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Selecting Your Cover Traveller Insure Annual Policy

Traveller Insure Annual policy

Traveller Insure Annual policy has 2 plans for you to choose from:

Coverage Options
Plan Type Covered Locations under each Plan
Worldwide excl. Cuba for US Citizens Worldwide (excluding Cuba for US Citizens)
Domestic Australia Only

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.

SUMMARY OF BENEFITS

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)
Unlimited Not Applicable
2) Additional Expenses Unlimited $15,000
2.1 Resumption of Journey
(sub limit)
$3,000 $3,000
2.2 Special Events
(sub limit)
$2,000 $2,000
2.4 If You Die
(sub limit)
(please refer to Section 2)
$10,000 $10,000
3) Loss of Deposits and Cancellation Charges $50,000 $10,000
i) Travel Agent's Cancellation Fee
(sub limit)
(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)
$1,000 $1,000
b) Video & Electrical Equipment (sub limit) $3,500 $1,500
4.2 Delayed Luggage Allowance    
a) More than 24 hours
(sub limit)
$500 $500
b) More than 72 hours
(sub limit)
(please refer to Section 4)
$1,000 $1,000
5) Replacement of Money
(please refer to Section 5)
$300 Not Applicable
6) Rental Vehicle Excess
(please refer to Section 6)
$3,000 $3,000
7) Travel Delay
(please refer to Section 7)
$1,200 $850
8) Flight Delay    
a) More than 4 hours $100 Not Applicable
b) More than 12 hours
(please refer to Section 8)
$200 Not Applicable
9) Cash in Hospital    
a) Daily Amount $100 Not Applicable
b) Maximum Amount
(please refer to Section 9)
$10,000 Not Applicable
10) Public Transport Hijacking and Kidnapping    
a) Daily Amount $1,000 Not Applicable
b) Maximum Amount
(please refer to Section 10)
$15,000 Not Applicable
11) Personal Liability
(please refer to Section 11)
$3,000,000 $2,000,000
12) Accidental Loss of Life & Permanent Loss
Maximum amount for Dependent Children:
$25,000 $25,000
a) Accidental Loss of Life $1,000 $1,000
b) Permanent Loss
(please refer to Section 12)
$10,000 $10,000
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:
  1. commences while this Policy is in force; and
  2. has either an interstate or overseas destination or, if intrastate (i.e. within the State You normally reside) involves You travelling more than a one-hundred (100) kilometre radius from Your Home; and
  3. is for a period not greater than ninety (90) consecutive days International Plan or forty-five (45) days Domestic Plan.

Age Limit:

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.

Traveller Insure is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001, AFSL No. 239687 (Chubb). Fairfax Media Publications Pty Limited (ABN 33 003 357 720) (Fairfax) is an authorised representative of Chubb(AR No 000277278 ). Chubb and Fairfax provide general advice only and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the Traveller Insure One Trip Cover Combined Policy Wording and Product Disclosure Statement (PDS) and the Traveller Insure Annual Cover Combined Policy Wording and Product Disclosure Statement (PDS). Please also see the Chubb Financial Services Guide and Chubb Privacy Policy.

* Cover is subject to the terms, conditions, exclusions and limits as set out in the relevant PDS.