Young Starter Overseas Travel Insurance Conditions of Use

Transcription

1 Young Starter Overseas Travel Insurance Conditions of Use Page 1 of 35

2 Contents About The Insurance Cover... 3 Claims Enquiry and Contact Helpline... 4 Duty of Disclosure... 4 Complaints and Dispute... 5 Privacy Notice... 6 Overseas Travel Insurance... 9 Important matters and conditions General Conditions Definitions: General Exclusions Section 1: Cancellation, Overseas Medical, Dental and Extra Expenses Section 2: Luggage, Personal Effects and Travel Documents Section 3: Personal Liability Section 4: Rental Vehicle Excess Section 5: Accidental Death and Loss of Income Section 6: Hijack and Detention Section 7: Missed Connection Section 8: Kidnap and Ransom What to do in the event of a claim Emergency and Medical Assistance Service - Travel Guard Page 2 of 35

3 Overseas Travel Insurance ABOUT THE INSURANCE COVER This Overseas Travel Insurance cover is available under a Master Policy (Policy number ) issued to The Hospitals Contribution Fund of Australia Ltd ( HCF ) ACN , 403 George Street, Sydney NSW 2000, by AIG Australia Limited, (AIG) ABN AFSL , of Level 12, 717 Bourke Street, Docklands, Victoria 3008 you are however the beneficiary under the Policy For the purposes of this insurance cover, HCF is a group purchasing body (under ASIC Class Order CO 08/1) and has arranged this coverage with AIG. HCF is not the issuer of the Overseas Travel Insurance Master Policy or the underlying insurance cover and neither HCF nor any of its related corporations guarantee any of the benefits under this insurance cover. This means that any eligible claim you make under the Master Policy will be covered and paid by AIG. Neither HCF nor any of its related corporations are Authorised Representatives or Financial Service Licensees under the Corporations Act 2001(Cth) and is not authorised to provide any financial advice in connection with the insurance cover. You will need to consider whether you should obtain your own financial advice from a person who can provide such advice under an Australian Financial Services Licence. This insurance cover is provided at no additional cost to the eligible policyholder and HCF does not receive any commission or remuneration from AIG for arranging this Overseas Travel Insurance cover. HCF is obliged to promptly notify you if: i. the Overseas Travel Insurance cover will no longer provide coverage. However no notification is required if substantially similar coverage applies or will apply for such for the coverage period (or remainder of such period); or ii. the coverage provided to you is, or likely to be, cancelled or not renewed. Please note if you are not provided with such notification, HCF is liable to compensate you for any loss or damage you may suffer as a result of their failure to notify you. Please also note that you are able to verify the current status of your coverage and whether the Master Policy is still current by contacting either AIG at or HCF at service@hcf.com.au or call If you require copies of these terms and conditions, please contact either AIG or HCF by way of the above contact details. Please note that even if the Master Policy is terminated, AIG will continue to meet claims for the insurance cover, provided you had a valid claim prior to such termination. Page 3 of 35

4 The insurance cover provided under the Young Starter Overseas Travel Insurance Conditions of Use does not include the benefits as prescribed under the Insurance Contracts Act 1984 (Cth) and are only available when the Eligibility Criteria have been met. If you wish to make a claim under this cover, you will be bound by the definitions, terms, conditions, exclusions, limitations and claims procedures applicable to this insurance cover. Therefore please read this document carefully to ensure that you understand the scope of the insurance cover provided and keep it in a safe place for future reference. Please also keep detailed particulars, receipts and proof of any loss you suffer and proof of your eligibility for this insurance cover. There are also specific conditions, specific exclusions and specific definitions that only apply to a specific section or benefit In addition, there are general conditions, general exclusions, general claims conditions and general definitions that are part of the insurance cover and apply to each part of the insurance cover. AIG will not pay more than the sum insured or limit of liability for each benefit. AIG will not be liable under more than one section of the policy in respect of liability, loss or damage arising from the same happening in respect of the same liability, loss or damage. CLAIMS ENQUIRY AND CONTACT HELPLINE In the event of loss or damage, please contact AIG at or visit to lodge a claim online or download a claim form. DUTY OF DISCLOSURE Your duty of disclosure Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions. You have this duty until we agree to insure you. If you do not tell us something If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed. Your duty of disclosure for renewals Before you renew this contract of insurance, you have a duty of disclosure under the Insurance Contracts Act If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions. Also, we may give you a copy of anything you have previously told us and ask you to tell us if it has changed. If we do this, you must tell us about any change or tell us that there is no change. If you do not tell us about a change to something you have previously told us, you will be taken to Page 4 of 34

