Travel Insurance - INCLUDES COVID-19 BENEFITS Effective 31 March 2021
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Travel Insurance
International
Trans-Tasman
Domestic
Australia
INCLUDES
COVID-19
BENEFITS
Effective 31 March 2021 AR R AN G E D BY
Combined Financial Services Guide
and Product Disclosure Statement
1Table of contents Welcome
Product Disclosure Statement (PDS) 2-22
Welcome�������������������������������������������������������������������������������������������������������������������������2
About this cover
About this cover������������������������������������������������������������������������������������������������������2 This policy is available to residents of Australia who are 75 years of
age or less at the time the policy is issued. The policy is for Single
The purpose of the Product Disclosure Statement (PDS)������������������������2
Trips only.
Contact us�����������������������������������������������������������������������������������������������������������������2
Benefits table���������������������������������������������������������������������������������������������������������������3 The purpose of the Product Disclosure
Policy inclusions��������������������������������������������������������������������������������������������������������� 4 Statement (PDS)
Policy excess ���������������������������������������������������������������������������������������������������������� 4
The PDS provides information to help you understand this travel
Luggage and personal effects�������������������������������������������������������������������������� 4 insurance policy, compare cover and make an informed decision about
Information regarding activities �������������������������������������������������������������������� 5 whether to buy a policy. Please read the PDS carefully to ensure
it provides the cover you need. If you have any questions please
Extending Your Journey ������������������������������������������������������������������������������������� 5
contact us.
Cooling-off period ������������������������������������������������������������������������������������������������ 5
In the PDS We detail:
Travel and health�������������������������������������������������������������������������������������������������������� 5
• the benefits – read these together with the options to vary cover;
Existing Medical Conditions������������������������������������������������������������������������������ 5
• requirements if you have an Existing Medical Condition or
Pregnancy����������������������������������������������������������������������������������������������������������������� 6 are pregnant;
Health of other people impacting Your travel (non-traveller)�����������������6
• obligations in relation to your duty of disclosure;
24 hour emergency assistance �����������������������������������������������������������������������������7
• definition of ‘Words with special meaning’ where they are used in
Claims �����������������������������������������������������������������������������������������������������������������������������7 the policy; and
Important information��������������������������������������������������������������������������������������������� 8 • what is and isn’t covered.
Who is the insurer? ��������������������������������������������������������������������������������������������� 8 When you purchase a policy, keep a copy of this PDS and
Who Is Cover-More and the providing entity? ������������������������������������������� 8 the Certificate of Insurance we’ll give you in a safe place for
When and how benefits are provided����������������������������������������������������������� 8 future reference.
Your duty of disclosure���������������������������������������������������������������������������������������� 8
Contact us
The amount You pay for this insurance�������������������������������������������������������� 8
If You have any questions regarding this policy or wish to discuss
How various factors affect the Amount Payable �������������������������������������� 8 alternative cover options if this policy is not suitable please
How a claim payment is calculated �������������������������������������������������������������� 8 contact us.
Policy wording������������������������������������������������������������������������������������������������������������� 8
Customer service
Words with special meaning ��������������������������������������������������������������������������� 9
Call: 1300 468 601
Policy conditions������������������������������������������������������������������������������������������������� 10
Email: webjet@covermore.com.au
The benefits �����������������������������������������������������������������������������������������������������������11
Mail: Private Bag 913, North Sydney NSW 2059 Australia
General exclusions���������������������������������������������������������������������������������������������� 20
General information�������������������������������������������������������������������������������������������������21 Claims
The Financial Claims Scheme �������������������������������������������������������������������������21 Call: 1300 468 601 or +61 2 8907 5050
Additional policy information��������������������������������������������������������������������������21 Email: webjet@covermore.com.au
Change of terms and conditions��������������������������������������������������������������������21 24 hour emergency assistance
General Insurance Code Of Practice �������������������������������������������������������������21 Please call Australia DIRECT and TOLL FREE from:
Cancelling Your policy and refunds���������������������������������������������������������������21 USA 1800 937 9763 Canada 1800 645 8714
We respect Your privacy������������������������������������������������������������������������������������21 UK 0800 892 014 NZ 0800 445 524
Complaints and disputes resolution process ������������������������������������������ 22 Charges may apply if calling from a pay phone or mobile phone.
From all other countries or if You experience difficulties with the
Financial Services Guide (FSG) 23 numbers above:
Call: +61 2 8907 5619
Fax: +61 2 9954 6250
The insurer of this product is Zurich Australian Insurance Limited
(ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.
2Benefits table
Below is a summary of the benefits We provide and their maximum limits. Please refer to the Policy wording on pages 8–20 for full details
of the cover provided.
International Trans-Tasman Domestic
Excess Plan I
Policy benefits Plan IB Plan D
applies? Limit per
Limit per person Limit per person
person
Overseas medical and dental expenses
1
(including emergency repatriation/evacuation)
Overseas medical expenses Yes $Unlimited~ - -
Overseas dental expenses Yes $Unlimited~ - -
2* Additional expenses Yes $Unlimited - -
3* Amendment or cancellation costs Yes $10,000 $2,000 $2,000
4* Luggage and travel documents $12,000 $5,000 $5,000
Phone - limit per item• $500 $300 $300
Camera or video camera - limit per item• $3,500 $300 $300
Laptop computer - limit per item• $3,000 $300 $300
Tablet computer - limit per item• Yes $3,000 $300 $300
Drone (with or without camera) - limit per item• $500 $300 $300
Artificial limb, removable dental appliance, dentures
or medical device e.g. hearing aids, CPAP machine - limit $500 $300 $300
per item•
Jewellery - limit per item• $500 $300 $300
Watch or any other item - limit per item• $500 $300 $300
5* Delayed luggage allowance Yes $1,000
6 Money No $200
7 Rental Car insurance excess No $4,000
Bonus cover for self-drive holidays in
Australia - Personal vehicle insurance excess
No - - $2,500
8* Travel delay No $2,000
9 Resumption of Journey Yes $3,000
10 Missed connections No $3,000
11 Special events Yes $2,000
12* Hospital incidentals No $8,000
13* Hijacking No $8,000
$9,000 (up to $1,500
14* Loss of income No
per month)†
15* Disability No $25,000*†
16* Accidental death No $25,000*†
17 Personal liability No $2,500,000
18 COVID-19 Benefits As applicable See pages 17-19
~Cover will not exceed 12 months from onset of the illness or injury.
