Docstoc

QBE_Travel_Insurance_Policy

Document Sample
QBE_Travel_Insurance_Policy Powered By Docstoc
					    TRAVEL INSURANCE
                                             FROM

                                               with



                                                      Full Details Inside




                                  INTERNATIONAL



                      ANNUAL MULTI TRIP



                                             AUSTRALIAN


                                                    QBE Insurance (Australia) Limited
Qantas Frequent Flyer members can earn 1                       ABN 78 003 191 035
Qantas Frequent Flyer point per $2 spent                  is the insurer of this policy
on eligible QBE Travel Insurance products.               Effective 15 February 2009
Combined Product Disclosure Statement, Policy
Wording and Financial Services Guide                                   Why pay for cover
                                                                       you don’t need?
Prepared 15 February 2009 and authorised for distribution by QBE
Insurance (Australia) Limited.

CONTENTS
 Product Disclosure Statement - Part 1                                 We have a range of basic travel insurance options which offer
 Travellers’ Emergency Assistance - OMEGA                        4-5   the essential benefits for any trip without the high price tag.*
 Availability                                                      7
 Cooling Off Period                                               17   INTERNATIONAL TRAVEL PLAN
 Cost Of This Insurance                                           17   Our basic cover for international travel provides unlimited
 Dispute Resolution Process                                       20
                                                                       cover for medical and dental expenses, medical and
 Duty Of Disclosure                                               18
 Eligibility                                                       8
                                                                       non-medical evacuation and repatriation, cancellation
 Excesses                                                         14   (excluding cruising) and additional expenses. Cruising
 Existing Medical Conditions                              11 & 14-15   cancellation has limited cover.
 Existing Medical Conditions Of A Non Travelling
 Relative Or Business Partner                             12 & 14-15   DEPOSIT PROTECTION TRAVEL PLAN
 General Insurance Code Of Practice                               20
 Privacy Policy                                                   18   Paid your deposit and want to ensure that you have cover should
 Qantas Frequent Flyer points                                     10   you need to cancel but don’t want the cost of a full travel insurance
 QBE addVANTAGE+ Option                                           10   policy just yet? The cost of this travel plan will be deducted from
 Restrictions To Cover                                             8   the price of an appropriate International Travel Plan when you
 Schedule Of Benefits                                                  make final payments for your trip.
    International Travel Plan                                      6
    International Deposit Protection Travel Plan
    Annual Multi Trip Travel Plan
                                                                   6
                                                                   6
                                                                       ANNUAL MULTI TRIP TRAVEL PLAN
    Australian Travel Plan                                         6   If you are a regular traveller, whether it’s overseas or within Australia,
    Australian Cancellation And Additional                             this travel plan offers comprehensive cover for any trip taken during
    Expenses Travel Plan                                           6   the 12 month period of insurance. This way you don’t have the hassle
 Significant Risks                                                16   of buying travel insurance each time you travel.
 Specified Item Cover                                              9
 Travel Insurance Guidelines                                      11
 Who Are You Dealing With?                                        13   AUSTRALIAN TRAVEL PLAN
 Policy Wording - Part 2                                               Covers travel within Australia for cancellation or rearrangement
    Cancellation                                                  24   costs, additional travel expenses, repatriation, limited
    Cancellation And Additional Expenses - Section A              27   cancellation cover for cruising and cover for your luggage and
    Death Expenses, Permanent Disability And Loss Of                   personal effects.
    Income - Section G                                            46
    Definitions                                                   21
    Evacuation And Repatriation - Section C                       34   AUSTRALIAN CANCELLATION
    Extra Travel Cover - Section D                                36
    Financial Default - Section I                                 50
                                                                       AND ADDITIONAL EXPENSES TRAVEL PLAN
    General Exclusions                                            25   Provides limited cover for your travel arrangements and
    Luggage And Personal Effects - Section F                      42   additional travel, accommodation and meals if you have to
    Making A Claim - Section K                                    52   cancel your trip.
    Making Changes To The Period Of Insurance                     24
    Medical And Dental Expenses - Section B                       31
    Personal Liability And Legal Expenses - Section H             48   However, depending on your
    Rental Vehicle Expenses - Section E                           41   travel arrangements, you may need
    Snow Sports Package - Section J                               50   additional cover. Take advantage
    When Does The Cover Under Each Benefit Begin And End?         24   of our QBE addVANTAGE+ Option which
    When Does The Policy Begin And End?                           23   allows you to add a range of increased
 Financial Services Guide - Part 3                                54   and additional benefits to the basic
                                                                       International, Annual Multi Trip
                                                                       and Australian Travel Plans.
                                                                       *Terms, limits and conditions apply. Please refer to the Product
                                                                       Disclosure Statement and Policy Wording for full details.                    1
    Think about what you will                                     Take advantage of our higher
                                                                  benefits and levels of cover
    be doing on your holiday...                                   to ensure that you have
    + Will you be snow boarding or skiing?                        adequate cover for your trip.
    + Is cruising a part of your holiday package?
    + Are you taking expensive computer or camera
      equipment?
    + Would you like new for old replacement of luggage?             INTERNATIONAL
    + Do double Qantas Frequent Flyer points interest you?               BASIC
                                                                                                       Benefit Levels
                                                                      Benefit Levels


                          Emergency surgery for a broken
                             wrist after a snow boarding
                                      accident in Canada              Excluded                      Unlimited
                                           $35,238
                             Alaskan cruise cancelled due
                              to hospitalisation to correct
                                 serious internal bleeding              $2,000                      Unlimited
                                           $14,975
                             The rental vehicle insurance
                             excess after a motor vehicle
                                       accident in Europe               $4,000                           $8,000
                                              $5,000
    You can add cover for:                                       +  Stolen Cash Cover
                                                                 +  Increased Emergency Luggage Cover
    + Additional Qantas Frequent Flyer points
                                                                 +  Double Rental Vehicle Insurance Excess Cover
    + Participating in snow sports including
                                                                 +  Unlimited cancellation cover for cancelled cruises
      - Ski Run Closure
                                                                 +  Medical expenses incurred onboard a cruise ship in Australian
      - Hiring Replacement Snow Equipment
                                                                    waters on the Australian Travel Plan.
      - Cost Of Unused Ski Lift Passes
    + “New for Old” replacement on items less than 3 years old   Available before and after departure.
    + Increased PC, Computer and Video Item Limits
2                                                                                                                                   3
                                                                              CONTACT DETAILS
                                                                              Ensure you have your Certificate of Insurance number and contact
                                                                              details with you.
                                                                              If you are in any of the following countries please use the toll free
                                                                              numbers below:

