Traveller Insure Annual policy has 2 plans for you to choose from:
|Plan Type||Covered Locations under each Plan|
|Worldwide excl. Cuba for US Citizens||Worldwide (excluding Cuba for US Citizens)|
Under the Traveller Insure Annual policy, covered journeys under the Worldwide plan are limited to ninety 90 days. Covered journeys under the Domestic plan are limited to forty-five (45) days.
For journeys exceeding this period, consider the Traveller Insure One Trip policy as trips of up to 6 months can be covered.
You will also need to select either Single Cover or Joint Cover:
|Who can be Covered|
|Single Cover||Cover for the Insured and Dependent Children and two (2) other Unrelated Children provided they are travelling with the Insured on a Journey.|
|Joint Cover||Cover for the Insured and Spouse/Partner and Dependent Children and two (2) Unrelated Children provided they are travelling with the Insured on a Journey.|
Dependent Children and two (2) Unrelated Children are covered for free when the Insured purchases this Policy. There is no restriction on the number of Dependent Children covered, but all Dependent Children and Unrelated Children must be named on the Policy.
The maximum benefit amount We will pay for claims by You (the Insured) and any other persons covered including Dependent Children and Unrelated Children) is twice the benefit shown in the table below.
The following table summarises the benefits We can provide. Please refer to the Traveller Insure Annual Policy Wording and Product Disclosure Statement (PDS) for detailed descriptions of the cover and the terms, condition and exclusions.
Maximum benefit limits apply, as summarised in this table. Where specified, sub limits also apply.
If You are travelling with Dependent Children and/or two (2) Unrelated Children on either Single or Joint Cover, the maximum benefit amounts We will pay for claims by You and any other persons covered (including the Dependent Children and/or two (2) Unrelated Children) is twice the benefit shown in the table below.
The references to Sections is to the relevant Section in the PDS.
Excess: The excess is the first amount of a claim which You must bear. We do not pay for this amount.
- The Policy excess is $100 for international plans. (GST is not applicable for international plans).
- The Policy excess is $50 for domestic plans (including GST).
|Annual Summary of Benefits Table|
|Schedule of Benefits||Worldwide Plan||Domestic Plan|
|1) Overseas Medical and Dental Expenses
(please refer to section 1)
|2) Additional Expenses||Unlimited||$15,000|
|2.1 Resumption of Journey
|2.2 Special Events
|2.4 If You Die
(please refer to Section 2)
|3) Loss of Deposits and Cancellation Charges||$50,000||$10,000|
|i) Travel Agent's Cancellation Fee
(please refer to Section 3)
|Lesser of $750 or 15% of the refundable amount||Lesser of $750 or 15% of the refundable amount|
|4) Luggage and Travel Documents||$10,000||$5,000|
|4.1 Loss, Theft or Damage
a) Item Limit (each item)
|b) Video & Electrical Equipment (sub limit)||$3,500||$1,500|
|4.2 Delayed Luggage Allowance|
|a) More than 24 hours
|b) More than 72 hours
(please refer to Section 4)
|5) Replacement of Money
(please refer to Section 5)
|6) Rental Vehicle Excess
(please refer to Section 6)
|7) Travel Delay
(please refer to Section 7)
|8) Flight Delay|
|a) More than 4 hours||$100||Not Applicable|
|b) More than 12 hours
(please refer to Section 8)
|9) Cash in Hospital|
|a) Daily Amount||$100||Not Applicable|
|b) Maximum Amount
(please refer to Section 9)
|10) Public Transport Hijacking and Kidnapping|
|a) Daily Amount||$1,000||Not Applicable|
|b) Maximum Amount
(please refer to Section 10)
|11) Personal Liability
(please refer to Section 11)
|12) Accidental Loss of Life & Permanent Loss
Maximum amount for Dependent Children:
|a) Accidental Loss of Life||$1,000||$1,000|
|b) Permanent Loss
(please refer to Section 12)
|Due to legislation in Australia, medical expenses for treatment and services provided in Australia are not payable under this Policy.|
|Important Information about Travel Insurance|
|You are not aware of any circumstance which is likely to give rise to a claim before You take up this insurance.|
|You are a resident of Australia.|
|Cover is available for Journeys taken during the Period of Insurance, subject to your Policy terms, conditions and exclusions. Please note that some benefits are not available for domestic Journeys or parts of Journeys.|
|Journey means the period commencing at the time You leave Your Home to start Your journey and ceasing at the time You return to Your Home, provided the journey:
Adults - From eighteen (18) years of age, up to and including sixty nine (69) years of age. However, You will be covered if You are seventy (70) years of age, provided You commenced the Journey before Your seventieth (70th) birthday.
Dependent Children - up to and including eighteen (18) years of age, or up to and including twenty-one (21) years of age if full-time students at an accredited institution of higher learning and primarily dependent upon the Insured for maintenance and support.
Unrelated Children - up to and including eighteen (18) years of age, or up to and including twenty-one (21) years of age if full-time students at an accredited institution of higher learning.
|Medical expenses for treatment and services rendered in Australia are not payable under this Policy.|
* Cover is subject to the terms, conditions, exclusions and limits as set out in the relevant PDS.