*Sub-limits apply. Refer to the Policy wording on pages 8–20.
†Maximum liability collectively for Sections 14, 15 and 16 is $25,000.
•Item limit applies for any one item, set or pair of items including attached and unattached accessories.
Please read this PDS carefully to understand what this policy covers. Importantly, please note that terms, conditions, exclusions, limits
and sub-limits apply.
3Policy inclusions Safety of Your belongings and limits to the cover
• Don’t check in Your Valuables – keep them with You as they’re not
covered by Us when checked-in with the transport provider (unless
Type of policy security regulations meant You were forced to check them in).
• Items left Unattended in any motor vehicle (for example, a car,
Single Trip campervan or motorhome) or towed land vehicle during daylight
hours are not covered, unless they are stored in the Concealed
This policy provides cover for one Journey, which starts in Australia. Storage Compartment of the locked motor vehicle or towed land
Depending on the booking You have made on Webjet, Your cover can vehicle and forced entry was gained. A limit of $500 per item and a
either be for a Return Trip or a One-way Trip. maximum of $2,000 in total applies.
“Return Trip” means where You have made a booking on Webjet for • Don’t leave items Unattended in ANY motor vehicle or towed land
Your travel departing from and returning to Australia. vehicle overnight, as they’re not covered.
“One-way Trip” means where You have made a booking on Webjet • Don’t walk away from or leave Your belongings Unattended in a
for Your travel departing from Australia and You do not have a return Public Place. They’re not covered by Us.
fare booked on Webjet for Your return travel to Australia. • Report any loss or theft to the police within 7 days of when
You first become aware of the incident, as a police report is
“Period of Insurance” means from the time You commence the
required so We can validate that the incident occurred. Also, Your
Journey or the travel start date shown on Your Certificate of Insurance
belongings may have been handed in and may be recovered or the
(whichever is later) until the earliest of the following times:
police may have a chance to follow up an alleged crime.
a) for a Return Trip • Additionally, We require the relevant report from the related party.
(i) the time You complete the Journey For example, an Airline Property Irregularity Report (PIR) is also
(ii) the travel end date shown on Your Certificate of Insurance required if Your items were lost or stolen when travelling with
b) for a One-way Trip an airline.
(i) the time You complete the Journey • If You are unable to provide Us with a copy of the relevant report,
(ii) according to the number of days You selected from the You must provide Us with a reasonable explanation and details
options available, the travel end date shown on Your of the time and place You made the report, including their
Certificate of Insurance. contact details.
Cover under SECTION 3: Amendment or cancellation costs begins from Luggage item limits automatically included in Your cover
the time the policy is issued however, there is no cover under SECTION
We provide cover for any one item, set or pair of items (including
3: Amendment or cancellation costs for travel and accommodation
attached and unattached accessories), up to the following limits,
bookings being claimed under these sections that relate to travel
after taking into account reasonable depreciation. See page 13 for
dates not insured by this policy i.e. pre-paid travel expenses for travel
depreciation rates and an example of how a claim is worked out.
dates that fall outside the Period Of Insurance.
The dates on Your Certificate of Insurance can only be changed with Trans-Tasman and
International Plan
Our consent. Item Domestic Plan
In respect of SECTION 9: Resumption of Journey, cover is suspended Item limits
Item limits
while You are in Australia and will recommence once You resume the
Journey, subject to the original expiry date. Phone $1,000 $300
Smart watch $1,000 $300
Areas of travel
Where You travel will influence Your premium. Camera $2,500 $300
Single Trip: You will need to choose the main destination based on Video camera $2,500 $300
where You will spend the most time on Your Journey.
Note: If 20% or more of any Journey will be spent in the Americas or Drone (with or
$1,000 $300
Africa, You must nominate the area including these countries as the without camera)
main destination. Laptop
$2,500 $300
computer
Policy excess
Tablet computer $2,500 $300
Your excess is $100 for the International and $50 for the Domestic
Plans. The excess will be shown on Your Certificate of Insurance and Artificial limb $1,000 $300
only applies in the event of a claim.
Dentures (full
When You make a claim arising from the one event, an excess (if $1,000 $300
or partial)
applicable) will only be applied once.
Other excess amounts may be available. Removable
dental $1,000 $300
Luggage and personal effects appliance
Your belongings Medical device $1,000 $300
It is Your responsibility to provide Us with evidence to support Your Jewellery $750 $300
claim for an item. This is ‘proof of ownership’.
Watch $750 $300
• We will accept the original or a copy of a purchase receipt; invoice
and/or bank statement showing the purchase, the date of the Any other item $750 $300
purchase and the amount paid.
• We may consider valuation certificates (issued prior to
the Relevant Time), ATM receipts and warranty cards with
accompanying bank statement of purchases.
• We will not accept photographs, packaging or instruction manuals
as proof of ownership.
4Information regarding activities Travel and health
Activities included in Your cover
The following activities are covered under this policy: Existing Medical Conditions
• Abseiling • Kayaking
(Of You or Your travelling companion)
• Archery • Paragliding
This policy does not automatically cover claims which in any way
• Ballooning • Parasailing relate to, or are exacerbated by, an Existing Medical Conditions.
• Bungy Jumping • Skydiving If You are unsure whether You have an Existing Medical Condition
• Flying Fox • Snorkelling please contact us. See page 2 for contact details.
• Horse Riding • Surfing
• Jet Boating • White Water Rafting What is an Existing Medical Condition?