    It’s not just the financial impact                                        Austria 0800 291 702
                                                                              Brazil 0800 891 8401
                                                                                                                      Japan 00531 616 441
                                                                                                                      Malaysia 1800 800 428
    when disaster strikes.                                                    Canada 1800 665 3870                    Netherlands 08000 226 742
                                                                              China North 10800 611 0133              New Zealand 0800 441 678
    Not all hospitals are like the ones at home. Imagine being in             China South 10800 361 0151              Philippines 1800 1611 0045
    hospital where appropriate medical facilities are not available.          Fiji 00800 2149                         Singapore 800 6161 051
    Medical staff that don’t speak English and equipment is                   France 0800 90 5097                     South Africa 0800 99 3514
    limited to a stethoscope and a bandage. Or even just simply               Germany 0800 181 7694                   Spain 900 996 167
                                                                              Greece 00800 6112 6195                  Sweden 0200 214 612
    trying to rearrange your disrupted travel plans. Sometimes
                                                                              Hong Kong 800 933 877                   Switzerland 0800 838 533
    you just need help.                                                       Indonesia 001 803 61 683                Thailand 001 800 611 2885
    QBE’s inhouse travellers’ assistance team OMEGA has                       Ireland 1800 552 636                    United Kingdom 0800 899 813
    been providing assistance to travellers in need since                     Israel 180 945 6589                     United States 1800 765 8631
    1992. OMEGA is a team of trained medical and insurance                    Italy 800 875 100
    specialists available 24 hours a day, 7 days a week, 365 days             If you can’t use the toll free numbers above contact the international
                                                                              operator and ask for a “reverse charge” or “collect” call to
    a year. They are able to make decisions about your situation
                                                                              61 + 3 + 8805 2800. Calls from mobile telephones will be at your cost.
    and can provide assistance with things such as:
    • assessing and monitoring your condition after an accident or illness;   OMEGA
                                                                              Phone: 61 + 3 + 8805 2800          Fax: 61 + 3 + 8805 2815
    • medical repatriation, if required;
                                                                              email: omega@qbe.com
    • guaranteeing payment of hospital and medical bills;
                                                                              WITHIN AUSTRALIA
    • rescheduling disrupted travel plans;
                                                                              1300 555 019   -   OMEGA Emergency Assistance
    • replacement of lost tickets, passports or travel documents;             1300 791 948   -   Claims
    • arrangement of emergency transfer of funds;                             1300 791 948   -   Customer Service
    • interpreters in non-English speaking overseas hospitals; and            1300 791 948   -   Medical Services
    • urgent messages to your family or travel agent.
    Providing assistance is not in itself an admission of liability           LOST CREDIT CARDS/TRAVELLERS’ CHEQUES?
    for your claim and where relevant all services are subject to             Due to privacy requirements you need to contact your credit card/
    a claim being accepted under the policy.                                  travellers cheque company directly to cancel or replace credit cards
                                                                              and travellers’ cheques.
                                                                              Contact the international operator and ask to make a collect call
                                                                              to the appropriate phone number.
                                                                              American Express            61 + 2 + 9271 8664
                                                                              Diners Club                 61 + 3 + 8643 2210
                                                                              Visa                        1 + 410 + 581 9994
                                                                              Mastercard                  1 + 636 + 722 7111
                                                                              BEFORE YOU TRAVEL
                                                                              Subscribe to smartraveller.gov.au to receive travel
                                                                              advice and warnings every time an update is made.


4                                                                                                                                                      5
    SCHEDULE OF BENEFITS                     (Per adult includes any accompanying financially dependant child or children under 25 years)

                                                     Cancellation                  Emergency                                                                                                                              Luggage And Personal Effects                                                                 Damage to                                                                                              Snow Sports Package
     This list is a summary of some of the benefits Or Holiday          Cruise                                                             Medical And                                                                                                                                                                                                                                                                                                                      Bonus
                                                                                      Travel                Medical Expenses And                                                                                                                                                                            Stolen      Sporting Fraudulent Use        Loss of
                                                                     Cancellation Arrangements   Agents                                    Non Medical        Travel Delay Rental Vehicle                                                                                                      Emergency                                                                                                                                                                    Qantas
     covered by this policy and the applicable       Deferment        Or Holiday                             Dental Overseas
                                                                                               Cancellation Onboard A CruiseAnd             Evacuation                                     Personal Camera         Set of     Watches     Dentures                                                           Cash      Equipment Of Credit Or          Income      Personal       Legal       Financial
                                                                                                                                                                                                                                                                                                                                                                                                           Any Claim Arising Ski Lift Passes Ski Run Hire Replacement      Frequent
                                                                                                                                                                                                                                          Or Dental Other
                                                        Costs                          And                                    ship                                           Insurance                                                                               Maximum                    Luggage                                                            Liability    Expenses       Default
     limits. Please refer to the relevant section of                  Deferment Accommodation     Fees                                         And                                                                  Golf        And                                                 New                                While In Use Debit Cards                                                                                              Closure Snow Equipment          Flyer
                                                     Excluding A                                             In Australian Waters                                              Excess     Computer and Video Clubs                                     Item          Item Limit                                                                                                                           Due To Participation
     the Policy Wording for full details of cover.                      Costs                                                              Repatriation                                                                       Jewellery Prosthesis                                 For Old                                                                                                                                                                                  Points
                                                       Cruise                       Expenses                                                                  NO EXCESS                   Item Limit Item Limit Item Limit Item Limit Item Limit Limit                  Total                  NO EXCESS NO EXCESS      NO EXCESS                    NO EXCESS                                              In Snow Sports     NO EXCESS NO EXCESS      NO EXCESS
     Other applicable limits may apply.
                                                     Section A1       Section A1         Section A2   Section A3       Section B1           Section C          Section D1   Section E1                                             Section F1                                                  Section F2 Section F3     Section F4    Section F7    Section G5 Section H1 Section H2 Section I               Section J       Section J1   Section J2      Section J3