5 have told us that there is no change. You have this duty until we agree to renew the contract. If you do not tell us something If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed. COMPLAINTS AND DISPUTE How we will handle your complaint We strive to provide an efficient, honest, fair and transparent standard of service at all times. We recognise that occasionally mistakes or misunderstandings can happen. If this is the case, we realise that you will want to let us know and may wish to make a complaint. If you make a complaint we will make sure that your concerns are addressed as quickly as possible. What should you do if you have a complaint? You can register a complaint by telephoning us on , lodging your complaint on our website, or by writing to: The Compliance Manager AIG Australia Limited Level 12, 717 Bourke Street Docklands VIC 3008 As soon as we receive your complaint we will take all possible steps to resolve it. You will receive a written response to your complaint within 15 working days, unless we agree a longer timeframe with you. What should you do if you are not happy with our response to your complaint? If you are not satisfied with our response to your complaint, you may wish to have the matter reviewed by our Internal Dispute Resolution Committee ( Committee ). The Committee is comprised of Senior Management of the company who have the experience and authority to decide on matters brought to the Committee. If you wish to have your complaint reviewed by this Committee please telephone or write to the person who has signed the response letter to your complaint and provide them with detailed reasons for requesting the review. This information will greatly assist the Committee in reviewing your claim or enquiry. Your complaint will then be treated as a dispute. You may also make a request for a review by the Committee by contacting: The Chairperson IDRC AIG Australia Limited Level 12, 717 Bourke Street Docklands VIC 3008 Page 5 of 34

6 A written response setting out the final decision of the Committee and the reasons for this decision will be provided to you within 15 working days of the date you advise us you wish to take your complaint to IDRC. If we are unable to provide a written response setting out the final decision we will keep you informed of progress at least every 10 days. If you are not satisfied with the finding of the Committee, or if we have been unable to resolve your complaint within 45 calendar days, you may be able to take your matter to an independent dispute resolution body, the Financial Ombudsman Service ( FOS ). This external dispute resolution body can make decisions with which AIG are obliged to comply. Contact details are: Financial Ombudsman Service GPO Box 3 Melbourne, VIC 3001 Tel: (local call fee applies) info@fos.org.au Internet: You should note that use of the FOS scheme does not preclude you from subsequently exercising any legal rights, which you may have if you are still unhappy with the outcome. Before doing so however, we strongly recommend that you obtain independent legal advice. If your complaint does not fall within the Financial Ombudsman Service s terms of reference, we will advise you to seek independent legal advice or give you information about any other external dispute resolution options (if any) that may be available to you. CODE OF PRACTICE AIG is a signatory to the General Insurance Code of Practice. This aims to raise the standards of practice and service in the insurance industry, improve the way that claims and complaints are handled and help people better understand how general insurance works. Information brochures on the Code are available upon request. Privacy Notice This notice sets out how AIG collects, uses and discloses personal information about: i. you, if an individual; and ii. other individuals you provide information about. Further information about our Privacy Policy is available at or by contacting us at australia.privacy.manager@aig.com or on How we collect your personal information AIG usually collects personal information from you or your agents. Page 6 of 34

7 AIG may also collect personal information from: our agents and service providers; other insurers; people who are involved in a claim or assist us in investigating or processing claims, including third parties claiming under your policy, witnesses and medical practitioners; third parties who may be arranging insurance cover for a group that you are a part of; providers of marketing lists and industry databases; and publically available sources. Why we collect your personal information AIG collects information necessary to: underwrite and administer your insurance cover; maintain and improve customer service; and advise you of our and other products and services that may interest you. You have a legal obligation under the Insurance Contracts Act 1984 to disclose certain information. Failure to disclose information required may result in AIG declining cover, cancelling your insurance cover or reducing the level of cover, or declining claims. To whom we disclose your personal information In the course of underwriting and administering your policy we may disclose your information to: entities to which AIG is related, reinsurers, contractors or third party providers providing services related to the administration of your policy; banks and financial institutions for policy payments; assessors, third party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim; other entities to enable them to offer their products or services to you; and government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, United Kingdom, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as well as any country in which you have a claim and such other countries as may be notified in our Privacy Policy from time to time. You may request not to receive direct marketing communications from AIG. Access to your personal information Our Privacy Policy contains information about how you may access and seek correction of personal information we hold about you. In summary, you may gain access to your personal information by submitting a written request to AIG. In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful. Page 7 of 34