• Jet Skiing • Working Holidays “Existing Medical Condition” means a disease, illness, medical or
dental condition or physical defect that, at the Relevant Time, meets
Your participation in any of the activities listed above is subject
any one of the following:
to the terms of cover. There is no cover for these activities if You
are racing, or participating in a Professional capacity. There is no a) Has required an emergency department visit, hospitalisation or
personal liability cover for use or ownership of waterborne craft or day surgery procedure within the last 12 months.
mechanically-propelled vehicles. Conditions apply to scuba diving. b) Requires:
See exclusions 22-25 on page 20 and Section 16 Personal Liability (i) prescription medication from a qualified medical practitioner;
exclusion 3 and 4 on page 17. (ii) regular review or check-ups;
Activities not included in Your cover (iii) ongoing medication for treatment or risk factor control; or
There is no cover under this policy for these activities: (iv) consultation with a specialist.
c) Has:
• Motorcycle Riding • Snowboarding
(i) been medically documented involving the brain, circulatory
• Moped Riding • Snowmobiling system, heart, kidneys, liver, respiratory system or cancer; or
• Snow Skiing (ii) required surgery involving the abdomen, back, brain, joints or
If You want to purchase a policy including cover for the activities spine that required at least an overnight stay in hospital.
above not included in Your cover please contact us. See page 2 for d) Is:
contact details. (i) chronic or ongoing (whether chronic or otherwise) and
medically documented;
Extending Your Journey (ii) under investigation;
If You are travelling and wish to be insured for longer than the (iii) pending diagnosis; or
original period shown on Your original Certificate of Insurance, (iv) pending test results.
You need to purchase a new policy by calling or emailing Your “Relevant Time” means the time of issue of the policy.
travel consultant or Cover-More prior to the expiry date. It is not an
extension of the previous policy. Your Certificate of Insurance will be Existing Medical Conditions We Automatically Include
adjusted with the new dates. We automatically include the Existing Medical Conditions listed in
the table following provided:
Please note:
• all Your Existing Medical Conditions are on this list;
• Should a medical condition present itself before the new policy
is issued, it may be considered an Existing Medical Condition • You have not been hospitalised or required treatment by a medical
under a new policy. Therefore it may not be covered by the new practitioner in the last 12 months for any of the listed conditions;
policy. Purchasing a longer duration up front may avoid this risk. • You are not under investigation for any of the listed conditions;
Restrictions on duration apply. For example, the maximum overall • You are not awaiting investigation, surgery, treatment or
period for Worldwide cover is 12 months in total. procedures for any of the listed conditions; and
• If You can’t return Home on Your original date due to an • Your condition satisfies the criteria in the table following.
unforeseeable circumstance outside Your control, the policy will All time frames are measured in relation to the Relevant Time, unless
automatically extend - See policy condition 9 Free extension of specified otherwise.
insurance on page 10 for details.
Condition Criteria
Cooling-off period
Acne No additional criteria.
You can cancel or change Your policy at any time before You leave
Home. If You cancel this policy for any reason within the cooling-off ADHD No additional criteria.
period which is within 21 days of the date of purchase, We will give (Attention
You Your money back. Deficit Hyperactivity
Disorder)
Our cooling-off period ensures a refund of the entire premium unless
You have already made a claim under the policy or departed on Allergy In the last 6 months, You haven’t required
Your Journey. treatment by a medical practitioner for
If You wish to cancel Your policy and receive a full refund, please this condition.
contact the providing entity within the cooling-off period. You have no known respiratory conditions
(e.g. Asthma).
Anxiety You have not been diagnosed with
Depression in the last 3 years.
In the last 12 months, Your prescribed
medication hasn’t changed.
You are not currently waiting to see a
mental health clinician (e.g. psychologist
or psychiatrist).
You have not previously been required to
cancel or curtail Your travel plans due to
Your Anxiety.
5Asthma You are less than 60 years of age when You Migraine No additional criteria.
purchase the policy. Peptic Ulcer In the last 12 months, the Peptic/Gastric
In the last 12 months, You haven’t had an Ulcer has been stable.
Asthma exacerbation requiring treatment Gastric Ulcer
by a medical practitioner. Plantar Fasciitis No additional criteria.
You have been a non-smoker for at least Raynaud’s Disease No additional criteria.
the last 18 months.
Skin Cancer Your Skin Cancer isn’t a Melanoma.
You don’t need prescribed oxygen outside
You haven’t had chemotherapy or
of a hospital.
radiotherapy for this condition.
You don’t have a chronic lung condition
Your Skin Cancer does not require any
or disease (whether chronic or otherwise)
follow up treatment e.g. chemotherapy,
including Chronic Bronchitis, Chronic
Obstructive Pulmonary Disease (COPD), radiotherapy or further excision.
Emphysema or Pulmonary Fibrosis. Stenosing No additional criteria.
Bell’s Palsy Tenosynovitis
No additional criteria.
Bunions No additional criteria. (Trigger Finger)
Carpal Tunnel No additional criteria. Urinary Incontinence No additional criteria.
Syndrome Underactive Thyroid The cause of Your Underactive/Overactive
Cataracts In the last 90 days, You haven’t had an Thyroid wasn’t a tumour.
Overactive Thyroid
operation for this condition.
Glaucoma Any Other Existing Medical Conditions
You have no ongoing complications of
this condition. Any other Existing Medical Conditions not listed above are not
covered by this policy. If You have a condition which is not on this list
Coeliac Disease No additional criteria.
and would like cover please contact Your travel agent or Cover-More.
Congenital Blindness No additional criteria. See page 2 for contact details.
Congenital Deafness No additional criteria.
Depression You have not been hospitalised for this
condition in the last 2 years.
Pregnancy
In the last 12 months, Your prescribed Our policy provides limited cover for pregnancy.
medication hasn’t changed. The following restrictions apply to all pregnancies and any claim
You are not currently waiting to see a arising from pregnancy:
mental health clinician (e.g. psychologist • No cover is available where complications of this pregnancy or any
or psychiatrist). previous pregnancy had occurred prior to the Relevant Time.
You have not previously been required to • No cover is available if You have a multiple pregnancy e.g. twins
cancel or curtail Your travel plans due to or triplets.
