (such as (page 15), Words with special meaning (pages
Goods and Services Tax (GST) and stamp duty). These 16-18), Policy Conditions (pages 18-19) and
amounts add up to the total amount You must pay. General Exclusions (pages 29-31).
Once the policy is issued Your total premium and any
THE POLICY IS NOT VALID UNLESS THE
relevant government charges are shown on the Certificate
CERTIFICATE OF INSURANCE IS ISSUED TO
of Insurance. If You wish to change Your policy in any way
YOU.
please contact us.
We will give You the insurance cover described in the
policy in return for receiving the total Amount Payable.
HOW VARIOUS FACTORS AFFECT THE
It is a condition of the policy that:
AMOUNT PAYABLE • You are not aware of any circumstance which is likely to
We consider a number of factors in calculating the total give rise to a claim; and
Amount Payable. The following is a guide on these key • You are a resident of Australia with a valid Australian
factors, how they combine and how they may impact the Medicare card or currently living in Australia with a visa
assessment of risk and therefore Your premium. allowing You to live, work or study in Australia and will
• Area – higher risk areas cost more. be returning Home at the completion of the Period of
• Departure date and trip duration – the longer the Insurance.
period until You depart and the longer Your trip
duration, the higher the cost may be. WORDS WITH SPECIAL MEANING
• Age – higher risk age groups may cost more.
In this PDS the following words have the meanings shown
• Plan – some plans cover more and therefore cost more. below. The use of the singular shall also include the use of
the plural and vice versa.
HOW A CLAIM SETTLEMENT IS “We”, “Our”, “Us” means Zurich Australian Insurance
CALCULATED Limited (ZAIL).
When We pay a claim We consider a number of aspects “You”, “Your”, “Yourself” means the people listed
in calculating the settlement. These include: as adults on the Certificate of Insurance and includes
• the amount of loss or damage or liability; Accompanied Children except on Domestic Cancellation
in which case cover applies on a per person basis only.
• the excess;
Where more than one person is listed as an adult on the
• the maximum benefit limits and sub-limits;
Certificate of Insurance all benefits, limitations, conditions
• reasonable depreciation; and and exclusions will be interpreted as if a separate policy
• the terms and conditions of the policy. was issued to each of the persons listed as an adult other
The following example illustrates how We will calculate than:
claim settlement. a) in the event a claim arising from the one event is made,
• Your new video camera with an original purchase price an excess (if applicable) will only be applied once;
of $3,000 is stolen from a hotel room. b) in the case of luggage item limits which shall be as per a
• You are travelling to New Zealand on Plan A single policy;
The claim settlement would be calculated as follows: c) for SECTION: Amendment Or Cancellation Costs on
• Consider the original purchase price of the video International destination plans (except the Basics Plan
camera – $3,500 (no depreciation applies because the which has no amendment or cancellation cover) where
video camera was new). the limit applies per policy.
• Consider the maximum benefit limit for Luggage and In respect of organised groups, each child not travelling
Travel Documents – $6,000 with their usual guardian must purchase a separate policy.
• Consider the maximum item limit payable for cameras “Accompanied Children” means Your children or
and video equipment – $2,500. This item limit applies in grandchildren who are identified on the Certificate of
this case. Insurance and travelling with You on the Journey, provided
• Consider the excess of $250 in this case which is they are under 12 years of age.
deducted. This results in a claim settlement of $3,250 or “Act of Terrorism” means any act by a person, alone or
We may replace the item. Our choice will have regard with an organisation or foreign government, who:
to the circumstances of Your claim and consider any a) uses or threatens force or violence;
preference You may have. b) aims to create public fear; or
c) aims to resist or influence a government, or has
ideological, religious, ethnic or similar aims.
PART 6: POLICY WORDING 16

“Additional” means the cost of the accommodation d) Is:
or transport You actually use less the cost of the i. chronic or ongoing (whether chronic or otherwise)
accommodation or transport You expected to use had the and medically documented;
Journey proceeded as planned. ii. under investigation;
“Amount Payable” means the total amount payable iii. pending diagnosis; or
for this insurance cover and the amount shown on Your iv. pending test results.
Certificate of Insurance.
“Home” means Your usual place of residence in Australia.
“Computer System” means any computer, hardware,
“Insolvency” means bankruptcy, provisional liquidation,
software, communications system, electronic device
liquidation, insolvency, appointment of a receiver or
(including, but not limited to, smart phone, laptop,
administrator, entry into a scheme of arrangement,
tablet, wearable device), server, cloud or microcontroller
statutory protection, presentation of a petition for the
including any similar system or any configuration of the
compulsory winding up of, stopping the payment of debts
aforementioned and including any associated input, output,
or the happening of anything of a similar nature under the
data storage device, networking equipment or back up
laws of any jurisdiction.
facility, owned or operated by the coach, airline, shipping
“International Waters” means waters outside the
line, cruise line or railway company that You were due to
jurisdiction territory of any country.
travel on.
“Journey” means the period commencing at the time You
“Concealed Storage Compartment” means a boot, glove
leave Home and ceasing at the time You return Home.
box, enclosed centre console, or concealed cargo area of a
motor vehicle. “Natural Disaster” means a major adverse event resulting
from natural processes of the Earth; examples are bushfire,
“Cyber Act” means an unauthorised, malicious or criminal
hurricane, tornado, volcanic eruption, earthquake, tsunami,
act or series of related unauthorised, malicious or criminal
falling object from space (including a meteorite), and in
acts, regardless of time and place, or the threat or hoax
general any extraordinary atmospheric, meteorological,
thereof involving access to, processing of, use of or
seismic, or geological phenomenon. It does not mean an
operation of any Computer System.
Epidemic or Pandemic.
“Cyber Incident” means any:
“On-Piste” means on a marked trail or slope prepared
a) Cyber Act or error or omission or series of related
for the purpose of skiing or snowboarding within the
errors or omissions involving access to, processing of,
boundary of the ski field or ski resort and used in
use of or operation of any Computer System; or
accordance with any regulations published by the ski field
b) Cyber Act including any partial or total unavailability or or ski resort.
failure or series of related partial or total unavailability
“Pandemic” means an Epidemic that is expected to
or failures to access, process, use or operate any
affect an unusually large number of people or involves an
Computer System.
extensive geographic area.
“Disabling Injury, Sickness or Disease” means a disabling
“Period of Insurance” means from the time You
injury, sickness or disease which first shows itself during
commence the Journey or the travel start date shown on
the Period of Insurance and which requires immediate
Your Certificate of Insurance (whichever is later) until the
treatment by a qualified medical practitioner or dentist.
time You complete the Journey or the travel end date
“Epidemic” means a fast-spreading contagious or shown on Your Certificate of Insurance (whichever is the
infectious disease or illness in an area as documented by a earlier).
recognised public health authority.
Cover under SECTION: Amendment Or Cancellation
“Existing Medical Condition” means a disease, illness, Costs begins from the time the policy is issued. The dates
medical or dental condition or physical defect that, at the on Your Certificate of Insurance can only be changed with
Relevant Time, meets any of the following: Our consent.
a) Has required an emergency department visit, “Professional” means undertaking any activity for which
hospitalisation or day surgery procedure within the last financial payment is received from another person or party.
12 months.
“Public Place” means any place the public has access to,
b) Requires: including but not limited to airports, bus terminals, buses,
i. prescription medication from a qualified medical cruise ships, planes, stations, taxis, trains, wharves and
practitioner; beaches, galleries, hostels, hotels, hotel foyers and grounds,
ii. regular review or check-ups; museums, private car parks, public toilets, shops, streets,
iii. ongoing medication for treatment or risk factor restaurants and general access areas.
control; or “Relative” means a person who is Your spouse, de facto;
iv. consultation with a specialist. parent, parent-in-law, stepparent, guardian; grandparent;
c) Has: child, foster child, grandchild; brother, brother-in-law,
i. been medically documented involving the brain, half-brother, stepbrother, sister, sister-in-law, half-sister,
circulatory system, heart, kidneys, liver, respiratory stepsister; daughter, daughter-in-law, stepdaughter, son,
system or cancer; or son-in-law, stepson; fiancé, fiancée; first cousin; uncle, aunt;
ii. required surgery involving the abdomen, back, brain, or niece, nephew.
joints or spine that required at least an overnight
stay in hospital.