8 Complaints Our Privacy Policy also contains information about how you may complain about a breach of the applicable privacy principles and how we will deal with such a complaint. Consent If applicable Your application includes a consent that you and any other individuals you provide information about consent to the collection, use and disclosure of personal information as set out in this notice. Financial Claims Scheme The protection provided under the Federal Government s Financial Claims Scheme (the Scheme) applies to the Policy. In the unlikely event that the Insurer is unable to meet its obligations under the Policy, persons entitled to make a claim under the insurance cover under the Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at Page 8 of 34

9 Overseas Travel Insurance For the purposes of this insurance cover, travel by Australian residents to and/or from Norfolk Island, Lord Howe Island, Cocos Islands or Christmas Island will be regarded as overseas travel. However, medical and hospital expenses will not be covered if such expenses are incurred within Australia or in any other location where Australia s Private Health Insurance Act 2007 (Cth) (or equivalent legislation) applies. Schedule of Benefits and Sums Insured Benefits Maximum Sum Insured for each eligible policyholder, or dependent child, per journey unless specifically stated otherwise Section 1 Cancellation, Overseas Medical, Dental and Extra Expenses Section 2 Luggage, Personal Effects and Travel Documents Section 3 Personal Liability Section 4 Rental Vehicle Excess Section 5 Accidental Death and Loss of Income Section 6 Hijack and Detention Section 7 Missed Connection Section 8 Kidnap and Ransom Unlimited subject to the following sub-limits: Travel agent s cancellation fees - up to $500 Bed care patient overseas - $50 per 24 hour period up to a maximum of $5,000 Travel delay - maximum $750 any one covered person or $1,500 in total for a family any one delay period. Maximum of $10,000 any one covered person or $20,000 in all for a family subject to the following sub-limits: Maximum limit of $2,000 for any one item, set or pair of items Laptop computers maximum limit of $6,000 inclusive of all accessories Emergency luggage replacement maximum limit of $300 any one covered person or $600 in total for a family $2,500,000 $2,000 per event $100,000 for an eligible policyholder $20,000 for a dependent child Up to $1,000 per week if the eligible policyholder is an income earner (subject to a maximum benefit period of 13 weeks) $100 per day up to a maximum of $6,000 $2,000 $250,000 EXCESS we will not pay the first $200 of each and every claim arising from the same event under sections 1 (except for sub-sections 3.1, 3.4 and 3.6), 2 (except for sub-sections 2 and 3) and 3. Page 9 of 34

10 Important matters and conditions Please note the following important terms and conditions Agreement We will provide you with the insurance cover subject to the terms, conditions, exclusions and limitations set out in this document. Eligibility Criteria You are eligible for cover under this Overseas Travel Insurance if you are an eligible policyholder and are aged 74 years and under. Please note: In the event of a claim, you will be required to provide documentation to support your eligibility. Age Limit This Overseas Travel Insurance provides cover to eligible policyholders who are under 74 years of age. Pre-existing Medical Condition(s) This insurance cover does not provide any benefits for preexisting medical condition(s). Limits of Liability Our liability for each section is limited to the sums insured specified for each section, as shown in the Schedule of Benefits and Sums Insured ( Schedule ). Sub-limits may apply refer to the Schedule and the applicable section. Commencement of Cover Cover only applies whilst you meet the Eligibility Criteria stated above. Cover for cancellation benefits under section 1 will commence at the latest of the time you first meet the Eligibility Criteria or the time you pay for your travel, in part or in full, for the journey. Cover for all other benefits will commence from the time you commence your journey, as defined on page 13. For cover to apply your journey must commence and conclude in Australia. Cessation of Cover Cover will cease at the earliest of when you no longer meet the Eligibility Criteria or the master policy is cancelled. However, if you are travelling on a journey at the time that the cover ceases, the cover will continue for the period of journey, subject to the terms and conditions of the Overseas Travel Insurance. Luggage The maximum sum insured is $2,000 per item, set or pair of items and $6,000 for laptop computers, inclusive of all accessories. Excess You will be required to pay the first $200 for each and every claim arising from any one event under sections 1 (except for sub-sections 3.1, 3.4 and 3.6), 2 (except for sub-sections 2 and 3) and 3. Safety of your belongings You must take all reasonable precautions to safeguard your property. Leaving personal belongings unattended in public places encourages theft and as such is not a reasonable precaution. Page 10 of 34