Your Depression. • No cover is available if the pregnancy was medically assisted e.g.
using assisted fertility treatment including hormone therapies
Ear Grommets You don’t have an ear infection.
or IVF.
Epilepsy You don’t have an underlying medical • Cover is only provided for unexpected serious pregnancy
condition (e.g. previous head trauma, Brain complications which occur up until the 24th week of pregnancy i.e.
Tumour or Stroke). up to 23 weeks, 6 days. Gestational age is measured in weeks and
Gastric Reflux Your Gastric Reflux doesn’t relate to days and is calculated from the last known date of Your menstrual
an underlying diagnosis (e.g. Hernia/ period or calculated from staging ultrasound.
Gastric Ulcer). • Childbirth is not covered.
Goitre No additional criteria. • Costs relating to the health or care of a newborn child are not
covered, irrespective of the stage of pregnancy when the child
Graves’ Disease No additional criteria. is born.
Gout No additional criteria. What does this mean?
Hiatus Hernia No additional criteria. Expectant mothers should consider if Our products are right for them
Hip Replacement The procedure was performed more than 12 when travelling after 20 weeks gestation as costs for childbirth and
months ago and less than 10 years ago. neonatal care overseas can be expensive.
Knee Replacement For assistance or if You wish to discuss other policy cover options,
You haven’t had any post-operative
Shoulder complications related to that surgery. please contact Your travel agent or Cover-More. See page 2 for
Replacement Post-operative complications include joint contact details.
Hip Resurfacing dislocation and infection.
Health of other people impacting Your Travel
Hypercholes- You don’t have a known heart or
terolaemia cardiovascular condition.
(non-traveller)
This policy has cover if You need to change Your trip due to the health
(High Cholesterol)
of a Relative or Your business partner who is not travelling. In some
Hypertension You don’t have a known heart or circumstances the maximum We will pay is $1,000.
cardiovascular condition.
(High What is covered?
Blood You don’t have Diabetes (Type I or Type II).
We will pay for claims arising from the sudden disabling injury,
Pressure) Your Hypertension is stable and managed sickness or disease or death of a Relative or Your business partner
by Your medical practitioner. who is not travelling if, at the Relevant Time, that person:
In the last 12 months, Your prescribed blood a) in the last 12 months, had not been hospitalised (including day
pressure medication hasn’t changed. surgery or emergency department attendance) for a condition that
You aren’t suffering symptoms was in any way related to, or exacerbated by, the condition that
of Hypertension. gave rise to the claim;
You aren’t having investigations related to b) was not residing in a facility such as a nursing home, an aged
blood pressure. care facility, a residential aged care home, a high and/or low
6care facility, a privately owned accommodation facility such
as Supported Residential Services or Facilities (SRS/SRF) or, a 24 hour emergency assistance
residential care facility);
We hope You have a great trip but should something go wrong, We’re
c) was residing independently at home or in a retirement home or
here to help.
village, including independent living arrangements, and they did
not require home care or flexible care services; When travelling, You have access to Our emergency assistance team
d) was not on a waiting list for, or did not know they needed surgery, of doctors, nurses, case managers and travel agents 24 hours a day,
inpatient treatment or tests at a hospital or clinic; 365 days a year.
e) did not have a drug or alcohol addiction; and Our team provides the following services to all policyholders:
f) did not have a Terminal Illness. • Help to find a medical facility and monitor Your medical care
What are the restrictions and limits? • Paying bills
If any point a-f cannot be met e.g. if Your non-travelling Relative was Becoming ill overseas can be very expensive so those significant
in a nursing home or did have a Terminal Illness, the maximum We medical expenses can be paid by Us directly to the hospital if Your
will pay is $1,000 under all sections of the policy combined. claim is approved.
• Keeping You travelling or getting You Home
• For Your reference, “Relative” means a person who is Your spouse,
de facto; parent, parent-in-law, stepparent, guardian; grandparent; Our team can decide if and when it is appropriate to move You or
child, foster child, grandchild; brother, brother-in-law, half-brother, bring You Home and will coordinate the entire exercise.
stepbrother, sister, sister-in-law, half-sister, stepsister; daughter, • Help if passports, travel documents or credit cards are lost
daughter-in-law, stepdaughter, son, son-in-law, stepson; fiancé, If You need assistance in contacting the issuer of the document,
fiancée; uncle, aunt; or niece, nephew. Our emergency assistance team can help; and
What isn’t covered? • Help to change travel plans
No payment will be made under this policy for: If Your travel consultant is not available to assist with
rescheduling in an emergency, Our team can help.
• Claims related to non-travellers who aren’t a Relative or Your
Certain services are subject to a claim being accepted under
business partner.
Your policy.
• Claims where You are aware of a circumstance which is likely to
give rise to a claim. You, or someone on Your behalf, should phone Our emergency
assistance team as soon as possible if You require hospitalisation,
• Claims which in any way relate to circumstances You knew of, or
if Your medical expenses will exceed $2,000 or if You want to
a person in Your circumstances would have reasonably known
return early.
or foreseen, at the Relevant Time, that could lead to the Journey
being delayed, abandoned or cancelled. When You call, please have the following information at hand:
For example: • Your policy number
• a phone number to call You back on
• Jim’s father was hospitalised after a serious accident. After
hearing the bad news, Jim cancelled his upcoming trip and See page 2 for contact details.
received a 50% refund.
He then bought a travel insurance policy so he could claim the rest
of the money back.
Claims
When Jim bought the policy, he had already cancelled the trip so
his claim would not be covered. How to make a claim
For example: Complete an online claim
• Khalida’s mother had been unwell for several months and was Visit claims.covermore.com.au and follow the prompts;or
booked to have medical tests. Khalida organised a holiday and
Fill in a claim form
travel insurance. Unfortunately, the test results showed her
mother had a serious sickness so Khalida cancelled her holiday ownload, print and complete a claim form from
D
to spend time with her mother. Because her mother was having covermore.com.au.
tests after being unwell when Khalida bought her policy, her claim Add receipts and other supporting documents
would not be covered as she knew at that time, or a person in her
Follow the checklist for the supporting documents You need to send
circumstances would have reasonably known or foreseen, that she
Us with Your completed claim.
may need to cancel her trip due to her mother’s health.