“Relevant Time” means the time of issue of the policy. If Your claim is under both sections, the higher special
“Rental Car” means a campervan/motorhome that excess will be deducted. The special excess applies in
does not exceed 6 tonnes, SUV, sedan, station wagon, addition to any other excess. You cannot remove this
hatchback, people mover, coupe, convertible, four-wheel special excess.
drive or mini bus rented from a licensed motor vehicle What that means is, for example, if You chose
rental company or agency. International plan A and claim for Additional
“Terminal Illness” means a medical condition for which accommodation costs and cancellation costs because You
a terminal prognosis has been given by a qualified medical were diagnosed with COVID-19 on Your overseas trip,
practitioner and which is likely to result in death. We would deduct an excess of $750 in total from Your
“Transport Provider” means a properly licensed coach claim. ($250 excess + $500 special excess).
operator, airline, shipping line or railway company. 2. Limits of liability
“Unattended” means not on Your person or within Your The limits of Our liability for each Section of the policy
sight and reach. are the amounts shown in the relevant table for the plan
“Valuables” means articles made of or containing gold, purchased as shown on pages 4-8 except:
silver or precious metals; binoculars; jewellery; mobile a) where the policy limit for SECTION: Amendment Or
phones; photographic, audio, video, tablet computer, Cancellation Costs on International destination plans
computer and electrical equipment of any kind (including applies on a per policy basis and will be shown on Your
but not limited to devices such as drones, computer Certificate of Insurance;
games, portable navigation equipment or media); precious b) where We have notified You in writing of different
stones; smart phones; telescopes and watches. limits such as on Your Certificate of Insurance.
3. Claims
POLICY CONDITIONS
a) You must report any loss or theft of luggage, personal
1. Excess effects, travel documents or money to the police, the
The excess is the first amount of a claim that We will not Transport Provider or accommodation provider as
pay for. It is deducted from Your claim if it is approved by relevant within 7 days of You first becoming aware of
Us. The excess applies per event i.e. If You fall over and the loss or theft. You should obtain a report confirming
need medical treatment, and smashed Your smart phone the incident to submit to Us with Your claim.
in the fall, the excess will be deducted once. b) You must take all reasonable steps to prevent or
Claim example: You have a $250 excess on Your policy. minimise a claim.
If You made a claim for $2,500 under SECTION: Overseas c) You must not make any offer, promise of payment or
Medical and Dental (including emergency repatriation/ admit any liability without Our consent.
evacuation), You already paid the expenses and We d) You must advise Us of any claim or occurrence which
approve Your claim, We would deduct the $250 excess may give rise to a claim as soon as possible and within
from the claim before We paid You. If, via Our emergency 60 days of the return date shown on Your Certificate
assistance team, We approved a claim directly with an of Insurance by sending a completed claim form.
overseas medical provider, We may ask You to pay the e) You must at Your own expense, supply any documents
$250 excess directly to the provider at the time or request in support of Your claim which We may request, such
You to pay it to Us before We can finalise Your claim with as a police report, a Property Irregularity Report (PIR),
the provider. In any event, the total claim We pay is $2,250. receipts, valuations, a repair quote, a death certificate
The excess, if applicable, applies to any claim arising from and/or medical certificate.
a separate event in respect of the sections and excess f) You must co-operate fully in the assessment or
as shown in the benefits tables on pages 4-8, and to the investigation of Your claim.
COVID-19 benefits as relevant, according to the area of g) When making a claim, You are responsible for assisting
travel and plan purchased type purchased. The excess is Us and acting in an honest and truthful manner. If You
the amount shown on Your Certificate of Insurance. make or try to make a false, exaggerated or fraudulent
An additional or higher excess may apply in certain claim or use any false, exaggerated or fraudulent means
circumstances. in trying to make a claim, We will not pay Your claim,
Special excess applicable to COVID-19 claims Your cover under this policy will be voided (without
In addition to the policy excess that applies to the plan any return of the amount You have paid), We may
You purchased a special excess will apply to: report You to the appropriate authorities and You may
be prosecuted.
• SECTION: Additional Expenses if You are diagnosed
with COVID-19 on Your trip: All International plans – h) Where You are a registered entity on Domestic or
$250, Australia – $250 Domestic Cancellation, You may be entitled to an
input tax credit for Your Amount Payable and/or
• SECTION: Amendment or Cancellation Costs if You or
for things covered by this policy. You must disclose
Your travelling companion are diagnosed with COVID-19
these entitlements to Us if You make a claim under
on Your trip: New Zealand, South West Pacific and
Your policy.
Indonesia (including Bali) and International plans – $500,
Australia – $250. (The BASICS COVER does not include
an Amendment or Cancellation Costs benefit).

i) If We agree to pay a claim under Your policy We will 10. Special conditions, limitations, excesses and
base any claim payment on the GST inclusive costs Amounts Payable
(up to the relevant limits of liability). However, We If in the last 5 years You have:
will reduce any claim payment by any input tax credit
a) made 3 or more travel insurance claims;
You are, or would be, entitled to for the repair or
b) had insurance declined or cancelled or had a renewal
replacement of insured property or for other things
refused or claim rejected; or
covered by this policy.
c) been in prison or had any criminal conviction (other
j) We will be entitled, at Our expense, to have You
than driving offences)
medically examined or, in the event of death, a
post‑mortem examination carried out. We will give You cover must be separately applied for and accepted by Us,
or Your legal representative reasonable notice of the and it may be subject to special conditions, limitations,
medical examination. excesses and amounts payable.
We will notify You in writing of these before We issue the
4. If You are able to claim from a statutory fund, policy.
compensation scheme or Transport Provider
11. Policy conditions applying to SECTION:
If You are able to claim from a statutory fund, compensation
scheme (for example a private health fund or workers
Overseas Medical and Dental (including
compensation scheme) or Transport Provider for monies emergency repatriation/evacuation) and
otherwise payable under this policy You must do so and the SECTION: Additional Expenses
policy will only cover the remaining amount. a) We have the option of returning You to Australia
if the cost of medical and/or Additional expenses
5. You must help Us to make any recoveries
overseas are likely to exceed the cost of returning You
We have the right to recover from any other party in Your to Australia subject always to medical advice. We also
name, money payable under the policy or to choose to have the option of evacuating You to another country.
defend any action brought against You. You must provide b) In all cases the cost of evacuation or to bring You back
reasonable assistance to Us. to Australia will only be met if Your claim is approved
6. Claims payable in Australian dollars by Us and it was arranged by and deemed necessary by
All amounts payable and claims are payable in Australian Our emergency assistance network.
dollars at the rate of exchange applicable at the time the c) If We request that You be moved to another hospital,
expenses were incurred. return to Australia or be evacuated to another country
and You refuse, We will only consider:
7. Policy interpretation
(i) Your costs and expenses per Sections 1 and 2 (as
The policy shall be interpreted in accordance with the law of applicable) incurred up to the time of Our request;
the Australian State or Territory in which it is issued. and
8. Emergency assistance (ii) the lesser of:
a) Where Your claim is excluded or falls outside the policy - an amount equivalent to the costs and expenses
coverage, the giving of emergency assistance will not in per Sections 1 and 2 (as applicable) that You
itself be an admission of liability. would have incurred after Our request had
b) The medical standards, sanitary conditions, reliability You moved to another hospital, returned to
of telephone systems and facilities for urgent Australia or been evacuated to another country as
medical evacuations differ from country to country. requested; or
Responsibility for any loss, medical complication or - Your costs and expenses actually incurred after
death resulting from any factor reasonably beyond Our request.
Our control cannot be accepted by Our emergency d) If You are hospitalised We will pay for a share room. If
assistance, Cover-More or Us. a share room is not available We will pay to upgrade
9. Free extension of insurance You to a single room.
e) If You do not hold a return airline ticket an amount
Where Your Journey is necessarily extended due to
equal to the cost of an economy class one way ticket
an unforeseeable circumstance outside Your control,
will be deducted from Your claim for repatriation
Your Period of Insurance will be extended until You are
expenses.
physically able to travel Home by the quickest and most
direct route. The Period of Insurance will not be extended 12. Sanctions regulation
for any other reason. Notwithstanding any other terms or conditions under this
policy, We shall not be deemed to provide coverage and
will not make any payments nor provide any service or
benefit to You or any other party to the extent that such
cover, payment, service, benefit and/or activity of Yours
would violate any applicable trade or economic sanctions,
law or regulation.

THE BENEFITS 2. dental expenses involving the use of precious metals,
whitening or involving cosmetic dentistry.
SECTION: Overseas Medical and Dental 3. the continuation or follow-up of treatment (including
(including emergency repatriation/evacuation) medication and ongoing immunisations) started prior to
Overseas Medical Expenses Your Journey.
If You suffer a Disabling Injury, Sickness or Disease during 4. routine medical or dental treatment or prenatal visits.
Your Journey We will pay the usual and customary cost 5. medical treatment, dental treatment or ambulance
of medical treatment, ambulance transportation and transportation which is provided in Your country
emergency dental treatment which is provided outside of residence.
Australia by or on the advice of a qualified medical 6. private medical or hospital treatment where public
practitioner. funded services or care is available, including medical
Also includes the usual and customary cost of emergency or hospital treatment under any Reciprocal Health
repatriation or evacuation. In all cases the cost of Agreement between Australia and the Government
evacuation or to bring You back to Australia will only be of any other country unless We agree to the private
met if Your claim is approved by Us and it was arranged treatment.
by and deemed necessary by Our emergency assistance Also refer to: General Exclusions – pages 29-31.
network. Policy Conditions – pages 18-19.
Overseas Dental Expenses SECTION: Additional Expenses
If during the Period of Insurance You suffer a Disabling
Injury, Sickness or Disease We will pay the usual and 1. If You Become Sick
customary cost of emergency dental treatment provided Cover is subject to the advice of the treating qualified
outside Australia by or on the advice of a qualified medical medical practitioner and acceptance by Our emergency
practitioner or dentist to relieve pain or temporarily assistance team. If Your claim is coverable, We or Our
restore function. For example, if You have a sore tooth emergency assistance team will not unreasonably withhold
and need a regular filling or if a capped front tooth breaks or delay Our acceptance.
and a temporary cap is required. If during the Period of Insurance You suffer a Disabling
Injury, Sickness or Disease,We will pay the reasonable
Please note
Additional accommodation (room rate only) expenses and
Cover applies for a maximum of 12 months from the date Additional transport expenses, at the same fare class and
of suffering the Disabling Injury, Sickness or Disease. accommodation standard as originally booked, incurred by:
If any costs or expenses are incurred without Our a) You. The benefit ceases when You are able to continue
approval and before contacting Us, We will only cover any Your Journey, travel Home or on the completion of the
such costs or expenses or for any evacuation/repatriation Period of Insurance, whichever is the earlier.
or airfares if We would have approved them up to an
b) Your travelling companion who remains with or escorts
amount We would have otherwise incurred, had contact
You until You are able to continue Your Journey, travel
been made and approval provided.
Home or on the completion of the Period of Insurance,
Overseas medical and dental expenses cover may end less whichever is the earlier.
than 12 months from the date of suffering the Disabling
c) one person (e.g. a Relative) (If You don’t have a
Injury, Sickness or Disease as We do not provide cover
travelling companion with You already) who travels to
if these expenses are incurred outside the Period of
and remains with You following You being hospitalised
Insurance. In certain circumstances The Period of Insurance
as an inpatient. The benefit ceases when You are able
will automatically extend for a period of time – see Policy
to continue Your Journey, travel Home or on the
condition 9. Free extension of insurance on page 19 for
completion of the Period of Insurance, whichever is the
more information.
earlier.
The maximum benefit limit for this section is Room rate only means that other expenses You may
YourCover
shown in the Benefits Table (pages 4-8) relevant incur such as food, drinks, groceries, laundry etc. are not
to Your area of travel and plan purchased as included.
shown on Your Certificate of Insurance. We will also pay the reasonable expenses incurred in
We will not pay for: returning Your Rental Car to the nearest depot if You
1. medical treatment, dental treatment or ambulance suffer a Disabling Injury, Sickness or Disease provided that,
transportation provided in Australia. on the written advice of the treating qualified medical
This exclusion does not apply to medical treatment practitioner, You are unfit to drive it.
provided while on a ship (including cruise ship, We will not pay for:
passenger ship or passenger ferry) even if that ship 1. any costs or expenses incurred prior to You being certified
is within Australian territorial waters. However, this by a qualified medical practitioner as unfit to travel.
additional benefit does not apply to any medical
treatment provided on Australian inland waterways or 2. If You Die
while the ship is tied up in an Australian port. We will pay reasonable overseas funeral or cremation
expenses or the cost of returning Your remains to
Australia if:

a) You die during the Period of Insurance. In either event We will not pay for claims (under this Section
the maximum amount We will pay in total will not point 3) caused by:
exceed $20,000; or 1. an Epidemic, Pandemic or outbreak of an infectious
b) You hold a valid Schengen Visa and You die in a disease or any derivative or mutation of such viruses.
Schengen member state during the Period of Insurance. 2. the sudden disabling injury, sickness or disease or death
In either event the maximum amount We will pay in of a Relative or Your business partner who is not
total will not exceed 30,000EUR for expenses incurred travelling, unless at the Relevant Time that person:
in that Schengen member state.
a) in the last 12 months, had not been hospitalised
3. If a Relative or Your business partner not (including day surgery or emergency department
travelling with You becomes sick attendance) for a condition that was in any way
We will pay reasonable Additional transport expenses at related to, or exacerbated by, the condition that
the same fare class as originally booked if You are required gave rise to the claim;
to return Home due to the sudden disabling injury, b) was not residing in a facility such as a nursing
sickness or disease or death of a Relative or Your business home, an aged care facility, a residential aged care
partner who are not travelling. home, a high and/or low care facility, a privately
owned accommodation facility such as Supported
4. If Your Home Is Destroyed By Fire, Earthquake
Residential Services or Facilities (SRS/SRF) or, a
Or Flood
residential care facility;
We will pay the reasonable Additional transport expenses c) was residing independently at home or in a
at the same fare class as originally booked for Your early retirement home or village, including independent
return Home if it is totally destroyed by fire, earthquake or living arrangements, and they did not require home
flood while You are on Your Journey. care or flexible care services;
5. Other Circumstances d) was not on a waiting list for, or did not know (they
We will pay Your reasonable Additional accommodation needed surgery, inpatient treatment or tests at a
(room rate only) and Additional transport expenses, at the hospital or clinic;
same fare class and accommodation standard as originally e) did not have a drug or alcohol addiction; and
booked, incurred on the Journey due to an unforeseeable f) did not have a Terminal Illness.
circumstance outside Your control and resulting from: If any point a)-f) cannot be met e.g. if Your non-
a) disruption of Your scheduled transport because of travelling Relative was in a nursing home or did have
riot, strike or civil commotion occurring after the a Terminal Illness, which means Your claim would
commencement of the Journey provided You act otherwise be excluded, We will pay no more than
reasonably in avoiding Additional costs; $1,000 under all Sections of the policy combined.
b) disruption of Your scheduled transport because of a Also refer to: General Exclusions – pages 29-31.
Cyber Incident provided You act reasonably in avoiding Policy Conditions – pages 18-19.
Additional costs;
c) loss of passport or travel documents except involving SECTION: Amendment Or Cancellation Costs
government confiscation or articles sent through
the mail; Cancellation cover and COVID-19 benefits
d) a Natural Disaster; For claims related to COVID-19 sub-limits and a special
e) a collision of a motor vehicle, watercraft, aircraft or train excess may apply, and cover is not available on all plans.
in which You are travelling; Please see SECTION: COVID-19 benefits pages 26-29
f) Your scheduled transport being delayed for at least 12 for details.
hours due to severe weather conditions. We will pay If due to circumstances outside Your control and
up to $300 providing confirmation from the Transport unforeseeable at the Relevant Time:
Provider has been obtained. 1. You have to rearrange Your Journey prior to leaving
If You are unable to provide Us with a copy of the Home, We will pay the reasonable cost of doing so
relevant report confirming the delay, You must provide (We will not pay more for rearranging Your Journey
Us with a reasonable explanation and details of the than the cancellation costs which would have been
time and place the delay occurred, including any contact incurred had the Journey been cancelled).
details You were provided with for the provider of the 2. You have to cancel the Journey (where You cannot
scheduled transport. rearrange it prior to leaving Home) We will pay You:
Room rate only means that other expenses You may
incur such as food, drinks, groceries, laundry etc. are not a) the value of the unused portion of Your prepaid
included. travel or accommodation arrangements that are non-
refundable and not recoverable in any other way;
The maximum benefit limit for this section is
YourCover
shown in the Benefits Table (pages 4-8) relevant b) the travel agent’s commission (this is limited to the
to Your area of travel and plan purchased as lesser of $4,000 or the amount of commission the
shown on Your Certificate of Insurance. agent had earned on the prepaid refundable amount
of the cancelled travel arrangements); and

c) the value of frequent flyer or similar flight reward b) was not residing in a facility such as a nursing
points, air miles, redeemable vouchers or similar home, an aged care facility, a residential aged care
schemes lost by You following cancellation of the home, a high and/or low care facility, a privately
services paid for with those points, if You cannot owned accommodation facility such as Supported
recover Your loss in any other way. The amount We Residential Services or Facilities (SRS/SRF) or, a
will pay is calculated as follows: residential care facility);
(i) For frequent flyer or similar flight reward points, c) was residing independently at home or in a
loyalty card points, air miles: retirement home or village, including independent
living arrangements, and they did not require home
- The cost of an equivalent booking, based on the care or flexible care services;
same advance booking period as Your original d) was not on a waiting list for, or did not know they
booking. We will deduct any payment You made needed surgery, inpatient treatment or tests at a
towards the booking and multiply it by the total hospital or clinic;
number of points or air miles lost, divided by the e) did not have a drug or alcohol addiction; and
total number of points or air miles used to make
f) did not have a Terminal Illness.
the booking
If any point a)-f) cannot be met e.g. if Your non-
(ii) For vouchers, the face value of the voucher up travelling Relative was in a nursing home or did have
to the current market value of an equivalent a Terminal Illness, which means Your claim would
booking. otherwise be excluded, We will pay no more than
The proportion of any trip costs for a travelling companion $1,000 under all Sections of the policy combined.
not insured on this policy is not claimable. This applies even 5. the health or death of any other person (not listed in
if the trip was paid for by someone insured on this policy. point 4).
The maximum benefit limit for this section is 6. any contractual or business obligation or Your financial
situation. This exclusion does not apply to claims
YourCover
shown in the Benefits Table (pages 4-8) relevant

to Your area of travel and plan purchased as where You are involuntarily made redundant from
shown on Your Certificate of Insurance. Your permanent full-time or permanent part-time
employment in Australia and where You would not
have been aware before, or at the Relevant Time, that
Please note: This policy does not cover claims the redundancy was to occur.
relating to government travel bans; “Do not 7. failure by You or another person to obtain the relevant
travel” warnings; government directed border visa, passport or travel documents.
closure; or mandatory quarantine or self-isolation
8. errors or omissions by You or another person in a
requirements related to cross area, border, region
booking arrangement.
or territory travel.
9. the standards or expectations of Your prepaid travel
We will not pay for claims caused by: arrangements being below or not meeting the standard
1. Transport Provider caused cancellations, delays or expected.
rescheduling other than when caused by strikes. This 10. the failure of Your travel agent, Our agent who
exclusion does not apply to the unused portion of: issued this policy, any tour operator, transport or
a) any accommodation, day tour or car hire; accommodation supplier or provider (including but
not limited to peer to peer service such as Airbnb
b) an overnight tour or overnight cruise if the leg of
and Uber), person or agency to pass on monies to
transport that is initially delayed or cancelled arrives
operators or to deliver promised services.
at it’s destination more than:
11. a request by Your employer, Your leave application
i. 2 hours later than originally scheduled in respect
being denied, or Your leave being revoked. This
of domestic transport;
exclusion does not apply if You are a full-time member
ii. 3 hours later than originally scheduled in respect of the Australian Defence Force or of federal, state
of international transport. or territory emergency services (e.g. police, fire,
2. Your or any other person’s unwillingness or reluctance ambulance, paramedic) and Your leave is revoked.
to proceed with the Journey or deciding to change 12. a lack in the number of persons required to commence
plans. any tour, conference, accommodation or travel
3. You cancelling or amending Your Journey prior to being arrangements or due to the negligence of a wholesaler
certified by a qualified medical practitioner as unfit to or operator. However, if a tour or river cruise, that
travel. is prepaid and overnight, is cancelled due to a lack of
4. the death or sudden disabling injury, sickness or disease numbers We will pay in respect of Your other prepaid
of a Relative or Your business partner who is not arrangements the lesser of:
travelling, unless at the Relevant Time that person: a) necessary amendment costs; or
a) in the last 12 months, had not been hospitalised b) the non-refundable unused portion of costs if You
(including day surgery or emergency department cancel the trip.
attendance) for a condition that was in any way In any case the most We will pay is the lesser of $800
related to, or exacerbated by, the condition that or Your sum insured under this section of the policy.
gave rise to the claim;