11 All Losses under the luggage and travel documents cover must be reported to the authorities within twenty four (24) hours of the discovery of the loss and a written acknowledgment obtained. Receipts for claimable expenses and items purchased by you must be retained to support your claim. It is recommended that, for security purposes, receipts for purchases be kept separately from the items obtained. Exclusions you should take special note of the Definitions, General Conditions, General Exclusions and those portions of each section headed In addition to the General Exclusions applying to all sections of the cover, we will not pay in each section of this document. Words with a special meaning are shown in this document in bold, italic font. General Conditions General At the time this insurance cover becomes effective you must be fit to travel and not be aware of any circumstance which could lead to cancellation or disruption of the journey, otherwise any subsequent claim could be jeopardised. Australian law This insurance cover shall be interpreted in accordance with the law of the state or territory in which the eligible policyholder resides and be subject to the jurisdiction of the courts of that state or territory. Currency All amounts shown are in Australian dollars. If expenses are incurred in a foreign currency, then the rate of currency exchange used to calculate the amount payable will be the rate at the time of the claimant incurring the expense or suffering the loss. Commencement of cover Overseas Travel Insurance will apply whilst you meet the Eligibility Criteria stated on page 9. Cover for cancellation benefits under section 1 will commence at the latest of: (a) the time you first meet the Eligibility Criteria; or (b) the time you pay for your travel, in part or in full, for a journey. Cover for benefits under sections 2 to 8 will commence from the time you commence your journey. Cancellation of Master Policy AIG and HCF may terminate the Overseas Travel Insurance master policy at any time. HCF will notify all eligible policyholders on or before the date of such termination. Page 11 of 34

12 Cessation of cover Overseas Travel Insurance will cease at the earliest of: (a) when you no longer meet the Eligibility Criteria stated on page 9; or (b) the master policy is cancelled. Provided however that, if you are travelling on a journey at the time the cover ceases, the cover will continue for your journey, subject to the terms and conditions of the Overseas Travel Insurance. Other insurance Except for section 5 Accidental Death, there is no cover provided under this Overseas Travel Insurance for any loss or event or liability which is covered under any other insurance, health or medical scheme or Act of Parliament or is payable by any other source. We will however pay the difference between what is payable under the other insurance, health or medical scheme or Act of Parliament or such other source and what you would otherwise be entitled to recover under this cover, where permissible at law. Claim against you You must immediately provide us with full particulars of any claim made against you by any other person, all legal documents served on you and allow us the sole option to negotiate settlement of, or defend, the claims in your name. You must assist us even after we have paid your claim if we want to defend you against an allegation. This could include attending court to give evidence. Subrogation You cannot claim from both us and someone else unless we are only making up the difference between your loss and the amount you have recovered from someone else. If you are able to claim from someone else and we have also paid you, then you must refund us: (a) (b) the amount we paid you if they pay you the full amount of your loss; or where the sum of the amount we paid you and the amount you recovered from someone else is greater than your loss, the difference between such sum and your loss. You must assist us even after we have paid your claim if we want to recover the amount of any payment from anyone who caused you to suffer loss or damage or to defend you against an allegation. This could include attending court to give evidence. You must not start any legal action for recovery of amounts which are the subject of a claim without first telling us. Fraudulent claims If any claim is in any respect fraudulent or if any fraudulent means or devices are used by you or anyone acting on your behalf to obtain any benefit under this insurance cover then any amount payable in respect of such claim shall be forfeited. Any benefits already paid to you must be repaid in full. Page 12 of 34

13 Definitions: Words with a special meaning are shown in this document in bold, italic font. Bed care patient means you are necessarily confined to bed (such confinement must commence during the journey) for a continuous period of not less than twenty four (24) hours and your confinement is certified as necessary by a legally qualified and registered medical practitioner and you are under the continuous care of a registered nurse (other than yourself or a member of your family). You are not a bed care patient if you are a patient in any institution used primarily as a nursing or convalescent home, a place of rest, a geriatric ward, a mental institution, rehabilitation or external care facility or a place for the care or treatment of alcoholics or drug addicts. Conveyance means an aircraft, vehicle, train, vessel or other public transportation that is licensed to carry fare-paying passengers. Dependent child / children means a child or children nominated on the eligible policyholder s Policy and who also meets the following criteria: (a) nominated unmarried children of an eligible policyholder from birth to the age of 19 who are primarily dependent upon the eligible policyholder for maintenance and support and who travel with the eligible policyholder on the journey; or (b) nominated unmarried children of an eligible policyholder from the age of 19 up to the age of 25 who are full-time students attending an accredited institution of higher learning in Australia, and are dependent on the eligible policyholder for their maintenance and support and always live with the eligible policyholder when they are not attending the accredited institution of higher learning and who travel with the eligible policyholder on the journey. For the purposes of this Definition, the references to child and children includes a stepchild or stepchildren and a legally adopted child or children. Eligible policyholder(s) means a person who: (a) has purchased from HCF and HCF has issued to such person a Policy; (b) (c) is nominated as the contributor or the contributor s nominated Spouse under a Policy and such person or Spouse of such person is a permanent resident of Australia Family(ies) means the eligible policyholder(s) and dependent children. Financial default means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction. Page 13 of 34