         INTERNATIONAL                                                                                                                                                                                                                                                                                                                                                                                                                                                      1 point
                                        APPLICABLE    Unlimited         $2,000           Unlimited     $2,000          Unlimited            Unlimited           $1,000           $4,000         $1,000   $1,000       $500        $600         $800        $500      $15,000           -            $500      -              -           $3,000       $12,000     $3,000,000    $15,000       $10,000            -                -             -              -
                                        PER ADULT
          TRAVEL PLAN                                                                                                                                                                                                                                                                                                                                                                                                                                                       per $2
                                          LIMITS
                                                                                                                                                                                                                                                                                                                                                                                                           Covered up to                                                    1 point
                                                                                                                                                                                                                                                                                  Applicable
                                                                      Unlimited                        $5,000                                                   $2,000           $8,000         $5,000   $5,000     $1,000                                                                          $750    $250           $500                                                                           relevant Section      $300          $500           $300
                                                                                                                                                                                                                                                                                  Item Limit                                                                                                                                                                                per $1
     additional or increased benefits                                                                                                                                                                                                                                                                                                                                                                           limit

       ANNUAL MULTI TRIP                                                                                                                                                                                                                                                                                                                                                                                                                                                    1 point
                                                                                                                                                                                                                                                                                       -                      -                                                                                                                   -             -              -
                                        APPLICABLE




                                                      Unlimited         $2,000           Unlimited     $2,000          Unlimited            Unlimited           $1,000           $4,000         $1,000   $1,000     $3,000       $1,000        $800        $500      $15,000                        $500                     -           $3,000       $12,000     $2,500,000    $15,000       $10,000            -
                                        PER POLICY




         TRAVEL PLAN                                                                                                                                                                                                                                                                                                                                                                                                                                                        per $2
                                          LIMITS




                                                                                                                                                                                                                                                                                                                                                                                                           Covered up to                                                    1 point
                                                                                                                                                                                                                                                                                  Applicable
                                                                      Unlimited                        $5,000                                                   $2,000           $8,000         $5,000   $5,000                                                                                     $750    $250           $500                                                                           relevant Section      $300          $500           $300
                                                                                                                                                                                                                                                                                  Item Limit                                                                                                                                                                                per $1
     additional or increased benefits                                                                                                                                                                                                                                                                                                                                                                           limit

           AUSTRALIAN                                                                                                                                                                                                                                                                                                                                                                                                                                                       1 point
                                                      $10,000           $2,000           $10,000       $2,000              -                 $5,000              $500            $3,000         $1,000   $500         $500        $500         $800        $500       $4,000           -            $500      -              -           $3,000           -       $300,000          -            $5,000          -                -             -              -
                                        APPLICABLE

                                        PER ADULT




           TRAVEL PLAN                                                                                                                                                                                                                                                                                                                                                                                                                                                      per $2
                                          LIMITS




                                                                                                                      $125,000                                                                                                                                                                                                                                                                             Covered up to                                                    1 point
                                                                                                                                                                                                                                                                                  Applicable
                                                                        $10,000                        $5,000      Medical Onboard                              $1,000           $6,000         $5,000   $750       $1,000                                                                          $750    $250           $500                                                                           relevant Section      $300          $500           $300
                                                                                                                                                                                                                                                                                  Item Limit                                                                                                                                                                                per $1
     additional or increased benefits                                                                              Cruise Ship Only                                                                                                                                                                                                                                                                             limit