13. customs and immigration officials acting in the course Items
of their duties or You travelling on incorrect travel Communication
documents. devices, all
14. an Act of Terrorism. Jewellery computers, electrical
15. an Epidemic, Pandemic or outbreak of an infectious Age of
(not devices, electronics Any
disease or any derivative or mutation of such viruses. item and
watches or equipment, phones, other
depreciation
Also refer to: General Exclusions – pages 29-31. costume all, photographic items
that applies
Policy Conditions – pages 18-19. jewellery) equipment, smart
watches, tablet
SECTION: Luggage and Travel Documents computers
1. Loss, Theft Or Damage New-24
If during the Period of Insurance Your luggage or personal 0% 0% 0%
months
effects are lost, stolen or damaged, after deducting
depreciation as shown in the depreciation table, We will 25-36
0% 60% 36%
repair the item if it is practical and economic to do so. months
If it is not practical and economic to repair the item and More than
depreciation is not applicable, We will replace the item 0% 60% 60%
36 months
or provide You with a replacement voucher if the item
is available from Our usual suppliers. If the above do not
apply, We will pay You the monetary value of the item. This means depreciation will not be deducted from items
less than 2 years old at the time of loss. Items greater than
If Your prescription medication is lost, stolen or damaged
2 years old will have the percentage amount shown above
during the Period of Insurance We will also pay up to
deducted.
$500 for expenses incurred overseas to replace that
prescription medication. Item limits
If Your prescription medication is lost, stolen or damaged Our payment will not exceed the original purchase price of
during the Period of Insurance We will pay up to $500 for an item with a limit for any one item, set or pair of items
expenses incurred overseas to replace that prescription including attached and unattached accessories of:
medication. Items Limits
It is Your responsibility to provide Us with evidence Phone $1,000
to support Your claim for an item. This is ‘proof of
ownership’. Smart watch $1,000
• We will accept the original or a copy of a purchase Camera $3,500
receipt, invoice and/or bank statement showing the
purchase, the date of the purchase and the amount paid. Video camera $3,500
• We may consider valuation certificates (issued prior to Drone (with or without camera) $1,000
the Relevant Time), ATM receipts and warranty cards
with accompanying bank statement of purchases. Laptop computer $3,000
• We will not accept photographs, packaging or Tablet computer $3,000
instruction manuals as proof of ownership.
Artificial limb $1,000
Depreciation table
This policy operates on an indemnity basis which means Dentures (full or partial) $1,000
settlement of Your claim is based on the value of an item Removable dental appliance $1,000
at the time of the loss.
Medical device $1,000
Depreciation takes into account the amount paid originally
for the item, its age, wear and tear and advances in Jewellery $1,000
technology.
Watch $1,000
We will reduce the value of the items because of age,
wear and tear, and advances in technology according to Any other item $1,000
the table following:
The following are examples of items considered as one item
for the purpose of this insurance (an item limit will apply):
• Camera, lenses, tripods and camera accessories
(attached or not)
• Smart phone and cover/case
• Matched or unmatched set of golf clubs, golf bag and
buggy
• Necklace and pendant
• Charm bracelet and charms.

2. Travel Document Replacement 7. loss, theft or damage to drones (including attached and
We will pay You for the cost of replacing travel documents unattached accessories) while in use.
and credit cards lost or stolen on the Journey. We will also 8. sporting equipment (including bicycles) damaged, lost or
pay for Your legal liability arising from their illegal use. You stolen while in use.
must however, comply with all the conditions of the issue 9. items sent under the provisions of any freight contract
of the document prior to and after the loss or theft. or any luggage forwarded in advance or which is
unaccompanied. This exclusion for unaccompanied
3. Automatic Reinstatement Of Sum Insured
items will be waived if Your claim for lost stolen items
In the event that a claimable loss, or damage to Your can be approved but Your items are found in the
luggage and personal effects is incurred, We will allow You meantime and can be posted to You.
one automatic reinstatement of the sum insured, stated in
10. surfboards or waterborne craft of any description. This
the plan purchased, while on Your Journey.
exclusion does not apply if the item is lost, stolen or
Claim example: damaged while in the custody of a Transport Provider.
A camera purchased for $1,300 was 28 months old 11. damage to fragile or brittle articles unless caused by
when it was stolen. An excess of $250 applies. A claim a fire or motor vehicle collision. This exclusion does
would be calculated as follows. not apply to spectacles; lenses in cameras and video
Item: Camera cost $1,300 when purchased over 2 cameras; laptop and tablet computers; or binoculars.
years ago. 12. damage caused by atmospheric or climatic conditions,
Depreciation: Minus $780 depreciation ($1,300 x 60%) wear and tear, vermin or any process of cleaning,
= $520 repairing, restoring or alteration.
Excess: Minus policy excess $250 (where applicable) 13. electrical or mechanical fault or breakdown.
Total: The total in this case is $270 14. information stored on any electronic device or other
media, including digital photos, downloaded files,
The maximum benefit limit for this section is electronic applications, programmed data, software or
YourCover
shown in the Benefits Table (pages 4-8) relevant any other intangible asset.
to Your area of travel and plan purchased as 15. bonds, coupons, gift cards, stamps, vouchers, warranties,
shown on Your Certificate of Insurance. pre-loaded or rechargeable cards including but not
limited to phone, debit or stored value cards.
We will not pay for:
16. bullion, deeds, insurance premiums, manuscripts,
1. loss or theft that is not reported to the: negotiable instruments, precious metals or securities.
a) police or security personnel; 17. cash, bank or currency notes, postal or money orders.
b) responsible Transport Provider (if Your items are
lost or stolen while travelling with a Transport Also refer to: General Exclusions – pages 29-31.
Provider); or Policy Conditions – pages 18-19.
c) accommodation provider. SECTION: Delayed Luggage Allowance
All cases of loss or theft must be reported as soon International travel (New Zealand, South West Pacific
as possible and within 7 days. A copy of the relevant and Indonesia (including Bali), International and All
report must be submitted for any claim involving loss regions of the world): If all Your luggage is delayed by a
or theft. If You are unable to provide Us with a copy Transport Provider during the Journey for more than 12
of the relevant report, You must provide Us with a hours We will reimburse You up to:
reasonable explanation and details of the time and • $300 per item ($1,000 in total) for underwear, socks,
place You made the report, including their contact toiletries, non-prescription medication and change of
details. shoes and clothing (and a bag) You bought after a 12
2. damage, loss or theft of Valuables placed in the care hour delay and before the luggage was returned to You;
of a Transport Provider unless security regulations and
prevented You from keeping the Valuables with You. • $100 for transport to retrieve Your luggage.
3. items left Unattended in any motor vehicle (for Domestic travel (Australia): If all Your luggage is delayed
example, a car, campervan or motorhome) or towed by a Transport Provider during the Journey for more than
land vehicle overnight even if they were in a Concealed 12 hours We will reimburse You:
Storage Compartment. • for underwear, socks, toiletries, non-prescription
4. items left Unattended in any motor vehicle (for medication and change of shoes and clothing (and a
example, a car, campervan or motorhome) or towed bag) You bought after a 12 hour delay and before the
land vehicle during daylight hours, unless they were luggage was returned to You; and
stored in a Concealed Storage Compartment of a
• up to $100 for transport to retrieve Your luggage.
locked motor vehicle or towed land vehicle and forced
entry was gained.
5. any amount exceeding $500 per item and $2,000 in The original receipts for the items and confirmation of
total for all items left Unattended in any motor vehicle the length of delay from the Transport Provider must be
(for example, a car, campervan or motorhome) or produced in support of Your claim.
towed land vehicle. This section does not apply on the leg of the Journey that
6. items left Unattended in a Public Place. returns You Home.