Submit the claim online or post it
Upload Your scanned documents and submit the claim online; or
Post the completed claim form and original supporting documents to:
Cover-More Travel Insurance
Claims Department
Private Bag 913
North Sydney NSW 2059
Australia
We need original documents, so please hold on to Your documents as
We may request them. If You are posting them, keep a copy.
When will i hear about the claim?
We try to process claims as quickly as possible.
We may approve and settle, investigate or decline the claim or
request further information. In any case, You will hear back within 10
working days from the time We receive Your claim or each time we
receive further information on it.
For additional assistance please see page 2 for contact details.
7Important information The amount You pay for this insurance
You can obtain a quote from the providing entity. The amount
We charge You for this insurance policy is the total amount of
Who is the insurer? the premium that We calculate to cover the risk and any relevant
ZAIL is part of the Zurich Insurance Group, a leading multi‑line insurer government charges (such as Goods and Services Tax (GST) and stamp
that serves its customers in global and local markets. Zurich provides duty). These amounts add up to the total amount You must pay.
a wide range of general insurance and life insurance products Once the policy is issued Your total premium and any relevant
and services in more than 210 countries and territories. Zurich’s government charges are shown on the Certificate of Insurance. If You
customers include individuals, small businesses, and mid-sized and wish to change Your policy in any way please contact us.
large companies, including multinational corporations. ZAIL’s contact
details are: How various factors affect the
Mail: Zurich Australian Insurance Limited
Amount Payable
PO Box 677, North Sydney NSW 2059
We consider a number of factors in calculating the total Amount
Payable. The following is a guide on these key factors, how they
Who is Cover-More and the combine and how they may impact the assessment of risk and
providing entity? therefore Your premium.
Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 • Area - higher risk areas cost more
(Cover‑More) administers the policy (including customer service, • Age - higher risk age groups cost more
medical assessments and claims management) and will usually • Duration - the longer Your trip the more it usually costs.
arrange for the issue of the insurance, either directly or through
the appointment of distributors or authorised representatives. How a claim settlement is calculated
Alternatively, another financial services licensee or its authorised
representatives may arrange for the issue of this insurance. When We pay a claim We consider a number of aspects in calculating
the settlement. These include:
The person who provides You with this PDS is the providing entity. The
capacity in which they act is displayed in the Financial Services Guide • the amount of loss or damage or liability;
on page 23 of this booklet. • the excess;
• the maximum benefit limits and sub-limits;
Your duty of disclosure • reasonable depreciation; and
Before You enter into this contract of insurance, You have a duty of • the terms and conditions of the policy.
disclosure under the Insurance Contracts Act 1984 (Cth). The duty The following example illustrates how We will calculate
applies until (as applicable) We first enter into the policy with You, or claim settlement.
We agree to a variation, extension or reinstatement with You. • Your new video camera with an original purchase price of $3,000 is
stolen from a hotel room.
Answering Our questions
The claim settlement would be calculated as follows:
In all cases, if We ask You questions that are relevant to Our decision
to insure You and on what terms, You must tell Us anything that • Consider the original purchase price of the video camera –
You know and that a reasonable person in the circumstances would $3,000 (no depreciation applies because the video camera
include in answering the questions. was new).
It is important that You understand You are answering Our questions • Consider the maximum benefit limit for Luggage and travel
in this way for Yourself and anyone else that You want to be covered documents – $6,000.
by the contract. • Consider the maximum item limit payable for cameras and video
equipment – $2,500. This item limit applies in this case.
Variations, extensions and reinstatements • Consider the excess. As the excess is $100, $100 will be deducted.
For variations, extensions and reinstatements You have a broader This results in an amount payable of $2,400 or We may choose to
duty to tell Us anything that You know, or could reasonably be replace the item through a supplier of Our choice.
expected to know, may affect Our decision to insure You and on
what terms. Policy wording
If You do not tell Us something The benefits described in this policy wording should be read in
conjunction with Policy inclusions (pages 4-5), Travel and health
If You do not tell Us anything You are required to tell Us, We may
(pages 5-7), Your duty of disclosure (page 8), Words with
cancel Your contract or reduce the amount We will pay You if You
special meaning (pages 9-10), Policy condition (page 10) and
make a claim, or both.
General exclusions (page 20).
If Your failure to tell Us is fraudulent, We may refuse to pay a claim
and treat the contract as if it never existed. THIS POLICY IS NOT VALID UNLESS THE CERTIFICATE OF
INSURANCE IS ISSUED TO YOU.
When and how benefits are provided We will give You the insurance cover described in this policy in return
The benefits for which You are insured under this policy are payable: for receiving the total Amount Payable.
• when an insured event occurs during the Period of Insurance It is a condition of this policy that:
causing You to suffer loss or damage or incur legal liability; and • You are not aware of any circumstance which is likely to give rise to
• Your claim is accepted by Us. a claim; and
After calculating the amount payable We will either: • You are a resident of Australia and will be returning Home at the
• pay for specified Additional expenses; completion of the Period of Insurance.
• pay the person or provider to whom You are legally liable;
• pay the cash value, repair cost or arrange replacement of Your
personal items (after deducting reasonable depreciation where
applicable); or
• pay You.
8Words with special meaning c) Has:
(i) been medically documented involving the brain, circulatory
In this PDS the following words have the meanings shown below. system, heart, kidneys, liver, respiratory system or cancer; or
The use of the singular shall also include the use of the plural and
(ii) required surgery involving the abdomen, back, brain, joints or
vice versa.
spine that required at least an overnight stay in hospital.