14 HCF means The Hospitals Contribution Fund of Australia Ltd, ACN Injury means a physical injury, caused by violent, external and visible means, which occurs fortuitously whilst the insurance cover is in force and which results, solely, directly and independently of any pre-existing condition or other cause, in any of the events specified in the Overseas Travel Insurance cover within twelve (12) calendar months of the date of its occurrence. Master policy - means the policy issued by us to HCF which extends the benefit of the insurance cover set out in this document to the eligible policyholder(s). Young Starter Policy means any current Young Starter policy issued by HCF whilst the Master policy is in force Young Starter policyholder - means the permanent resident of Australia to whom HCF has issued a Young Starter policy and is nominated as the contributor or the contributor s nominated Spouse under the Young Starter policy. Period of journey, journey means the shorter period commencing from the time you leave your place of residence in Australia to travel overseas, until: (a) (b) the time you return to your place of residence in Australia; or the expiry of ninety (90) consecutive days following the time that you leave your place of residence in Australia to travel overseas. The maximum duration of coverage is ninety (90) consecutive days. For cover to apply, your journey must commence and conclude in Australia. Pre-existing medical condition(s) means any medical or dental condition of yours, your travelling companion, relative or any other person that may cause you to claim, which in the thirty (30) days before your travel was booked, or in the thirty (30) days before your journey starts: required treatment, investigation (whether or not a diagnosis has been made), medication or advice from a doctor, chiropractor, physiotherapist, naturopath, psychiatrist or psychologist; or you were aware of, or could be expected to have been aware of, that may lead to a claim under this insurance cover. Pre-existing medical condition(s) also means a chronic or on-going medical or dental condition. Public place includes, but is not limited to, shops, airports, train stations, bus stations, streets, hotel foyers and grounds, restaurants, beaches, public toilets, and any place to which the public has access. Relative means your spouse, parent, parent-in-law, grandparent, step-parent, uncle, aunt, sister, sister-in-law, brother, brother-in-law, daughter, step-daughter, daughter-in-law, son, step-son, son-in-law, grandchild, guardian, fiancé, fiancée, half-brother, half-sister, niece or Page 14 of 34

15 nephew, all resident in Australia or New Zealand. Spouse means your legal or de facto spouse or a partner of either gender, with whom you have continuously cohabited for a period of three (3) consecutive months or more immediately preceding the journey. Terrorist act means any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts. Terrorism shall also include any act which is verified or recognised by the (relevant) government as an act of terrorism. Travelling companion means the person(s) you arranged to travel with before you left your residence in Australia to commence your journey. This person must be a permanent resident of Australia or New Zealand, and be travelling with you for at least fifty percent (50%) of your journey. Unaccompanied means, in relation to luggage, personal effects or travel documents: sent or left somewhere else by you so that they are not travelling with you on your journey. Unattended includes, but is not limited to, not on your person at the time of loss, left with a person other than your travelling companion, left in a position where it can be taken without your knowledge including on the beach or beside the pool while you swim, leaving it at a distance where you are unable to prevent it from being unlawfully taken. War means war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. We, our, us means AIG Australia Limited, ABN You, your, yourself means the eligible policyholder(s) and includes dependent children. Page 15 of 34

16 Excess You must pay the first $200 of each and every claim arising from the same event under: Section 1 Cancellation, Overseas Medical, Dental and Additional Expenses (except for subsections 3.1, 3.4 and 3.6). Section 2 Luggage, Personal Effects and Travel Documents (except for sub-sections 2 and 3) Section 3 Personal Liability. Page 16 of 34