What You must do if You want to make a claim SECTION: Personal Liability
• Notify Your Transport Provider or their handling We will provide cover if, as a result of Your negligent act
agents of the situation as soon as possible after arriving occurring during the Period of Insurance, You become
at the destination. The quicker You report the fact unintentionally legally liable to pay compensation in respect
Your luggage has been delayed, the better chance the to damage caused to someone else’s property or the
Transport Provider has of finding it and reuniting it with injury or death of someone else.
You promptly. The maximum benefit limit for this section is
YourCover
• Obtain a report from them as soon as possible to give shown in the Benefits Table (pages 4-8) relevant
to Us with Your claim so We have evidence of what to Your area of travel and plan purchased as
happened. shown on Your Certificate of Insurance.
• Get receipts for the essential items You bought to tide We will not pay for:
You over. You need to give Us the receipts proving
1. liability You become liable to pay to somebody who is a
the amount You spent and that You waited at least 12
member of Your family or travelling party or employed
hours before buying essential items. We need receipts
by You or deemed to be employed by You.
so We can reimburse You.
2. liability arising from loss or damage to property which is
The maximum benefit limit for this section is in Your legal custody or control.
YourCover
shown in the Benefits Table (pages 4-8) relevant 3. liability arising from the conduct by You of any
to Your area of travel and plan purchased as profession, trade or business.
shown on Your Certificate of Insurance. 4. liability arising out of the use or ownership by You
We will not pay for: of any aircraft, drone, firearm, waterborne craft or
1. delay that is not reported to the responsible Transport mechanically propelled vehicle.
Provider. All reports must be confirmed in writing by 5. liability arising out of occupation or ownership of any
the Transport Provider at the time of making the report. land, buildings or immobile property.
If You are unable to provide Us with a copy of the 6. liability arising out of any wilful or malicious act.
Transport Provider’s report, You must provide Us with a 7. liability arising out of the transmission of an illness,
reasonable explanation and details of the time and place sickness or disease.
You made the report, including their contact details. 8. liability involving punitive, exemplary or aggravated
Also refer to: General Exclusions – pages 29-31. damages or any fine or penalty.
Policy Conditions – pages 18-19. 9. liability arising out of Your liability under a contract or
agreement unless You would be liable if that contract
SECTION: Rental Car Insurance Excess or agreement did not exist.
This cover applies if You:
Also refer to: General Exclusions – pages 29-31.
a) hire a Rental Car; Policy Conditions – pages 18-19.
b) are the nominated driver on the Rental Car agreement; and
c) have comprehensive motor vehicle insurance for the
Rental Car for the hire period.
If the Rental Car is damaged or stolen while in Your
control during the Journey We will pay the lower of the
Rental Car insurance excess or the repair costs to the
Rental Car that You become liable to pay.
It is Your responsibility to provide the final loss/repair
report to substantiate Your claim.
The maximum benefit limit for this section is
YourCover
shown in the Benefits Table (pages 4-8) relevant

to Your area of travel and plan purchased as
shown on Your Certificate of Insurance.
We will not pay for:
1. damage or theft, arising from the operation of a Rental
Car in violation of the terms of the rental agreement.
2. damage sustained to a Rental Car while it is being
driven on an unsealed surface.
3. administration costs or loss of use penalties.
Also refer to: General Exclusions – pages 29-31.
Policy Conditions – pages 18-19.

SECTION: COVID-19 Benefits
Cover under this policy is extended under the policy Sections listed to include claims arising from
COVID-19 in the circumstances, and under the conditions, listed.
Please note:
• Some benefits only apply if You are travelling in Australia and New Zealand.
• This policy does not cover claims relating to government travel bans; “Do not travel” warnings; government directed
border closure; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory
travel.
• Cruise Travel: Some benefits do not apply to claims involving travel on a multi-night cruise.
Special excess applicable to COVID-19 claims
In addition to the policy excess that applies to the plan You purchased a special excess will apply to:
• SECTION: Additional Expenses if You are diagnosed with COVID-19 on Your trip: All International plans – $250,
Australia – $250
• SECTION: Amendment or Cancellation Costs if You or Your travelling companion are diagnosed with COVID-19 on
Your trip: New Zealand, South West Pacific and Indonesia (including Bali) and International plans – $500, Australia –
$250. (The BASICS COVER does not include an Amendment or Cancellation Costs benefit).
If Your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to
any other excess. You cannot remove this special excess.
SECTION: Overseas Medical and Dental However, there is no cover while travelling on a multi-
(including emergency repatriation/evacuation) night cruise.
Cover is for reasonable Additional accommodation
The maximum benefit limit for the benefits in
expenses (room rate only) and Additional transport
this section are shown in the Benefits Table
YourCover
expenses, at the same accommodation standard and

(pages 4-8) relevant to Your area of travel and
fare class as originally booked. Room rate only means
plan purchased as shown on Your Certificate of
that other expenses You may incur such as food, drinks,
Insurance.
groceries, laundry etc. are not included.
• If You are diagnosed with COVID-19 In addition to the policy excess that applies to the plan
This section is extended to include cover if You are You purchased a special excess will apply to SECTION:
overseas and diagnosed with COVID-19 by a qualified Additional Expenses if You are diagnosed with COVID-19
medical practitioner during the Period of Insurance. on Your trip: All International plans – $250, Australia –
However, there is no cover while travelling on a multi- $250 and to SECTION: Amendment or Cancellation
night cruise. Costs if You or Your travelling companion are diagnosed
We will not pay for: with COVID-19 on Your trip: New Zealand, South West
Pacific and Indonesia (including Bali) and International plans
• claims arising from COVID-19 if the country or part
– $500, Australia – $250. (The BASICS COVER does not
of the country You travelled to was subject to “Do
include an Amendment or Cancellation Costs benefit). If
not travel” advice on the smartraveller.gov.au website
Your claim is under both sections, the higher special excess
at the time You entered the country or part of the
will be deducted.
country. (This exclusion only applies if the (or one
of the) reason(s) for the advice was the presence of We will not pay for (under point 1a):
COVID-19). This exclusion will not apply if Your trip • claims arising from COVID-19 if the country or part
destination is Australia or New Zealand. of the country You travelled to was subject to “Do
• claims caused by COVID-19 while travelling on a multi- not travel” advice on the smartraveller.gov.au website
night cruise. at the time You entered the country or part of the
SECTION: Additional Expenses country. (This exclusion only applies if the (or one
of the) reason(s) for the advice was the presence of
The maximum benefit limit for this section is:
COVID-19). This exclusion will not apply if Your trip
International plans $Unlimited destination is Australia or New Zealand.
YourCover
• claims caused by COVID-19, while travelling on a multi-

Australia plan $10,000^ night cruise.
^Combined limit of SECTION: Additional Expenses and SECTION:
Amendment Or Cancellation Costs.
1a. If You are diagnosed with COVID-19 on Your
trip and admitted to hospital
This section is extended to include cover if You are
diagnosed with COVID-19 during the Period of Insurance
and incur Additional transport and/or accommodation
costs.

SECTION: Additional Expenses 3. If a Relative or Your business partner not
The maximum benefit limit for this section is: travelling with You becomes sick
This section is extended to include cover if Your
International plans $2,500
YourCover
non‑travelling Relative or business partner who resides in

Australia or New Zealand is diagnosed with COVID-19
Australia plan $2,500 and the treating doctor confirms in writing the level of
infection is life threatening.
Cover is for reasonable Additional accommodation You must obtain and provide Us with evidence from the
expenses (room rate only) and Additional transport qualified medical practitioner and receipts. Exclusions 1 and
expenses, at the same accommodation standard and fare 2 of ‘We will not pay for claims (under this Section point 3)
class as originally booked, up to the limit shown in the caused by’ on page 21 will be waived in this event.
table above. Room rate only means that other expenses We will not pay for (under point1b and point 2):
You may incur such as food, drinks, groceries, laundry etc.
• claims where the country or part of the country You
are not included.
travelled to was subject to “Do not travel” advice
1b. If You test positive to COVID-19 and need to on the smartraveller.gov.au website at the time You
self-isolate entered the country or part of the country. (This
This section is extended to include cover if You test exclusion only applies if the (or one of the) reason(s)
positive to COVID-19 during the Period of Insurance and for the advice was the presence of COVID-19). This
You are required to self-isolate as per the current local exclusion will not apply if Your trip destination is
health authority regulations. Australia or New Zealand.
However, there is no cover while travelling on a • claims caused by COVID-19 or the threat, or perceived
multi‑night cruise. threat, of COVID-19, while travelling on a multi-night
In addition to the policy excess that applies to the plan cruise.
You purchased a special excess will apply to SECTION: SECTION: Amendment Or Cancellation Costs
Additional Expenses if You are diagnosed with COVID-19 The maximum benefit limit for this section is:
on Your trip: All International plans – $250, Australia –
$250 and to SECTION: Amendment or Cancellation Plan B Plan A
Costs if You or Your travelling companion are diagnosed NEW ZEALAND No cover $3,000
with COVID-19 on Your trip: New Zealand, South West
Pacific and Indonesia (including Bali) and International plans SOUTH WEST PACIFIC AND
No cover $3,000
INDONESIA
– $500, Australia – $250. (The BASICS COVER does not
YourCover
include an Amendment or Cancellation Costs benefit). If INTERNATIONAL No cover $5,000

Your claim is under both sections, the higher special excess
AUSTRALIA No cover $2,500
will be deducted.
2. If You Die ALL REGIONS OF THE
No cover No cover
WORLD (BASICS COVER)
This section is extended to include cover if the cause of
death is COVID-19. See SECTION: Additional Expenses
The limit applies per policy.
point 2 on page 20 for the benefit limit. However, there
is no cover while travelling on a multi‑night cruise. • If You or Your travelling companion are diagnosed
with COVID-19 prior to departure
In addition to the policy excess that applies to the plan
You purchased a special excess will apply to SECTION: This section is extended to include cover if You cannot
Additional Expenses if You are diagnosed with COVID-19 travel because You or Your travelling companion are
on Your trip: All International plans – $250, Australia – diagnosed in Australia with COVID-19. Exclusion 15 of
$250 and to SECTION: Amendment or Cancellation ‘We will not pay for claims caused by’ on page 23 will
Costs if You or Your travelling companion are diagnosed be waived in this event.
with COVID-19 on Your trip: New Zealand, South West If You bought Your policy within the 21 days
Pacific and Indonesia (including Bali) and International plans before Your scheduled trip departure date, We
– $500, Australia – $250. (The BASICS COVER does not will only cover the travel costs that You paid for:
include an Amendment or Cancellation Costs benefit). If • in the 48 hour period before buying Your
Your claim is under both sections, the higher special excess policy; and
will be deducted. • after buying this policy.
(What that means is, for example, if You booked and
paid for Your trip in full 6 months ago and then bought
this policy a week before Your departure date, there will
be no cover available if You cannot travel because You
or Your travelling companion are diagnosed in Australia
with COVID-19.)