“We”, “Our”, “Us” means Zurich Australian Insurance Limited (ZAIL). d) Is:
“You”, “Your”, “Yourself” means the people listed as adults on the (i) chronic or ongoing (whether chronic or otherwise) and
Certificate of Insurance and includes Accompanied Children. Where medically documented;
more than one person is listed as an adult on the Certificate of (ii) under investigation;
Insurance all benefits, limitations, conditions and exclusions will be
(iii) pending diagnosis; or
interpreted as if a separate policy was issued to each of the persons
listed as an adult other than: (iv) pending test results.
“Home” means Your usual place of residence in Australia.
a) in the event a claim arising from the one event is made, an excess
(if applicable) will only be applied once; “Insolvency” means bankruptcy, provisional liquidation, liquidation,
insolvency, appointment of a receiver or administrator, entry into
b) in the case of luggage item limits which shall be as per a
a scheme of arrangement, statutory protection, presentation of a
single policy.
petition for the compulsory winding up of, stopping the payment of
In respect of organised groups, each child not travelling with their debts or the happening of anything of a similar nature under the laws
usual guardian must purchase a separate policy. of any jurisdiction.
“Accompanied Children” means Your children or grandchildren “International Waters” means waters outside the jurisdiction
who are identified on the Certificate of Insurance and travelling with territory of any country.
You on the Journey, provided they are not in full-time employment,
“Journey” means the period commencing at the time You leave
they are financially dependent on You and they are under the age of
Home and ceasing at the time You return Home. On an Annual Multi-
21 years.
Trip policy, Your destination must be more than 250 kilometres from
“Act of Terrorism” means any act by a person, alone or with an Home or, if less than that, Your trip must include at least one night
organisation or foreign government, who: paid accommodation staying at a registered accommodation provider.
a) uses or threatens force or violence; “Limbs” means a hand at or above the wrist or a foot at or above
b) aims to create public fear; or the ankle.
c) aims to resist or influence a government, or has ideological, “Natural Disaster” means a major adverse event resulting from
religious, ethnic or similar aims. natural processes of the Earth; examples are bushfire, hurricane,
“Additional” means the cost of the accommodation or transport You tornado, volcanic eruption, earthquake, tsunami, falling object from
actually use less the cost of the accommodation or transport You space (including a meteorite), and in general any extraordinary
expected to use had the Journey proceeded as planned. atmospheric, meteorological, seismic, or geological phenomenon. It
“Amount Payable” means the total amount payable shown on Your does not mean an Epidemic or Pandemic.
Certificate of Insurance. “Pandemic” means an Epidemic that is expected to affect
“Computer System” means any computer, hardware, software, an unusually large number of people or involves an extensive
communications system, electronic device (including, but not limited geographic area.
to, smart phone, laptop, tablet, wearable device), server, cloud or “Period of Insurance” means from the time You commence the
microcontroller including any similar system or any configuration of Journey or the travel start date shown on Your Certificate of Insurance
the aforementioned and including any associated input, output, data (whichever is later) until the time You complete the Journey or the
storage device, networking equipment or back up facility, owned or travel end date shown on Your Certificate of Insurance (whichever is
operated by the coach, airline, shipping line, cruise line or railway the earlier).
company that You were due to travel on. Cover under Section 3 begins from the time the policy is issued.
“Concealed Storage Compartment” means a boot, glove box, The dates on Your Certificate Of Insurance can only be changed with
enclosed centre console, or concealed cargo area. Our consent. In respect of Section 9, cover is suspended while You
“Cyber Act” means an unauthorised, malicious or criminal act or are in Australia and will recommence once You resume the Journey,
series of related unauthorised, malicious or criminal acts, regardless subject to the original expiry date.
of time and place, or the threat or hoax thereof involving access to, “Permanent” means a period of time lasting 12 consecutive months
processing of, use of or operation of any Computer System. after the expiry of which We consider there is no reasonable prospect
“Cyber Incident” means any: of improvement.
a) Cyber Act or error or omission or series of related errors or “Professional” means undertaking any activity for which financial
omissions involving access to, processing of, use of or operation of payment is received from another person or party.
any Computer System; or “Public Place” means any place the public has access to, including
b) Cyber Act including any partial or total unavailability or failure or but not limited to airports, bus terminals, buses, cruise ships, planes,
series of related partial or total unavailability or failures to access, stations, taxis, trains, wharves and beaches, galleries, hostels, hotels,
process, use or operate any Computer System. hotel foyers and grounds, museums, private car parks, public toilets,
“Disabling Injury, Sickness or Disease” means a disabling injury, shops, streets, restaurants and general access areas.
sickness or disease which first shows itself during the Period of “Relative” means a person who is Your spouse, de facto; parent,
Insurance and which requires immediate treatment by a qualified parent-in-law, stepparent, guardian; grandparent; child, foster child,
medical practitioner or dentist. grandchild; brother, brother-in-law, half-brother, stepbrother, sister,
“Epidemic” means a fast-spreading contagious or infectious sister-in-law, half-sister, stepsister; daughter, daughter-in-law,
disease or illness in an area as documented by a recognised public stepdaughter, son, son-in-law, stepson; fiancé, fiancée; first cousin;
health authority. uncle, aunt; or niece, nephew.
“Existing Medical Condition” means a disease, illness, medical or “Relevant Time” means the time of issue of the policy.
dental condition or physical defect that, at the Relevant Time, meets “Rental Car” means a campervan/motorhome that does not exceed 6
any one of the following: tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe,
a) Has required an emergency department visit, hospitalisation or convertible, four-wheel drive or mini bus rented from a licensed motor
day surgery procedure within the last 12 months. vehicle rental company or agency.
b) Requires: “Terminal Illness” means a medical condition for which a terminal
(i) prescription medication from a qualified medical practitioner; prognosis has been given by a qualified medical practitioner and
(ii) regular review or check-ups; which is likely to result in death.
(iii) ongoing medication for treatment or risk factor control; or “Transport Provider” means a properly licensed coach operator,
(iv) consultation with a specialist. airline, cruise line, shipping line or railway company.