17 General Exclusions We will not pay under any section of this insurance cover for claims arising directly or indirectly out of: 1. war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power. 2. nuclear explosion including all effects thereof; or radioactive contamination caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste caused by the combustion and or ongoing combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any nuclear equipment or component thereof. 3. the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. 4. riot or civil commotion unless you have already left Australia or you have paid for your travel and accommodation and your cover was in force prior to the riot or civil commotion. 5. any professional sporting activities. 6. parachuting, BASE jumping, sky diving or travel in any other air supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This General Exclusion does not apply to hot air ballooning or parasailing. 7. (a) racing (other than on foot), or (b) mountaineering involving the use of ropes or guides, rock-climbing, or (c) underwater activities involving the use of underwater breathing apparatus (unless you hold an open water diving certificate or are diving with a qualified instructor), or (d) motor cycling outside Australia (unless you are riding a motorcycle with an engine capacity of 200cc or less and hold a motorcycle licence which is valid in the country you are in, but always excluding motorcycle racing), or (e) hunting. 8. deliberate exposure to exceptional danger unless in an attempt to preserve your own life or the life of others. 9. your or any other person s suicide, attempted suicide or intentional self-injury. 10. your or any other person s psychological or psychiatric condition. 11. your or any other person s nervous disorder, anxiety disorder, depression or stress related disorders. 12. sexually transmitted disease of any sort, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Relating Complex (ARC) or Human Immunodeficiency Virus (HIV). 13. you having a blood alcohol content over the prescribed legal limit when driving or operating any motor vehicle, and/or being under the influence of any drug other than a drug administered by, or in accordance with the advice of, a legally qualified medical practitioner. Page 17 of 34

18 14. your or any other person s pre-existing medical condition(s). 15. your or any other person s pregnancy or childbirth (except for any unexpected medical complication or emergency when you or such other person are no more than 26 weeks pregnant at the time it occurs). 16. you travelling against medical advice or when you ought reasonably to know that you were unfit to do so. 17. any potentially fatal condition which has been diagnosed or any condition for which you are travelling to seek medical or other treatment. 18. you or your family engaging in any illegal conduct or criminal act. 19. confiscation or destruction by customs or any other authorities. 20. any interference with your travel plans by a government, government regulation or official authority including but not limited to refusal of a visa or permit to you or to any relative or travelling companion or restriction of access to any locality. 21. the refusal, failure or inability of any person, company or organisation, including but not limited to any airline, other transportation provider, hotel, car rental agency, tour or cruise operator, travel wholesaler, booking agent or other provider of travel or tourism related services, facilities or accommodation, to provide services, facilities or accommodation, by reason of their own financial default or the financial default of any person, company or organisation with whom or with which they deal. 22. any loss as a result of you being a crewmember or pilot of any conveyance. 23. your failure to take precautions to avoid a claim after there were warnings in the mass media. 24. any consequential loss including loss of enjoyment or any financial loss not specifically covered in this document. 25. a change of plans because you or your travelling companion change your mind and decide not to proceed with your original journey. 26. any losses incurred if you have not met the Eligibility Criteria set out on page 9. In addition to the above General Exclusions 27. The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America. Page 18 of 34

19 Section 1 Cancellation, Overseas Medical, Dental and Extra Expenses Please note an excess of $200 applies to each and every claim made under this section (except for sub-sections 3.1, 3.4 and 3.6). We will pay: 1 Cancellation and Amendment Costs 1.1 Cancellation The non-refundable unused portion of travel or accommodation arrangements paid for in advance by you following cancellation, alteration, curtailment or incompletion of your journey due to: (a) the unforeseeable death, accidental injury, or illness of your relative under 80 years of age, business partner or travelling companion; (b) any other unforeseeable circumstances outside your control provided that a claim is not also paid under section 5 in respect of your death. 1.2 Amendment Costs The reasonable costs of re-scheduling your travel if you are unable to travel on your original journey due to: (a) the unforeseeable death, accidental injury, or illness of your relative under 80 years of age, business partner or travelling companion; (b) any other unforeseeable circumstances outside your control provided that a claim is not also paid under section 5 in respect of your death. Conditions applicable to sub-section 1.2 Amendment Costs We will only pay if the event giving rise to the claim would have resulted in a claimable event under sub-section 1.1 Cancellation and you have chosen not to claim under subsection 1.1 Cancellation. The amount we will pay you will not be more than the amount we would have paid under sub-section 1.1 Cancellation above. No claim will be payable under sub-section 1.2 if you have already made a claim or intend to make a claim under sub-section 1.1 Cancellation for the same event. 1.3 We will also pay any travel agents cancellation fees incurred, up to a maximum of $500 for each eligible policyholder or dependent child per journey. Page 20 of 34