SECTION: Amendment Or Cancellation Costs We will not pay for claims caused by:
The maximum benefit limit for this section is: • or arising from You travelling to a country or part of a
country, which was subject to “Do not travel” advice
Plan B Plan A
on the smartraveller.gov.au website at the time You
NEW ZEALAND $2,500 $3,000 entered the country or part of the country. (This
exclusion only applies if the (or one of the) reason(s)
SOUTH WEST PACIFIC AND
INDONESIA
$2,500 $3,000 for the advice was the presence of COVID-19). This
exclusion will not apply if Your trip destination is
YourCover
INTERNATIONAL $2,500 $5,000 Australia or New Zealand.

AUSTRALIA $2,500 $2,500 • COVID-19 while travelling on a multi-night cruise.
BENEFITS THAT APPLY ONLY FOR TRAVEL IN
ALL REGIONS OF THE
No cover No cover
WORLD (BASICS COVER) AUSTRALIA OR NEW ZEALAND
The limit applies per policy. SECTION: Additional Expenses
• If Your non-travelling Relative or business partner The maximum benefit limit for this section is:
residing in Australia or New Zealand becomes sick
due to COVID-19 International plans $2,500
YourCover
This section is extended to include cover if You need to
amend or cancel Your Journey because Your non-travelling Australia plan $2,500
Relative or business partner who resides in Australia
or New Zealand is diagnosed by a qualified medical 5. Other Circumstances
practitioner with COVID-19 and the treating doctor This section is extended to include cover for the following
confirms in writing the level of infection is life threatening. COVID-19 related circumstances.
Exclusions 4 and 15 of ‘We will not pay for claims • If the person You were due to stay with in Australia
caused by’ on page 23 will be waived in this event. or New Zealand has COVID-19
• If You are an essential health care worker whose This section is extended to include cover if the person
leave is revoked and that means You can’t go on You were due to stay with in Australia or New Zealand
Your trip is diagnosed with COVID-19 and is directed or required
This section is extended to include cover if You to enter into a period of quarantine because of this
are deemed an essential health care worker under and You can no longer stay with them, and this was
Australia’s COVID-19 rules (i.e. a pharmacist, nurse, unforeseeable at the Relevant Time.
doctor, paramedic or other health care professional) We will pay up to $150 per night for Additional
and Your leave is revoked by Your employer due to accommodation expenses that You incur for alternative
COVID-19 related reasons and that means You can’t accommodation.
go on Your trip. A letter or email from Your employer Exclusions 1 and 2 of ‘We will not pay for claims (under
is required to support a claim. Exclusions 11 and 15 of this Section point 3) caused by:’ on page 21 will be
‘We will not pay for claims caused by’ on page 23 will waived in this event.
be waived in this event. You must obtain and provide Us with evidence from
• If You or Your travelling companion are diagnosed the qualified medical practitioner or relevant local
with COVID-19 on Your trip authority (as applicable), evidence of Your original
This section is extended to include cover if You cannot accommodation arrangements and receipts for the new
continue Your trip because You or Your travelling accommodation.
companion are diagnosed with COVID-19 or are • If Your prepaid accommodation in Australia or New
individually contacted by a local public health authority and Zealand is shut down
are directed into a period of quarantine during the Period This section is extended to include cover if, after the
of Insurance. Exclusion 15 of ‘We will not pay for claims Relevant Time, the prepaid accommodation You had
caused by’ on page 23 will be waived in this event. planned to stay at in Australia or New Zealand is shut
However, there is no cover if any part of Your Journey down or closed due to a COVID-19 outbreak on the
included travel on a multi-night cruise. premises and hygiene measures are required, which
In addition to the policy excess that applies to the plan was unforeseeable at the Relevant Time, We will pay
You purchased a special excess will apply to SECTION: Additional expenses (in the same class as originally
Additional Expenses if You are diagnosed with booked) that You incur for alternative accommodation.
COVID-19 on Your trip: All International plans – $250, A letter or email from the accommodation provider and
Australia – $250 and to SECTION: Amendment or receipts are required to support a claim.
Cancellation Costs if You or Your travelling companion We will not pay for claims (under this Section
are diagnosed with COVID-19 on Your trip: New point 3) caused by:
Zealand, South West Pacific and Indonesia (including
Bali) and International plans – $500, Australia – $250. • or arising from COVID-19 when You are travelling to
(The BASICS COVER does not include an Amendment any country other than Australia or New Zealand.
or Cancellation Costs benefit). If Your claim is under
both sections, the higher special excess will be
deducted.

SECTION: Amendment Or Cancellation Costs GENERAL EXCLUSIONS
This section is extended to include cover for the following Unless otherwise indicated these exclusions on pages
COVID-19 related circumstances. 29-31 apply to all Sections of the policy. They are
The maximum benefit limit for this section is: listed in no particular order.
Plan B Plan A We will not pay for:
NEW ZEALAND $2,500 $3,000
1. any other loss, damage or additional expenses following
on from the event for which You are claiming that is
SOUTH WEST PACIFIC AND
$2,500 $3,000 not covered under this insurance. Examples of such
INDONESIA loss, damage or additional expense would be the cost
YourCover
INTERNATIONAL $2,500 $5,000 of replacing locks after losing keys, costs incurred in
preparing a claim or loss of enjoyment.
AUSTRALIA $2,500 $2,500
2. claims arising from loss, theft or damage to property,
ALL REGIONS OF THE or death, illness or bodily injury if You fail to take
No cover No cover
WORLD (BASICS COVER) reasonable care or put Yourself in a situation where
a reasonable person could foresee that loss, theft or
The limit applies per policy. damage to property, or a death, illness or bodily injury
• If the person You were due to stay with in Australia might happen.
or New Zealand has COVID-19 3. claims involving air travel other than as a passenger on a
This section is extended to include cover if the person fully licensed passenger carrying aircraft operated by an
You were due to stay with in Australia or New Zealand airline or an air charter company.
is diagnosed with COVID-19 and is directed or required 4. claims arising as a result of war, invasion, act of foreign
to enter into a period of quarantine because of this enemy, hostilities (whether war be declared or not),
and You can no longer stay with them, and this was civil war, rebellion, revolution, insurrection or military or
unforeseeable at the Relevant Time. We will pay up to usurped power.
$150 per night for Additional accommodation expenses 5. claims which are in any way related to ionising
that You incur for alternative accommodation. radiation or radioactive contamination caused by
You must obtain and provide Us with evidence from nuclear fuel or waste, or the radioactive, toxic
the qualified medical practitioner or relevant local explosive or other dangerous properties of any
authority (as applicable), evidence of Your original explosive nuclear equipment.
accommodation arrangements and receipts for the new 6. claims arising from biological and/or chemical materials,
accommodation. Exclusions 4, 5 and 15 on page 22 substances, compounds or the like used directly for the
of ‘We will not pay for claims caused by’ will be waived purpose to harm or to destroy human life and/or create
in this event. public fear.
• If Your prepaid accommodation in Australia or New 7. loss or damage caused by detention, confiscation or
Zealand is shut down destruction by customs or other officials or authorities.
This section is extended to include cover if the prepaid 8. claims arising from any unlawful act committed by You.
accommodation You had planned to stay at in Australia 9. claims arising from any government intervention,
or New Zealand is shut down or closed due to a prohibition, sanction, regulation or restriction or court
COVID-19 outbreak on the premises. A letter or order.
email from the accommodation provider is required to 10. claims which in any way relate to circumstances You
support a claim. Exclusions 10 and 16 of ‘We will not knew of, or a person in Your circumstances would
pay for claims caused by’ on page 22 will be waived in have reasonably known or foreseen, at the Relevant
this event. Time, that could lead to the Journey being delayed,
• If Your prepaid holiday activity in Australia or New abandoned or cancelled.
Zealand is closed 11. claims which in any way relate to, or are exacerbated
If the destination activity venue in Australia or New by, any physiological or psychological signs or
Zealand (e.g. ski venue, theme park or cooking symptoms that You were aware of or a person in Your
school) is closed due to a COVID-19 outbreak on circumstances reasonably should have been aware of at
the premises You can claim a refund on the unused, or before the Relevant Time, if You:
prepaid, non-refundable tickets. A letter or email from a) had not yet sought a medical opinion regarding the
the operator is required to support a claim. Exclusion 15 cause;
of ‘We will not pay for claims caused by’ on page 22 b) were currently under investigation to obtain a
will be waived in this event. diagnosis; or
We will not pay for claims caused by: c) were awaiting specialist opinion.
• or arising from COVID-19 when You are travelling to
any country other than Australia or New Zealand.
End of SECTION: COVID-19 Benefits