          INTERNATIONAL DEPOSIT PROTECTION TRAVEL PLANS                                                      AVAILABILITY Is this travel plan available to me?                                                  ELIGIBILITY                                                                                       • Medical, dental and ancillary costs incurred within Australia are not
                                                                                                                                                                                                                • Insurance is not available to travellers outside Australia.                                       covered unless you have purchased the Australian Travel Plan with the QBE                        Look out for the throughout the Schedule
     These travel plans cover you for your deposit up to the applicable limit should                          INTERNATIONAL TRAVEL PLAN                                                                                                                                                                             addVANTAGE+ Option where cover is provided for emergency medical or
     you cancel your trip for a reason covered by this insurance. At the time of making                                                                                                                         • The terms and conditions of the policy are subject to the laws of the
                                                                                                                                                                                                                                                                                                                    dental treatment required onboard a cruise ship in Australian waters.
                                                                                                                                                                                                                                                                                                                                                                                                                     of Benefits. It highlights the increased
                                                                                                                                                                                                                  Australian state or territory where the Certificate of Insurance is issued. You
     your final payment you should upgrade to a travel plan suitable for your trip. The                       RESIDENTS OF AUSTRALIA           3              REGARDLESS OF YOUR AGE
                                                                                                                                                                                                                  agree to submit to the jurisdiction of the courts of that state or territory.                                                                                                                      levels of cover or additional
     amount paid by you for this travel plan will be deducted from the total amount
                                                                                                                                                                                                                • The International Travel Plan can be issued at any time unless you are a
                                                                                                                                                                                                                                                                                                                  SPECIFIED ITEM COVER                                                                               benefits available to add to your
     payable. Not available for purchase more then 12 months prior to departure.                                                                            IF YOU ARE UNDER 60 YEARS
                                                                                                              NON RESIDENTS OF AUSTRALIA       3          When Certificate Of Insurance Is Issued                 non resident of Australia, you are travelling to the USA, Canada, South or                      You can cover items worth more than the item limits for the selected travel
                                                                                                                                                                                                                                                                                                                                                                                                                     International, Annual Multi Trip
              APPLICABLE LIMITS                                    $2,500                                                                                                                                         Central America and Antarctica or you are 60 years of age or over at the                        plan on payment of an additional amount. Items separately insured under
                                                                                                              DEPOSIT PROTECTION TRAVEL PLAN                                                                      time the original Certificate of Insurance is to be issued in which event, it                   Specified Item Cover are covered up to the amount specified even if this                           and Australian Travel Plans.
                      AUSTRALIAN CANCELLATION AND                                                                                                                                                                 must be issued prior to the commencement of your trip. The Australian                           amount exceeds the total luggage limit set out in the Schedule of Benefits.
                    ADDITIONAL EXPENSES TRAVEL PLANS                                                          RESIDENTS OF AUSTRALIA           3              REGARDLESS OF YOUR AGE                              Travel Plan can be issued at any time. The Annual Multi Trip Travel Plan
                                                                                                                                                                                                                  must be issued prior to the commencement of your trip.                                                                              MAXIMUM      MAXIMUM                                       Ask our Distributor about availability, excesses and premiums.
     APPLICABLE LIMITS Per fare paying passenger               $1,000           $2,000
                                                                                                                                                            IF YOU ARE UNDER 60 YEARS                                                                                                                                                     PC’s         OTHER       TOTAL FOR                                     The premium is determined by your destination(s), duration, age,
                                                                                                                                                                                                                • There is no provision to suspend this policy during the period of insurance.
     This policy will cover you, if you are travelling within Australia and you only want                     NON RESIDENTS OF AUSTRALIA       3          When Certificate Of Insurance Is Issued               • The International Travel Plan can be purchased more than 12 months                                                                   ITEMS       ALL ITEMS                                     if you have an existing medical condition(s), wish to take specified
     cover for the non-refundable part of pre-paid travel arrangements or additional                                                                                                                              prior to departure provided you are under 60 years of age and you do                                                                                                                           items cover or you chose the addVANTAGE+ Option.
                                                                                                              ANNUAL MULTI TRIP TRAVEL PLAN                                                                                                                                                                        INTERNATIONAL         $6,000        $6,000        $15,000
     travel, accommodation and meals.                                                                                                                                                                             not require cover for an existing medical condition. An Advance Purchase                                                                                        To calculate
     There is no cover under this policy for claims relating to an existing medical                                                                                                                               Loading will apply. There is no advance purchase limit applies on the                            DEPOSIT                                                            the
                                                                                                                                                            IF YOU ARE UNDER 70 YEARS                                                                                                                              PROTECTION              7              7             7
     condition (including pregnancy), luggage or a trip in excess of 12 months.                               RESIDENTS OF AUSTRALIA           3          When Certificate Of Insurance Is Issued
                                                                                                                                                                                                                  Australian Travel Plan however the Australian Cancellation And Additional                                                                                        additional
                                                                                                                                                                                                                  Expenses Travel Plan cannot be purchased more than 12 months prior                               ANNUAL                                                          amount to                     QANTAS FREQUENT FLYER POINTS
    REGION SELECTION                                                                                          NON RESIDENTS OF AUSTRALIA       7                     NOT AVAILABLE                                to your trip. The Annual Multi Trip Travel Plancannot be purchased more
                                                                                                                                                                                                                  than 12 months prior to the nominated commencement date.                                         MULTI TRIP
                                                                                                                                                                                                                                                                                                                                         $6,000        $6,000        $15,000
                                                                                                                                                                                                                                                                                                                                                                                    specify a
                                                                                                                                                                                                                                                                                                                                                                                                                 One Qantas Frequent Flyer point can be earnt for every A$2
    You must select a Region based on your destination as follows:                                            AUSTRALIAN TRAVEL PLAN                                                                            • You cannot substitute the nominated insured, whose name appears on                               AUSTRALIAN              $6,000       $4,000         $10,000      necklace                     (two) dollars spent on an International, Annual Multi Trip or
                                                                                                                                                                                                                  the Certificate of Insurance.                                                                                                                                    valued at                     Australian Travel Plan. You will be eligible for these points upon
     REGION A Cover for USA, Canada, South and Central America and Antarctica.                                                                                                                                                                                                                                     AUSTRALIAN
                                                                                                              RESIDENTS OF AUSTRALIA           3              REGARDLESS OF YOUR AGE                                                                                                                                                                                                $4,000.                      departure. Points will be credited to your Qantas Frequent Flyer
                    Cover for Continental Europe, Middle East, Japan and Africa. Not
     REGION B available if more than 72 hours is spent in Region A destinations.                                                                                                                                RESTRICTIONS TO COVER                                                                              CANCELLATION
                                                                                                                                                                                                                                                                                                                                             7             7             7         $4,000 x                      account within 6 weeks of departure. If you purchase a QBE
                                                                                                                                                            IF YOU ARE UNDER 70 YEARS                           • There is no cover under this policy for any claim that results                                   AND ADDITIONAL
                                                                                                              NON RESIDENTS OF AUSTRALIA       3          When Certificate Of Insurance Is Issued                                                                                                                                                                                 3% = $120                      addVANTAGE+ Option at the time the original Certificate of
              Cover for UK, Asia and Tahiti. Not available if more than 72 hours                                                                                                                                  from your participation in a snow sports activity unless you have                                EXPENSES
     REGION C is spent in Region A destinations or the majority of your trip is                                                                                                                                   purchased the QBE addVANTAGE+ Option.                                                                                                                                                          Insurance is issued you will earn double Qantas Frequent Flyer
                                                                                                              AUSTRALIAN CANCELLATION TRAVEL PLAN                                                                                                                                                                 You must insure the total value per item. Please ensure you have proof                         points. You must be a member of the Qantas Frequent Flyer
              spent in Region B destinations.                                                                                                                                                                   • Cover for cancelling or deferring a cruise is limited to $2,000 on all                          of value (not more than 12 months old) of any item you specify. This will