20 1.4 Frequent Flyer Points (a) Cancellation If any of your travel or accommodation arrangements were purchased using frequent flyer or a similar loyalty points programme, then, with respect to a claimable event under sub-section 1.1 Cancellation, we will pay you for the frequent flyer or similar loyalty programme points lost following cancellation, alteration, curtailment or incompletion of your journey. The benefit payable will be calculated as follows: If the points for your travel or accommodation arrangements cannot be refunded, we will refund to you the cost of the equivalent travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased. If only a portion of your points for your travel or accommodation arrangements can be refunded, we will refund to you the cost of the equivalent travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased, less the value of that portion of your points refunded back to you. For this benefit to become payable: the reason for cancellation, alteration, curtailment or incompletion must be covered under sub- section 1.1; and the loss of such points must not be recoverable from any other source; and you must first request the travel provider to refund your points, before you submit a claim under this sub-section. (b) Amendment Costs If any of your travel or accommodation arrangements were purchased using frequent flyer or a similar loyalty points programme, then, with respect to a claimable event under sub-section 1.2 Amendment Costs, we will pay you for the frequent flyer or similar loyalty programme points reasonably used to re-schedule your travel or accommodation arrangements if you are unable to travel on your original journey. The benefit payable will be the cost of the equivalent extra costs of re-scheduling your travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased. This benefit is only payable where the reason for the re-scheduling is covered under sub-section 1.2. The Conditions applicable to sub-section 1.2 Amendment Costs apply equally to this benefit. Page 20 of 34

21 2. Medical and Dental 2.1 Your reasonable medical, surgical, hospital, ambulance, and nursing home expenses and the cost of other treatment, given or prescribed by a legally qualified medical practitioner and necessarily incurred outside Australia, as a result of you suffering an accidental injury or illness during the period of journey provided they are not otherwise recoverable from any other source. If you are hospitalised you must contact Travel Guard as soon as possible. You can call directly on or you can ring the operator in your current locality and request a reverse charge call to +60 (3) Alternatively you can Travel Guard at auassistance@aig.com Your reasonable emergency overseas dental costs for the relief of sudden and acute pain incurred as a result of you suffering an accidental injury or illness during the period of journey provided they are not otherwise recoverable from any other source. 3. Extra Expenses 3.1 In the event of your death, the reasonable cost of returning your remains to your residence in Australia or for the funeral or cremation costs if your body is buried at the place of your death. 3.2 Your reasonable extra travel and accommodation expenses (including the costs of meals over and above the amount you had already budgeted for less any refund received for the unused prepaid travel and accommodation arrangements), actually and necessarily incurred on the written advice of a legally qualified medical practitioner, as a result of you suffering an accidental injury or illness during the period of journey. 3.3 The reasonable extra travel and accommodation expenses (less any refund received for the unused prepaid travel and accommodation arrangements), actually and necessarily incurred on the written advice of a legally qualified medical practitioner and with our written agreement, for one person to travel to, remain with, or accompany you back to your residence in Australia, as a result of you suffering an accidental injury, or illness during the period of journey. 3.4 $50 for each continuous twenty four (24) hour period you are confined in an overseas hospital as a bed care patient, as a result of you suffering an accidental injury or illness during the period of journey up to a maximum of $5,000 for each eligible policyholder or dependent child per journey. Claims must be supported by written confirmation from the hospital of the length of your stay. 3.5 Your reasonable extra travel and accommodation expenses (including the cost of meals over and above the amount you had already budgeted for less any refund received for the unused prepaid travel and accommodation arrangements) actually and necessarily incurred due to: Page 21 of 34

22 (a) the unforeseeable death, accidental injury, or illness of your relative under 80 years of age, business partner or travelling companion; or (b) any other unforeseeable circumstances outside your control. If you do not hold a return ticket to Australia at the time of suffering any accidental injury or illness covered by this insurance, or at the time of the happening of any circumstances covered by this section of the insurance cover, we will deduct from any claim which includes the cost of your repatriation to Australia, an amount equal to your original carrier s published one way economy class travel ticket for the route used for your return. 3.6 If your scheduled transport is delayed for six (6) hours or more for reasons outside your control and you cannot claim the expenses from anyone else, we will pay for your expenses up to $250 for an eligible policyholder and $500 for families. If the delay continues, then, for each additional twelve (12) hour period, we will pay up to $250 for an eligible policyholder and $500 for families. The maximum we will pay for any one continuous delay period is $750 for an eligible policyholder and $1,500 for families. If you claim this benefit we will not pay for any accommodation, meals or other travelling expenses under this section. In addition to the General Exclusions applying to all sections of this insurance cover, We will not pay: 1. the non-refundable unused portion of travel or accommodation arrangements where alternative travel or accommodation is paid for by us as part of a claim under this insurance cover. 2. medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred in Australia. 3. medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred more than twenty four (24) months after accidental injury, or illness which is the subject of the claim, first occurred. 4. expenses, including the cost of any medication, incurred for continuing treatment which commenced prior to the date the travel was purchased, and which you have been advised to continue during the period of journey. 5. expenses incurred for dental treatment due to normal wear and tear, or the normal maintenance of dental health. 6. claims arising from cancellation, delays or rescheduling caused by carriers. 7. claims arising from cancellation, delays or rescheduling caused by strikes by airline staff, airline contractors or suppliers or another airline entity. Page 22 of 34