12. claims arising from travel booked or undertaken by You: b) taking into account the following, where available:
a) even though You knew, or a reasonable person in i. the report of a medical practitioner or forensic
Your circumstances would know, You were unfit expert;
to travel, whether or not You had sought medical ii. the witness report of a third party;
advice; iii. Your own admission; or
b) against the advice of a medical practitioner; iv. the description of events You described to Us or
c) to seek, or obtain, medical or dental advice, the treating medical professional (e.g. paramedic,
treatment or review; or nurse, doctor) as documented in their records.
d) to participate in a clinical trial. 21. claims arising from the failure of any travel agent,
13. claims relating to, arising from, or exacerbated by, any tour operator, accommodation provider, airline or
Existing Medical Condition: other carrier, car rental agency or any other travel
a) if You have an international plan: You or Your or tourism services provider to provide services
travelling companion has; or or accommodation due to their Insolvency or the
b) if You have a domestic plan: of a traveller apart Insolvency of any person, company or organisation they
from You or Your travelling companion travelling deal with.
on the same itinerary as You. 22. claims involving You travelling (during the Journey)
14. claims arising from pregnancy of You or any other in International Waters in a private sailing vessel or a
person if You are aware of the pregnancy at the privately registered vessel.
Relevant Time and: 23. claims involving participation by You or Your travelling
a) where complications of this pregnancy or any companion (during the Journey) in hunting; rodeo
previous pregnancy had occurred prior to this time; riding; BASE jumping; motocross; freestyle BMX riding;
b) it was a multiple pregnancy e.g. twins or triplets; or running with the bulls; sports activities in a Professional
capacity, mountaineering using guides, ropes, rock
c) where the conception was medically assisted e.g.
climbing equipment or oxygen; trekking greater than
using assisted fertility treatment including hormone
6000 metres above sea level; scuba diving to a depth of
therapies or IVF.
30 metres below the surface unless You hold an Open
15. claims arising from: Water Diving Certificate or are diving with a qualified
a) pregnancy of You or any other person after the diving instructor; or, scuba diving if the maximum depth
start of the 24th week of pregnancy; or is greater than 50 metres below the surface.
b) pregnancy of You or any other person where 24. claims involving participation in closed circuit triathlon;
the problem arising is not an unexpected serious outdoor rock climbing; trekking that reaches an altitude
medical complication. 4000 metres or more above sea level (unless less
16. claims arising from childbirth or the health of a newborn than 6000 metres above sea level, the trek takes less
child whatever the proximate cause of the claim is. This than 2 days to complete and no specialist climbing
exclusion applies irrespective of the stage of pregnancy equipment is required); or trekking the Kokoda Track.
at which the child is born. 25. claims involving participation by You (during the
17. claims arising from You having elective medical or Journey) in motorcycling or moped riding for any
dental treatment or surgery, a cosmetic procedure or purpose where:
body modification (e.g. tattoos and piercings) during the a) the motorcycle/moped had an engine capacity of
Journey, such as any complication, even if Your Existing more than 250cc;
Medical Condition has been approved by Us. b) while in control of a motorcycle or moped You did
18. claims which in any way relate to Your wilful or self- not hold a valid Australian motorcycle rider’s licence
inflicted injury or illness, suicide or attempted suicide. or Australian motor vehicle driver’s licence;
19. claims which in any way relate to Your: c) while You were a passenger the driver holds a valid
a) chronic use of alcohol; licence for riding that vehicle;
b) substance abuse, drug abuse (whether over the d) You were participating in a Professional capacity;
counter, prescription or otherwise); or e) You were racing; or
c) ingestion of any non-prescription drug or substance f) You were participating in motocross.
(e.g. marijuana, ecstasy, heroin). 26. any benefit, or provide cover, if the provision of
20. claims involving, arising from or related to Your a payment, benefit or cover would result in Us
impairment due to You drinking too much alcohol: contravening the Health Insurance Act 1973 (Cth),
a) which is evidenced by the results of a blood test the Private Health Insurance Act 2007 (Cth) or the
which show that Your blood alcohol concentration National Health Act 1953 (Cth) or any applicable
level is 0.19% or above. (The level of alcohol in legislation (whether in Australia or not) or where We
Your blood is called blood alcohol concentration do not have the necessary licenses or authority to
(BAC). As a point of reference, a BAC of 0.19% is provide such cover.
almost four times the legal driving BAC limit range
in Australia which is currently 0.05%); or

27. any costs or expenses incurred if a government or
public health authority mandatory quarantine or
General Information
isolation order is imposed on You related to cross area,
border, region or territory travel. This exclusion only THE FINANCIAL CLAIMS SCHEME
applies to COVID-19 and applies regardless of You If the insurer becomes insolvent, You may be entitled to
being diagnosed with COVID-19 or being directed by a payment under the Financial Claims Scheme (FCS). Access
local public health authority into a period of quarantine to the FCS is subject to eligibility criteria. Please visit
because they have classified You as having close contact www.fcs.gov.au for information.
with a person diagnosed with COVID-19.
28. claims arising from or caused by COVID-19, unless
ADDITIONAL POLICY INFORMATION
cover is extended as stated in SECTION: COVID-19
Benefits. The insurance We offer You is set out in the PDS and
Policy Wording. It is important that You are aware of the:
29. claims for costs or expenses incurred outside the
Period of Insurance. This exclusion does not apply • limits on the cover provided and the amounts We will
to benefit Sections SECTION: Luggage and Travel pay You (including any excess that applies);
Documents, SECTION: Rental Car Insurance Excess, • Words with special meaning found in the Policy
and SECTION: Personal Liability. Wording on pages 16-18;
• maximum benefit limits shown in the relevant “Benefits
table” on pages 4-8; and
• Policy Conditions and General Exclusions found in the
Policy Wording on pages 18-31.
CHANGE OF TERMS AND CONDITIONS

From time to time and where permitted by law, We may
change parts of the Combined FSG/PDS. We will issue
a new Combined FSG/PDS or a Supplementary FSG or
PDS or other compliant document to update the relevant
information except in limited cases. Any updates which
are not materially adverse to You from the view of a
reasonable person deciding whether to buy this insurance,
may be found on www.covermore.com.au. You can obtain
a paper copy of any updated information without charge
by calling 1300 72 88 22.
GENERAL INSURANCE CODE OF

PRACTICE
We are a signatory to the General Insurance Code of
Practice (the Code) and support the Code. The objectives
of the Code are:
• to commit Us to high standards of service;
• to promote better, more informed relations between
Us and You;
• to maintain and promote trust and confidence in the
general insurance industry;
• to provide fair and effective mechanisms for the
resolution of complaints and disputes You make about
Us; and
• to promote continuous improvement of the general
insurance industry through education and training.
The Code Governance Committee is an independent
body that monitors and enforces insurers compliance with
the Code.
Further information about the Code or the Code
Governance Committee and Your rights under it is available
at insurancecouncil.com.au/cop/ or by contacting us.
PART 7: GENERAL INFORMATION 31

CANCELLING YOUR POLICY AND Who we disclose Your personal information to
REFUNDS We may disclose Your personal information to other
If You cancel Your policy within a cooling-off period of 21 parties and service providers for the purposes noted
days after You are issued Your Certificate of Insurance, above.
You will be given a full refund of the premium You paid, The other parties and service providers include:
provided You have not started Your Journey or You do • insurers and reinsurers;
not want to make a claim. • medical providers, travel providers and Your
After this period You can still cancel Your policy. We travel consultant;
will refund to You a proportion of the premium for • our lawyers and other professional advisers;
the unexpired period of cover (less any non-refundable • our related companies and other representatives or
government charges and taxes that We have paid and are contractors who we have hired to provide services or
not recoverable). to monitor the services provided by us or our agents,
You are not entitled to a refund if You have started Your our products or operations; and/or
Journey, You want to make a claim, or exercise any other • other parties we may be able to claim or recover against
right under Your cover. or other parties where permitted or required by law.
To cancel Your cover please contact the issuing agent. Additional parties and service providers are detailed in
Alternatively, You may contact Cover‑More by calling the Cover-More Privacy Policy and the insurer’s Privacy
1300 72 88 22 (within Australia) or by emailing Statement. The contractual arrangements that we have
enquiries@covermore.com.au. in place with these parties and service providers generally
include an obligation for them to comply with Australian
WE RESPECT YOUR PRIVACY privacy laws.
In this Privacy Notice the use of “we”, “our” or “us” means We may need to disclose personal information about You
Cover-More and the insurer, unless specified otherwise. to other parties and service providers, some of whom
may be located in overseas countries. Who they are may
Why Your personal information is collected change from time to time.
We collect Your personal information (including sensitive Generally these recipients will be located in the overseas
information) for the purposes of: countries You travelled to over the duration of Your policy
• identifying You and conducting necessary checks; and Your claim. These recipients would usually be service
• determining what services or products we can provide providers such as medical providers, providers of travel
to You and/or others; related services, investigators, assessors and facilitators or
• issuing, managing and administering services and our related entities that carry out services on our behalf
products provided to You and/or others including claims in relation to Your policy and Your claim. Further details
investigation, handling and payment; and of these types of recipients are set out in the Cover-More
• improving services and products e.g. training and Privacy Policy and the insurer’s Privacy Statement.
development of representatives, product and We may not always be able to take reasonable steps to
service research, data analysis and business strategy ensure that these recipients comply with the Privacy Act.
development. Some of the countries where these recipients are based may
Cover-More also collects Your personal information for not offer the same protection or obligations that are offered
the purpose of providing special offers of other services by the Act in Australia. By acquiring the services and products
and products that might be of interest to You. from us You agree that You may not be able to seek redress
under the Act, or from us and/or from the recipients in
How Your personal information is collected overseas countries, or to the extent permitted by law.
We may collect Your personal information through You and any other traveller included on the policy consent
websites from data You, or Your travel consultant, input to these uses and disclosures unless You tell Cover-More,
directly or through cookies and other web analytic tools, using the contact details following.
via email, by fax, by telephone or in writing.
Your choices
We collect personal information directly from You unless:
If You choose not to provide Your personal information
• You have consented to collection from someone else;
and/or choose not to consent and/or withdraw Your
• it is unreasonable or impracticable for us to do so; or
consent to the use and disclosure of Your personal
• the law permits us to collect from someone else. information set out in this Privacy Notice at any stage, we
We also collect additional personal information from may not be able to provide our services or products or
other third parties to provide You with our services and manage and administer services and products to You and/
products. or others.
If You provide personal information to us about another If You wish to withdraw Your consent including for things
person You must only do so with their consent and agree such as receiving information on products and offers or
to make them aware of this Privacy Notice. Your travel consultant receiving personal information
about Your policy and coverage, please call Cover‑More
on 1300 72 88 22.