                                                                                                              RESIDENTS OF AUSTRALIA           3              REGARDLESS OF YOUR AGE                              travel plans unless you purchase the QBE addVANTAGE+ Option.                                                                                                                                   program to earn and redeem points. Membership and points are
              Cover for Pacific Region and Indonesia. Not available to Region A,                                                                                                                                                                                                                                  be required should you make a claim. Depreciation does not apply to
     REGION D B or C destinations.                                                                                                                                                                              • The applicable limits listed in the Schedule of Benefits are per adult,                                                                                                                        subject to the terms and conditions of the Qantas Frequent Flyer
                                                                                                                                                                                                                                                                                                                  specified items in the event of a claim. Specified Item Cover is subject
              Cover for New Zealand only. Not available if any of the trip
                                                                                                              NON RESIDENTS OF AUSTRALIA       3              REGARDLESS OF YOUR AGE                              including any accompanying child or children, except the Australian                             to the terms and conditions as detailed under Section F1 “Luggage And
                                                                                                                                                                                                                                                                                                                                                                                                                 program. A joining fee applies. For further information on the
     REGION E is spent in Region A, B, C or D destinations.                                                                                                                                                       Cancellation And Additional Expenses which is per fare paying passenger.                                                                                                                       Qantas Frequent Flyer program visit qantas.com/frequentflyer
                                                                                                                                                                                                                                                                                                                  Personal Effects” in the Policy Wording.
6                                                                                                                                                                                                   7                                                                                               8                                                                                             9                                                                                     10
 GUIDELINES                                                                             AGE LIMITS                                                                             WHO ARE YOU DEALING WITH?                                                            EXISTING MEDICAL CONDITION(S)                                                        • Meniere’s disease, Tinnitus
                                                                                                                                                                                                                                                                                                                                                         • Menopause
     • You must purchase the travel plan applicable to your destination.
       If you are spending more than 72 hours in USA, Canada, South or
                                                                                        If you are aged 70 years or over at the time the Certificate of Insurance
                                                                                        is to be issued and you wish to purchase an International Travel Plan                  You Can Rely On Us                                                                   (INCLUDING PREGNANCY)                                                                • Migraines except where you have been hospitalised in the
       Central America or Antarctica you must purchase Region A Travel Plan.            ask our Distributor for a Travellers Medical Appraisal Form. You must                  QBE Insurance (Australia) Limited is a member of the QBE Insurance                   You must tell us if you or anyone in your travelling party has an                       past 12 months
                                                                                        complete Part A of the form and have your usual medical practitioner                   Group (ASX QBE). QBE Insurance Group is Australia’s largest                          existing medical condition. We will not pay any claim arising as a result            • Nocturnal cramps
     • We will not pay any claim if you are aged 70 years of over at the time the
                                                                                        complete Part B and submit for approval, via our Distributor, before the               international general insurer and reinsurance group, and one of                      of, or exacerbated by, or consequential upon your existing medical                   • Osteoporosis - where there have been no fractures and you do not
       Certificate of Insurance is to be issued or a claim arising as a result of, or
                                                                                        Certificate of Insurance can be issued. If your application is approved you            the top 25 insurers and reinsurers worldwide. The company has                        condition unless you have told us about it, we have agreed to cover                     require more than 1 medication
       exacerbated by, or consequential upon your existing medical condition
                                                                                        will be advised of any restrictions that may apply and asked to pay an                 been operating in Australia since 1886. QBE is a household name in                   you and you have paid any additional premium we ask for.                             • Plantar fasciitis
       unless you have applied for cover, we have agreed to cover you and you
       have paid any additional premium we ask for                                      additional premium.                                                                    Australian insurance, backed by sizeable assets and well known as a                  An existing medical condition is:                                                    • Raynaud’s Disease
                                                                                                                                                                               strong and financially secure organisation.                                          a. any chronic or ongoing (whether chronic or otherwise) medical or                  • Sleep apnoea
     • The International and Australian premium is per adult. A maximum of
                                                                                        EXTENSIONS                                                                                                                                                                     dental condition, illness or disease of which you were aware or should            • Stable High Blood Pressure (Hypertension)
       2 adults can be named on a Certificate of Insurance. Accompanying                                                                                                       About QBE Travel Insurance                                                              reasonably have been aware, and which is medically documented or                  • Trigeminal neuralgia
       financially dependant children, grandchildren, step children, nieces               INTERNATIONAL TRAVEL PLAN
                                                                                                                                                                               QBE Insurance (Australia) Limited                                                       under investigation prior to the issue of the Certificate of Insurance; or        • Trigger finger
       and nephews who are not in full-time employment and are under 25                   UNDER 70 YEARS when original                 Up to a maximum total duration
                                                                                                                             3                                                 ABN 78 003 191 035                                                                   b. any physical, mental illness or medical condition (including pregnancy),          • Routine screening tests where no underlying disease has been detected
       years of age are covered at no additional cost.                                    Certificate of Insurance issued               of 24 months from departure            A.F.S. Licence No. 239545                                                               defect, illness or disease of which you were aware or should reasonably           There is no cover under this policy if you have an existing medical
     • Please include your departure and return dates when calculating
                                                                                          70 YEARS OR OVER when original              Up to the maximum total duration         82 Pitt Street Sydney NSW 2000                                                          have been aware, and for which treatment, medication, preventative                condition and you do not apply for cover. To apply for cover ask our
       your duration.
                                                                                          Certificate of Insurance issued     3         applicable to your age band                                                                                                    medication, advice, preventative advice or investigation have been                Distributor for a Travellers Medical Appraisal Form which must be
     • If you wish to obtain details of stamp duty and taxes please                                                                                                            Please do not send your application for travel insurance
       call 1300 791 948.                                                                 ANNUAL MULTI TRIP TRAVEL PLAN                                                        to this address.                                                                        received or prescribed by a medical or dental adviser in the 60 days prior        completed and submitted with your application form, for approval,
                                                                                                                                                                                                                                                                       to the issue of the Certificate of Insurance and in the case of the Annual        via our Distributor, before the Certificate of Insurance can be issued. If
                                                                                          UNDER 70 YEARS when original
                      ANNUAL MULTI TRIP TRAVEL PLAN                                       Certificate of Insurance issued    3         Trip extensions are available           Enquiries and Assistance                                                                Multi Trip Travel Plan also within 30 days of booking a particular trip.          your application is approved you will be advised of any restrictions that
                                                                                                                                                                               For any enquiries and assistance please contact our                                  Note:                                                                                may apply due to age, duration or destination and asked to pay an
      • Cover under all applicable sections except Section A1 “Cancellation               AUSTRALIAN TRAVEL PLAN                                                               Customer Service Centre on 1300 791 948, (02) 9701 6500                                                                                                                   additional premium.
                                                                                                                                                                                                                                                                    • Where any condition is the subject of an investigation, that
        Or Holiday Deferment Costs”, A3 “Agent’s Cancellation Fees” and A4                                                            Up to a maximum total duration           or email toursafe@qbe.com                                                               condition falls within this definition, regardless of whether or not a            You may choose to take out cover to protect you if your trip is cancelled,
        “Loss Of Reward Points” will expire 12 months from the nominated                  REGARDLESS OF AGE                  3         of 12 months from departure                                                                                                     diagnosis of the condition has been made.                                         cut short or disrupted due to an existing medical condition of a non-
        “Commencement Date” you have selected on your application                                                                                                              Please note that calls to QBE will be recorded for training and
                                                                                                                                                                                                                                                                                                                                                         travelling relative or business partner (see page 12 for details). If you
        form. Cover under Sections A1, A3 and A4 will commence at the                   EXCESSES                                                                               verification purposes.                                                               • This definition applies to you, your travelling party, your relatives, your
                                                                                                                                                                                                                                                                       business colleague, or any other person you have a relationship with              do not select this additional benefit there will be no cover if your trip
        tim the Certificate of Insurance has been issued.
      • The maximum duration of any one trip is 60 days unless you                       TRAVEL PLAN                                           EXCESS                          PART 1 - PRODUCT DISCLOSURE                                                             whose state of health could impact on your travel plans.                          is cancelled, cut short or disrupted as a result of your non-travelling
                                                                                                                                                                                                                                                                                                                                                         relative’s or business partner’s existing medical condition.
                                                                                                                                                                                                                                                                    Provided the following existing medical conditions are stable and you or
        have selected the QBE addVANTAGE+ Option where the trip                          INTERNATIONAL                                            3                            STATEMENT (PDS)                                                                      anyone else to be covered are not waiting for treatment, on a hospital
        duration is extended to 90 days.