9“Unattended” means not on Your person or within Your sight j) We will be entitled, at Our expense, to have You medically
and reach. examined or, in the event of death, a post‑mortem examination
“Valuables” means articles made of or containing gold, silver or carried out. We will give You or Your legal representative
precious metals; binoculars; jewellery; mobile phones; photographic, reasonable notice of the medical examination.
audio, video, tablet computer, computer and electrical equipment 4. If You are able to claim from a statutory fund, compensation
of any kind (including but not limited to devices such as drones, scheme or Transport Provider
computer games, portable navigation equipment or media); precious
If You are able to claim from a statutory fund, compensation scheme
stones; smart phones; telescopes and watches. (for example a private health fund or workers compensation scheme)
or Transport Provider for monies otherwise payable under this policy
Policy conditions You must do so and the policy will only cover the remaining amount.
1. Excess 5. You must help Us to make any recoveries
The excess is the first amount of a claim that We will not pay for. We have the right to recover from any other party in Your name,
It is deducted from Your claim if it is approved by Us. The excess money payable under the policy or to choose to defend any action
applies per event i.e. If You fall over and need medical treatment, brought against You. You must provide reasonable assistance to Us.
and smashed Your smart phone in the fall, the excess will be
deducted once. 6. Claims payable in Australian dollars
The excess, if applicable, applies to any claim arising from a separate All amounts payable and claims are payable in Australian dollars
event in respect of Sections 1, 2, 3, 4, 5, 9 and 11, and Section 18 at the rate of exchange applicable at the time the expenses
where relevant. were incurred.
The excess is the amount shown on Your Certificate of Insurance. 7. Policy interpretation
Claim example: You have a $100 excess on Your policy. If You made The policy shall be interpreted in accordance with the law of the State
a claim for $2,500 under Section 1: Overseas Medical and Dental, You or Territory in which it is issued.
already paid the expenses and We approve Your claim, We would
deduct the $100 excess from the claim before We paid You. If, via Our 8. Emergency assistance
emergency assistance team, We approved a claim directly with an a) Where Your claim is excluded or falls outside the policy coverage,
overseas medical provider, We may ask You to pay the $100 excess the giving of emergency assistance will not in itself be an
directly to the provider at the time or request You to pay it to Us admission of liability.
before We can finalise Your claim with the provider. In any event, the b) The medical standards, sanitary conditions, reliability of telephone
total claim We pay is $2,400. systems and facilities for urgent medical evacuations differ
from country to country. Responsibility for any loss, medical
2. Limits of liability
complication or death resulting from any factor reasonably beyond
The limits of Our liability for each Section of the policy are the Our control cannot be accepted by the providing entity, Our
amounts shown in the benefits table (see page 3) except: emergency assistance network, Cover-More or Us.
a) the maximum liability collectively for Sections 13, 14 and 15, shall 9. Free extension of insurance
not exceed $20,000; or
Where Your Journey is necessarily extended due to an unforeseeable
b) where We have notified You in writing of different limits.
circumstance outside Your control, Your Period of Insurance will be
3. Claims extended until You are physically able to travel Home by the quickest
a) You must report any loss or theft of luggage, personal effects, and most direct route. The Period of Insurance will not be extended
travel documents or money to the police, the Transport Provider for any other reason.
or accommodation provider as relevant within 7 days of You first 10. Policy conditions applying to Sections 1 and 2 only
becoming aware of the loss or theft. You should obtain a report
confirming the incident to submit to Us with Your claim. a) We have the option of returning You to Australia if the cost
of medical and/or Additional expenses overseas are likely to
b) You must take all reasonable steps to prevent or minimise a claim.
exceed the cost of returning You to Australia subject always to
c) You must not make any offer, promise of payment or admit any medical advice. We also have the option of evacuating You to
liability without Our consent. another country.
d) You must advise Us of any claim or occurrence which may give b) In all cases the cost of evacuation or to bring You back to
rise to a claim as soon as possible and within 60 days of the Australia will only be met if Your claim is approved by Us and
return date shown on Your Certificate of Insurance by sending a it was arranged by and deemed necessary by Our emergency
completed claim form. assistance network.
e) You must at Your own expense, supply any documents in support c) If We request that You be moved to another hospital, return to
of Your claim which We may request, such as a police report, a Australia or be evacuated to another country and You refuse, We
Property Irregularity Report (PIR), receipts, valuations, a repair will only consider:
quote, a death certificate and/or medical certificate.
(i) Your costs and expenses per Sections 1 and 2 (as applicable)
f) You must co-operate fully in the assessment or investigation of incurred up to the time of Our request; and
Your claim.
(ii) the lesser of:
g) When making a claim, You are responsible for assisting Us and
- an amount equivalent to the costs and expenses per
acting in an honest and truthful manner. If You make or try to
Sections 1 and 2 (as applicable) that You would have
make a false, exaggerated or fraudulent claim or use any false,
incurred after Our request had You moved to another
exaggerated or fraudulent means in trying to make a claim, We
hospital, returned to Australia or been evacuated to another
will not pay Your claim, Your cover under this policy will be voided
country as requested; or
(without any return of the amount You have paid), We may report
- Your costs and expenses actually incurred after Our request.
You to the appropriate authorities and You may be prosecuted.
d If You are hospitalised We will pay for a share room. If a share
h) Where You are a registered entity on a Domestic or Domestic
Cancellation Plan You may be entitled to an input tax credit for room is not available We will pay to upgrade You to a single room.
Your Amount Payable and/or for things covered by this policy. You e) If You do not hold a return airline ticket an amount equal to the
must disclose these entitlements to Us if You make a claim under cost of an economy class one way ticket will be deducted from
Your policy. Your claim for repatriation expenses.
i) If We agree to pay a claim under Your policy We will base any 11. Policy conditions applying to Sections 13, 14 and 15 only
claim payment on the Goods and Services Tax (GST) inclusive costs a) If the conveyance You are travelling in disappears, sinks or
(up to the relevant limits of liability). However, We will reduce crashes and Your body has not been found after 12 months You
any claim payment by any input tax credit You are, or would be, will be presumed to have died.
entitled to for the repair or replacement of insured property or for
other things covered by this policy. b) You must obtain and follow advice and treatment given by a
qualified doctor as soon as possible after suffering a disabling
injury, during the Period of Insurance.