23 8. for cancellation or disruption to travel which relates to your or your travelling companion s business or employment, including but not limited to, not being able to take leave from that employment. This exclusion will not apply to you being retrenched from your usual full time employment in Australia. 9. claims arising from the inability of any tour operator or wholesaler to complete arrangements for any tour due to a deficiency in the number of people required to commence any tour or journey. 10. cancellation (refer to sub-sections 1.1 and 1.2 on page 18) and your reasonable extra travel and accommodation expenses (refer to sub-sections 3.4, 3.5 on page 20 and 3.6 on page 21) directly or indirectly incurred as a result of intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act. 11. cancellation (refer to sub-sections 1.1 and 1,2 on page 18) and your reasonable extra travel and accommodation expenses (refer to sub-sections 3.1, 3.4, 3.5 on page 20 and 3.6 on page 21) directly or indirectly incurred as a result of any terrorist act. Page 23 of 34

24 Section 2 Luggage, Personal Effects and Travel Documents Please note an excess of $200 applies to each and every claim made under this section (except for sub-sections 2 and 3 where no excess is applicable). We will pay: 1. For accidental loss of, theft or damage to your accompanied luggage and personal effects (other than household furniture) during your journey. We may choose to replace, repair, or pay for the loss in cash, after making allowance for depreciation and wear and tear. The maximum amount we will pay for any one item, set or pair of items is $2,000. The limit for laptop computers is a maximum $6,000 inclusive of all accessories for an eligible policyholder. 2. For emergency replacement of luggage up to $300 for an eligible policyholder and $600 in total for a family if your checked luggage is delayed, misdirected or temporarily misplaced by any carrier for more than twelve (12) hours during your journey. Claims must be supported by written confirmation from the carrier responsible and receipts for the replacement items you needed to purchase. 3. For the non-recoverable cost of replacing lost, stolen or damaged personal travel documents, credit cards, debit cards and travelers cheques taken with you on the journey. 4. For your legal liability for payment arising out of unauthorised use of your travel documents, credit cards, debit cards and travelers cheques, following theft during the journey by any one person not being your relative or travelling companion. The maximum benefit we will pay under section 2 in respect of any one journey is: (a) (b) $10,000 for any one eligible policyholder or dependent child; or $20,000 for a family. It is a condition of payment under this section that all losses under the luggage and travel documents cover be reported to the appropriate authority within twenty four (24) hours of the discovery of the loss and a written acknowledgment obtained. Also, any loss of credit cards, debit cards, travelers cheques and travel documents must be reported as soon as possible to the issuing authority and the appropriate cancellation measures taken. Page 24 of 34

25 In addition to the General Exclusions applying to all sections of this insurance cover, We will not pay for: 1. damage or loss arising from electrical or mechanical breakdown of any item. 2. scratching or breakage of fragile or brittle items. This exclusion does not apply to photographic or video equipment, binoculars, spectacles or contact lenses. 3. damage or loss arising from wear and tear, deterioration, or losses caused by atmospheric or climatic conditions, mould or fungus, insects, rodents, vermin, or any process of cleaning, ironing, repairing, restoring or alteration. 4. luggage, personal effects or travel documents left unattended in any public place. 5. luggage, personal effects or travel documents left in an unlocked and unattended vehicle or building. 6. unaccompanied luggage, personal effects or travel documents. 7. luggage, personal effects or travel documents shipped under any freight agreement, or items sent by postal or courier services. 8. loss or damage to sporting equipment whilst in use. 9. any goods that are intended for sale or trade. 10. losses due to devaluation or depreciation of currency. 11. loss or theft of cash. Page 25 of 34