      • There is no limit to the amount of trips you may take during                     DEPOSIT PROTECTION                                       7                            Throughout the PDS and Policy Wording words highlighted in                           waiting list or awaiting results of medical tests or investigations in relation to
                                                                                                                                                                               italic have specific meanings. These meanings are set out in the                     any of these conditions, cover is provided without application.
        your 12 month period of insurance.                                               ANNUAL MULTI TRIP                                        3                            definitions section of the Policy Wording. For example: relative.                    • Acne
      • Provided you comply with the terms and conditions of this
        policy, including the requirements for an existing medical
                                                                                         AUSTRALIAN                                               3                            The PDS is designed to assist you in your decision to purchase                       • Allergies - such as allergic rhinitis, chronic rhinitis, hayfever,
        condition, including pregnancy, you can upgrade to cover your                    AUSTRALIAN CANCELLATION                                                               Toursafe Travel Insurance. It contains information about key benefits                   sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food
        accompanying spouse, defacto partner or dependant child or                       AND ADDITIONAL EXPENSES                              3                                and significant features. Any advice in this document is of a general                   intolerance, latex allergy
        children or you can include the QBE addVANTAGE+ Option at any                                                                                                          nature only and has not considered your objectives, financial                        • Anaemia - including iron deficiency anaemia, B12 deficiency, folate
                                                                                        An excess may apply to the travel plan you select. The excess is an                                                                                                            deficiency, pernicious anaemia
        time during the period of insurance. Cover under the upgrade will               amount that will be subtracted from the amount paid to you if you                      situation or needs.
        commence from the time you pay the premium until the period of                                                                                                                                                                                              • Asthma - not requiring cortisone medication or hospitalisation for the
                                                                                        should make a claim under various sections of the policy. When you                     This booklet contains the following sections which provide:                             past 12 months including as an outpatient
        insurance ends. Service Fees apply if upgrade is after the Certificate          purchase your travel insurance it is up to you to select the level of
        of Insurance has been issued.                                                                                                                                          • Part 1 - information about this travel insurance product (Product                  • Bell’s palsy
                                                                                        excess applicable to your policy. The amount of the excess will be                                  Disclosure Statement - PDS);                                            • Benign breast or renal cysts
                                                                                        shown on your Certificate of Insurance. Ask our Distributor about                                                                                                           • Bunions
     EXISTING MEDICAL CONDITIONS                                                        the excess options available to you. Travellers insured on the same                    • Part 2 - the detailed terms and conditions (Policy Wording); and
                                                                                                                                                                                                                                                                    • Carpal Tunnel syndrome
     (INCLUDING PREGNANCY)                                                              Certificate of Insurance must select the same excess option.                           • Part 3 - information about the financial service being provided                    • Cataracts, dry eye syndrome, glaucoma, macular degeneration
     (Cover not available on the Australian Cancellation and Additional                                                                                                                     to you by our Distributor (Financial Services Guide - FSG).             • Coeliac disease
     Expenses Travel Plans)                                                             EXISTING MEDICAL CONDITIONS OF A NON                                                   The PDS also contains important information about your rights and                    • Colonic polyps
     All existing medical condition(s) (including pregnancy) must be                    TRAVELLING RELATIVE OR BUSINESS PARTNER                                                obligations including:                                                               • Congenital blindness/deafness
     disclosed to us prior to the issue of the Certificate of Insurance unless          (Cover not available on the Deposit Protection and Australian                          The Duty of Disclosure on page 18                                                    • Diabetes Mellitus Types 1 and 2 - where you have no known
     they are one of the conditions listed in the section headed Existing               Cancellation and Additional Expenses Travel Plans or to non residents                                                                                                          cardiovascular, hypertensive, vascular disease and no related
                                                                                                                                                                               Privacy Policy on page 19                                                               kidney, eye or neuropathy complications
     Medical Condition(s) (including pregnancy) on page 14. To apply                    of Australia or after departure)
     for cover ask our Distributor for a Travellers Medical Appraisal Form                                                                                                     Cooling Off Period on page 18                                                        • Epilepsy - you have been seizure free for the past 12 months and
                                                                                        You may choose to take out cover to protect you if your trip is cancelled, cut
     which must be completed and submitted with your application                                                                                                               Dispute Resolution Process on page 20                                                   do not require more than 1 anti-seizure medication
                                                                                        short or disrupted due to an existing medical condition of a non-travelling
     form, for approval, via our Distributor, before the Certificate of                                                                                                                                                                                             • Goitre, hypothyroidism, Hashimoto’s disease, Graves’ disease
                                                                                        relative or business partner. If you do not select this additional benefit there       The full terms and conditions that apply to your policy are
     Insurance can be issued. If your application is approved you will                                                                                                                                                                                              • Gout
                                                                                        will be no cover if your trip is cancelled, cut short or disrupted as a result of      contained in the Policy Wording commencing on page 21.
     be advised of any restrictions that may apply and asked to pay an                                                                                                                                                                                              • Hiatus hernia/Gastro-oesophageal reflux disease, Peptic ulcer disease
                                                                                        your non-travelling relative’s or business partner’s existing medical condition
     additional premium.                                                                                                                                                                                                                                            • High Cholesterol (Hypercholesterolaemia)
                                                                                        unless you have told us about it, we have agreed to cover you and you have
                                                                                                                                                                                                                                                                    • High Lipids (Hyperlipidaemia)
                                                                                        paid any additional premium we ask for. To apply for cover ask our Distributor
                                                                                                                                                                                                                                                                    • Insulin resistance, impaired glucose tolerance
                                                                                        for the appropriate Travellers Medical Appraisal Form and about any
                                                                                                                                                                                                                                                                    • Incontinence
                                                                                        restrictions that may apply due to age, duration or destination.
                                                                                        On the Annual Multi Trip Travel Plan, cover must be applied for before
11                                                                                                                                                                        12                                                                              13   14                                                                                                                                                                     15
                                                                                        each trip taken during the period of insurance.
     SIGNIFICANT RISKS                                                             Service Fees
                                                                                   We or our Distributor may charge a fee for additional services provided to
     This Policy May Not Match Your Expectations                                   you after you have been issued with a Certificate of Insurance. This may
     This policy may not match your expectations (for example, because             include but is not limited to alterations and other changes you ask us to
     an exclusion applies). You should therefore read this PDS and Policy          make to your policy. We or our Distributor will notify you of any fee at the
     Wording carefully. Please ask our Distributor or us if you are unsure about   time you make a request for additional services.
     any aspect of the policy.
                                                                                   Amendment Of Travel Details
     Are You Sure You Have The Right Level Of Cover?                               If you wish to change your personal details or travel dates after your
     You need to make sure the limits of cover are appropriate for your            Certificate of Insurance has been issued, please contact our Customer
     needs. Otherwise you may be under insured and have to bear part of            Service Centre on 1300 791 948. We will either amend the policy over
     any loss that exceeds the limits yourself. Please refer to the applicable     the telephone or in certain circumstances we may ask you to complete
     limits as set out in the Schedule of Benefits and the Policy Wording.         and submit to us a Policy Amendment Form which needs to be
     Consider the QBE addVANTAGE+ Option as it provides additional                 assessed and approved prior to any amendment to your policy. Also
     benefits and higher levels of cover.                                          refer to section headed “When Does The Policy Begin And End?”.
     A Claim May Be Refused
     We may refuse to pay or reduce the amount we pay under a claim if
                                                                                   MATTERS YOU NEED TO KNOW ABOUT
     you do not comply with the policy conditions, if you do not comply            Cooling Off Period
     with your Duty of Disclosure or make a misrepresentation, or if you           If, having purchased the policy, you want to return it, you can do so
     make a fraudulent claim.                                                      within 14 days of receiving the Certificate of Insurance and obtain a full
                                                                                   refund, provided no right or power has been exercised under it by you
     Unattended Luggage And Personal Effects                                       (eg no claim has been made) and your trip has not commenced. Our
     There is no cover under this policy for luggage and personal effects          Distributor will arrange for a refund of the premium within 15 business
     that are left unattended. Please refer to the definition of unattended        days of you cancelling your policy. The Cooling Off Period does not apply
     in the Policy Wording and What is not Covered? under Section F1               to policy or trip extensions.
     “Luggage and Personal Effects”.
                                                                                   Confirming Transactions
     Medical And Ancillary Costs                                                   A Certificate of Insurance must be issued once you have completed your
     There is no cover for any medical, dental or ancillary costs incurred         application form and you have paid the appropriate premium. If you want
     within Australia except under the Australian Travel Plan where cover          to confirm a transaction, for example whether the Certificate of Insurance
     is provided for emergency medical treatment required onboard a                has been issued, you may contact us in writing or by phone.
     cruise ship within Australian waters. Refer to Section B1 “Medical And
     Dental Expenses Overseas And Onboard A Cruise Ship In Australian              Updating This PDS
     Waters” in the Policy Wording.                                                We will update the information in this PDS when necessary. A paper
                                                                                   copy of any updated information is available to you at no cost by
     THE COST OF THIS INSURANCE                                                    calling us. We will issue you with a new PDS or a supplementary PDS,
                                                                                   where the update is to correct a misleading or deceptive statement
     What You Have To Pay                                                          or an omission which is materially adverse from the point of view of a
     When calculating the cost of your policy, we take a range                     reasonable person deciding whether to obtain this insurance.
     of factors into account:
     • The length of your trip;
     • Your destination;
     • Your departure date;
     • Any additional amounts determined by QBE Insurance to cover an
        existing medical condition (including pregnancy);
     • Additional premium to cover items you specify; or
     • Whether you choose the QBE addVANTAGE+ Option.
     The premium paid by you for the travel plan selected and any
     additional benefits you choose, will be shown on your Certificate of
     Insurance, including compulsory government charges (including
     Stamp Duty and GST where applicable).
     This policy is only valid when you pay the premium and our Distributor
     issues a Certificate of Insurance to you.