1012. Sanctions regulation SECTION 2: Additional expenses
Notwithstanding any other terms or conditions under this policy,
1. If You become sick
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 Cover is subject to the advice of the treating qualified medical
to the extent that such cover, payment, service, benefit and/or activity practitioner and acceptance by Our emergency assistance team. If
of Yours would violate any applicable trade or economic sanctions, Your claim is coverable, We or Our emergency assistance team will
law or regulation. not unreasonably withhold or delay Our acceptance.
If during the Period of Insurance You suffer a Disabling Injury,
The benefits Sickness or Disease, We will pay the Additional accommodation
(room rate only) expenses and Additional transport expenses, at the
SECTION 1: Overseas medical and dental expenses same fare class and accommodation standard as originally booked,
(including emergency repatriation/evacuation) incurred by:
a) You. The benefit ceases when You are able to continue Your
Overseas medical expenses
Journey, travel Home or on the completion of the Period of
If during the Period of Insurance You suffer a Disabling Injury, Insurance, whichever is the earlier.
Sickness or Disease We will pay the usual and customary cost of b) Your travelling companion who remains with or escorts You until
medical treatment and ambulance transportation provided outside You are able to continue Your Journey, travel Home or on the
Australia by or on the advice of a qualified medical practitioner. completion of the Period of Insurance, whichever is the earlier.
Also includes the usual and customary cost of emergency repatriation c) one person (e.g. a Relative) (if You don’t have a travelling
or evacuation. In all cases the cost of evacuation or to bring You companion with You already) who travels to and remains with
back to Australia will only be met if Your claim is approved by Us You following You being hospitalised as an inpatient. The benefit
and it was arranged by and deemed necessary by Our emergency ceases when You are able to continue Your Journey, travel Home
assistance network. or on the completion of the Period of Insurance, whichever is
Overseas dental expenses the earlier.
We will also pay the reasonable expenses incurred in returning
If during the Period of Insurance You suffer a Disabling Injury,
Your Rental Car to the nearest depot if You suffer a Disabling Injury,
Sickness or Disease We will pay the usual and customary cost of
Sickness or Disease provided that, on the written advice of the
emergency dental treatment provided outside Australia by or on the
treating qualified medical practitioner, You are unfit to drive it.
advice of a qualified medical practitioner or dentist to relieve pain or
temporarily restore function. For example, if You have a sore tooth We will not pay for:
and need a regular filling or if a capped front tooth breaks and a
1. any costs or expenses incurred prior to You being certified by a
temporary cap is required.
qualified medical practitioner as unfit to travel.
Please note Also refer to: General exclusions - page 20 and Policy conditions -
Cover applies for a maximum of 12 months from the date of suffering page 10.
the Disabling Injury, Sickness or Disease. Overseas medical and
2. If You die
dental expenses cover may end less than 12 months from the date
of suffering the Disabling Injury, Sickness or Disease as We do not We will pay reasonable overseas funeral or cremation expenses or the
provide cover if these expenses are incurred outside the Period of cost of returning Your remains to Australia if:
Insurance. In certain circumstances The Period of Insurance will a) You die during the Period of Insurance. In either event the
automatically extend for a period of time – see Policy condition 9. maximum amount We will pay in total will not exceed $20,000; or
Free extension of insurance on page 10 for more information. b) You hold a valid Schengen Visa and You die in a Schengen
The maximum benefit limit for this section is: member state during the Period of Insurance. In either event the
maximum amount We will pay in total will not exceed 30,000EUR
Dental Medical for expenses incurred in that Schengen member state.
International Plan I $Unlimited 3. If a Relative or Your business partner not travelling with You
becomes sick
Trans-Tasman Plan IB $Unlimited We will pay reasonable Additional transport expenses at the same
Domestic Plan D - - fare class as originally booked if You are required to return to Your
Home due to the sudden Disabling Injury, Sickness or Disease or
We will not pay for: death of a Relative or business partner.
1. medical treatment, dental treatment or ambulance transportation 4. If Your Home is destroyed by fire, earthquake or flood
provided in Australia. We will pay Additional transport expenses at the same fare class
This exclusion does not apply to medical treatment provided while as originally booked if You are required to return Home due to the
on a ship (including cruise ship, passenger ship or passenger ferry) sudden disabling injury, sickness or disease or death of a Relative or
even if that ship is within Australian territorial waters. However, Your business partner who are not travelling.
this additional benefit does not apply to any medical treatment
provided on Australian inland waterways or while the ship is tied 5. Other circumstances
up in an Australian port. We will pay Your reasonable Additional accommodation (room rate
2. dental expenses involving the use of precious metals, whitening or only) and Additional transport expenses at the same fare class as
involving cosmetic dentistry. originally booked incurred on the Journey due to an unforeseeable
3. the continuation or follow-up of treatment (including medication) circumstance outside Your control and resulting from:
started prior to Your Journey. a) disruption of Your scheduled transport because of riot, strike or
4. medical treatment, dental treatment or ambulance transportation civil commotion occurring after the commencement of the Journey
provided in Your country of residence. provided You act reasonably in avoiding Additional costs;
5. private medical or hospital treatment where public funded b) disruption of Your scheduled transport because of a Cyber Incident
services or care is available, including medical or hospital provided You act reasonably in avoiding Additional costs;
treatment under any Reciprocal Health Agreement between c) loss of passport or travel documents except involving government
Australia and the Government of any other country unless We confiscation or articles sent through the mail;
agree to the private treatment. d) a Natural Disaster;
Also refer to: General exclusions - page 20 and Policy conditions - e) a collision of a motor vehicle, watercraft, aircraft or train in which
page 10. You are travelling;
f) Your scheduled transport being delayed for at least 12 hours due
to severe weather conditions. We will pay up to $300 providing
confirmation from the Transport Provider has been obtained.
11You can also read