More information COMPLAINTS AND DISPUTES
For more information about how Your personal RESOLUTION PROCESS
information is collected, used or disclosed, how to access We and Cover-More are committed to resolving any
or seek correction to Your personal information or how complaint or dispute fairly.
to make a complaint and how such a complaint will be
If You have a complaint about an insurance product We
handled, please contact us or refer to the relevant website.
issued or the service You have received (from us or one
Cover-More Privacy Officer of our representatives), please contact us. We will put
Cover-More Insurance Services Pty Ltd You in contact with someone who can help to resolve the
Mail: Private Bag 913, North Sydney NSW 2059 Australia complaint. You can talk over the phone, email or write:
Email: privacy.officer@covermore.com.au • Call: Cover-More on 1300 72 88 22
Call: 1300 72 88 22 • Mail: Private Bag 913, North Sydney NSW 2059
Website: www.covermore.com.au/covermore_privacy_policy Australia
• Email: customerrelations@covermore.com.au
ZAIL Privacy Officer
We will acknowledge receipt of Your complaint within 24
Zurich Australian Insurance Limited hours or as soon as practicable.
Mail: PO Box 677, North Sydney NSW 2059 If You are not satisfied with our initial response, You may
Email: privacy.officer@zurich.com.au use our Internal Dispute resolution process. To obtain a
Call: 132 687 copy of our procedures, please contact us.
Website: www.zurich.com.au/important-information/privacy We expect that our internal dispute resolution process
will deal fairly and promptly with Your complaint, however,
You may take Your complaint to the Australian Financial
Complaints Authority (AFCA) at any time.
AFCA is an independent dispute resolution scheme. We
are a member of this scheme and We agree to be bound
by its determinations about a dispute. AFCA provides fair
and independent financial services complaint resolution
that is free to You.
Their contact details are:
Australian Financial Complaints Authority
Call: 1800 931 678 (free call)
Email: info@afca.org.au
Mail: The Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001
Website: afca.org.au
If Your complaint or dispute falls outside the AFCA rules,
You can seek independent legal advice or access any other
external dispute resolution options that may be available
to You.

Financial Services The Agent, and/or its associates
The Agent and/or its associates are paid a fee and/
Guide or commission by Cover‑More for arranging Your
This Financial Services Guide (FSG) is an important travel insurance policy. This amount is paid out of the
document designed to help You decide whether to use commission that Cover‑More receives from the insurer.
the financial services offered. The Agent’s employees may receive salaries, bonuses and/
It contains information about how Cover-More Insurance or company dividends in their own business depending on
Services Pty Ltd ABN 95 003 114 145, AFSL 241713 the nature of their employment. Bonuses may be linked to
(Cover‑More) administers and arranges the policy directly general overall performance, including sales performance
or through its authorised representative or distributor and may include all or part of the commission received by
(Agent). the Agent.
The Agent, and/or its associates, may also receive other
What financial services are provided?
financial and non-financial incentives from Cover‑More
Cover-More holds an Australian Financial Services Licence for arranging Your travel insurance policy. Such incentives
that allows both Cover-More and the Agent to provide may be dependent on a number of performance related
You with factual information (distributors) or general or other factors and may include, for example, a share
financial product advice (authorised representatives) about of Cover‑More’s profit, bonus payments, prize pools,
this travel insurance product and to arrange this product sponsorship of training events and conferences, marketing
for You. Cover-More is responsible for the provision of promotions and competitions.
these services. The Agent is an authorised representative
Further information
or distributor of Cover-More.
The Agent acts on behalf of Cover‑More and Zurich For more information about remuneration or other
Australian Insurance Limited (the insurer), the issuer of this benefits received for the financial services provided, please
product. Cover‑More acts under a binder authority from ask the Agent within a reasonable time of receiving this
the insurer. This means that Cover-More (and the Agent FSG and before You choose to buy this product.
acting on behalf of Cover‑More), can arrange this policy Complaints
and Cover-More can handle or settle claims on behalf of If You have a complaint about the financial services
the insurer. Cover‑More and the Agent act for the insurer provided by Cover‑More or the Agent please refer to the
when providing these services. You can find full details of PDS for details of the complaint resolution process.
Cover‑More and the insurer on page 15 of the PDS. What professional indemnity insurance
Cover‑More and the Agent are not authorised to give You arrangements do we have in place?
personal advice in relation to travel insurance. Any advice
Cover‑More holds professional indemnity insurance
given to You about travel insurance will be of a general
covering errors and mistakes relating to the provision of
nature only and will not take into account Your personal
financial services provided by Cover‑More, its employees,
objectives, financial situation or needs. You need to
the Agent and the Agent’s employees (even after they
determine whether this product meets Your travel needs.
cease to be employed). Cover‑More’s policy meets the
How are we paid? requirements of the Corporations Act.
Cover‑More Who is responsible for this document?
Cover‑More is paid a commission by the insurer when The Agent is responsible for the distribution of the FSG
You buy this travel insurance policy. This commission is in this document. The insurer is responsible for the PDS.
included in the premium that You pay and is received Cover‑More has authorised the distribution of this FSG.
after You have paid the premium. The commission is a
percentage of the premium. This Combined FSG and PDS was prepared 16 August 2022.
Cover‑More may also receive a share of the profit earned
by the insurer if the insurer makes an underwriting profit
in accordance with the underwriting targets it has set. This
amount is calculated and paid retrospectively only when
the insurer exceeds its underwriting targets in a given year.
Cover‑More employees are paid an annual salary and may
be paid a bonus based on business performance.

Notes
Customer Service and Claims
1300 72 88 22
enquiries@covermore.com.au
P19_Flight Centre YourCover Integrated_PSUN-019084-2022_02
PDS Issue 6 (FYI)

Date prepared: 16 August 2022
© 2022 Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713

International Plan B 723100234799

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Effective 21 September 2022

ABOUT THIS COVER 3

NEW ZEALAND - BENEFITS TABLE 4

SOUTH WEST PACIFIC AND INDONESIA (INCLUDING BALI) - BENEFITS TABLE 5

INTERNATIONAL - BENEFITS TABLE 6

DOMESTIC (AUSTRALIA) - BENEFITS TABLE 2

ALL REGIONS OF THE WORLD (LAST MINUTE COVER) - BENEFITS TABLE 8

3 TRAVEL AND HEALTH 11

EXISTING MEDICAL CONDITIONS 11

HEALTH OF OTHER PEOPLE IMPACTING YOUR TRAVEL (NON-TRAVELLER) 13

4 ASSISTANCE AND CLAIMS 14

NEW ZEALAND - BENEFITS TABLE

NEW ZEALAND - Plan B NEW ZEALAND - Plan A

Policy Benefits Single Trip Single Trip

Overseas Medical and Dental $Unlimited~ $250 $Unlimited~ $250

Additional Expenses* $Unlimited $250 $Unlimited $250

Luggage and Travel Documents* $12,000 $250 $12,000 $250

Delayed Luggage Allowance* $1,100 $250 $1,100 $250

Rental Car Insurance Excess $5,000 – $5,000 –

Personal Liability $3,000,000 – $3,000,000 –

Motorcycle / Moped Riding Cover ✘ ✘

PART 2: THE COVER 4

SOUTH WEST PACIFIC AND INDONESIA (INCLUDING BALI) - BENEFITS TABLE

Overseas Medical and Dental $Unlimited~ $250 $Unlimited~ $250

Additional Expenses* $Unlimited $250 $Unlimited $250

Amendment or Cancellation Costs* $Nil – $3,000 per policy $250

Luggage and Travel Documents* $12,000 $250 $12,000 $250

Delayed Luggage Allowance* $1,100 $250 $1,100 $250

Rental Car Insurance Excess $Nil – $Nil –

Personal Liability $3,000,000 – $3,000,000 –

Motorcycle / Moped Riding Cover ✔ ✔

PART 2: THE COVER 5

INTERNATIONAL - BENEFITS TABLE

INTERNATIONAL - Plan B INTERNATIONAL - Plan A

Overseas Medical and Dental $Unlimited~ $250 $Unlimited~ $250

Additional Expenses* $Unlimited $250 $Unlimited $250

Luggage and Travel Documents* $12,000 $250 $12,000 $250

Delayed Luggage Allowance* $1,100 $250 $1,100 $250

Rental Car Insurance Excess $Nil – $5,000 –

Personal Liability $3,000,000 – $3,000,000 –

Motorcycle / Moped Riding Cover ✔ ✔

PART 2: THE COVER 6

AUSTRALIA - BENEFITS TABLE

AUSTRALIA - Plan B AUSTRALIA - Plan A

Luggage and Travel Documents* $12,000 $25 $12,000 $25

Delayed Luggage Allowance $Nil – $250 $25

Rental Car Insurance Excess $Nil – $10,000 –

Personal Liability $Nil – $200,000 –

Motorcycle / Moped Riding Cover ✔ ✔

*Sub-limits apply. Luggage item limits apply. See page 9.

PART 2: THE COVER 7

ALL REGIONS OF THE WORLD (BASICS COVER) - BENEFITS TABLE

BASIC COVER - Plan B BASIC COVER - Plan A

Overseas Medical and Dental $Unlimited~ $500 $Unlimited~ $250

Additional Expenses* $Unlimited $500 $Unlimited $250