16                                                                                                                                                                17
     Duty Of Disclosure - What You Must Tell Us                                    • a dispute resolution organisation, such as the Financial Ombudsman
     You have a Duty of Disclosure under the Insurance Contracts Act                  Service (for the purpose of resolving disputes between QBE and you
     1984 (Cth) that requires you to tell us certain things. Before you enter         or between QBE and a third party);
     into a policy with us, we will ask you a series of questions. You must        • a family member, in the case of a medical emergency;
     tell us everything you know or which a reasonable person in the               • our reinsurers, who may be located overseas;
     circumstances would be expected to know in answer to the questions            • a mailing house, records management company or technology
     in the application form. Before you extend or vary a policy, you must            service provider (for printing and/or delivery of mail, including
     tell us everything you know or which a reasonable person in the                  secure storage and management of our records);
     circumstances would be expected to know, for us to decide:                    • our related entities, so that we may offer you other products and services;
     • whether we will insure you;                                                 • a company to conduct surveys on our behalf for the purpose of
     • the premium we will charge you; and                                            improved customer services; and
     • whether any special conditions will apply to your policy.                   • an insurance reference bureau (to record any claims you make upon us).
     You do not have to tell us about any matter:                                  In addition to the above, in the event of a claim, QBE or our authorised
                                                                                   agent may disclose your personal information:
     • that diminishes the risk;
                                                                                   • to a repairer or supplier (for the purpose of repairing or replacing
     • that is of common knowledge;                                                   your insured items);
     • that we know or should know in the ordinary course of our business          • to an investigator, assessor, state or federal authority, medical
        as an insurer; or                                                             practitioners, hospitals or other professional advisers (for the
     • which we indicate we do not want to know.                                      purpose of investigating or assessing your claim);
     Everyone who is insured under the policy must comply with the Duty            • to a lawyer or recovery agent (for the purpose of defending an action by
     of Disclosure. If you provide information about another insured, you             a third party against you or recovering our costs including your excess);
     do this on their behalf. If you (or they) don’t comply with the Duty of       • to a witness to a claim (for the purpose of obtaining a witness statement);
     Disclosure, we may reduce the amount of any claim and/or cancel your          • to another party in a claim (for the purpose of obtaining a statement
     insurance. If fraud is involved, we may treat your insurance as void from        from them or seeking recovery from them or to defend an action by
     the beginning.                                                                   a third party).
     Privacy Policy                                                                Personal information (about you) may also be obtained from the
     The Privacy Act 1988 (Cth) (the Act) regulates the way organisations          above people or organisations.
     such as QBE collect, use, protect and disclose personal information. We       In addition we will:
     are committed to safeguarding your privacy and the confidentiality of         • give you the opportunity to find out what personal information we hold
     your personal information. QBE collects only that personal information           about you and, when necessary, correct any errors in this information.
     necessary for it to assess and manage your insurance application or              Generally we will do this without restriction or charge; and
     policy, including any claim that may be made under the policy. We will        • provide our dispute resolution procedures to you, should you wish to
     only use and disclose your personal information for a purpose you would          complain about how we handle your personal information.
     reasonably expect. We will request your consent for any other purpose.
     If you do not provide QBE with this personal information we may not be        Our aim is to always have accurate and up-to-date information. When you
     able to process your application for insurance cover or process your claim.   receive a Certificate of Insurance or other documents from us, you should
                                                                                   contact us if the information is not correct. Where reasonably possible we
     We or our authorised agent may disclose your personal information to:         will correct the information on our systems or held on file. If you have a
     • any person authorised by you;                                               complaint or want more information about how QBE is managing your
     • an insurance agent who is arranging your insurance (for the purpose         personal information, please contact the Compliance Manager using
         of confirming your personal and insurance details);                       the contact details provided below. For security reasons, any request for
     • another person named as a co-insured on your policy (for the                details of personal information held by us should be made in writing.
         purpose of confirming if full disclosure has been made to us);            The Compliance Manager
     • another insurer (for the purpose of seeking recovery from them or           QBE Insurance (Australia) Limited
         to assess insurance risks or to assist with an investigation);            GPO Box 82
                                                                                   Sydney NSW 2001
     • an organisation who provides you with banking facilities (for the
                                                                                   Telephone: (02) 9375 4656
         purpose of confirming payments made by you to us);
                                                                                   Fax: (02) 8275 9022
     • an airline, medical practitioner, treating doctor or emergency assistance   Email: compliance.manager@qbe.com
         provider (to establish your medical status and fitness to travel);




18                                                                                                                                                                 19
     Our Dispute Resolution Process                                                PART 2 - POLICY WORDING
     If a complaint arises during your dealings with us or our representatives,
     you should first discuss the matter with the person with whom you have        DEFINITIONS
     been dealing. Where your complaint is not resolved to your satisfaction you   Applicable limit(s) means the sum insured specified in the Schedule of
     should request that the matter be dealt with by our Internal Complaints       Benefits or Policy Wording for the travel plan selected as shown on the
     Handling Process. Our Distributor can assist you to lodge your complaint or   Certificate of Insurance.
     our Customer Service Centre 1300 791 948 or (02) 9701 6500 can take the       Carrier(s) means the scheduled airline, vessel, train, or motor coach
     details for you. You will be provided with a copy of our brochure detailing   transport in which you are to travel to or from your intended destination.
     our complaints handling process. Your complaint will be handled by a          Child or children means your child or children, stepchild or stepchildren,
     person with authority to resolve the matter. Your complaint should be dealt   grandchild or grandchildren, nieces and nephews who are under 25
     with within 15 business days unless we notify you of the reasons why it       years of age at the time the Certificate of Insurance is to be issued and
     cannot be dealt with within that time.                                        who are financially dependant on you.
     If the complaint remains unresolved to your satisfaction, you can             Electronic equipment means any equipment that operates using
     request that it be reviewed by the Financial Ombudsman Service (the           batteries or electricity including ipods, MP3 players, satellite navigation
     FOS). The FOS resolves certain insurance disputes between consumers           units and electronic games.
     and insurers and will provide an independent review at no cost to             Existing medical condition(s) means:
     you. QBE Insurance is bound by the determination of the FOS but the           a. any chronic or ongoing (whether chronic or otherwise) medical or dental
     determination is not binding on you.                                             condition, illness or disease of which you were aware or should reasonably
     The General Insurance Code Of Practice                                           have been aware, and which is medically documented or under
                                                                                      investigation prior to the issue of the Certificate of Insurance; or
     QBE Insurance is a signatory to the General Insurance Code of Practice.
     The Code aims to:                                                             b. any physical, mental illness or medical condition (including pregnancy),
                                                                                      defect, illness or disease of which you were aware or should reasonably
     (a) promote better, more informed relations between insurers and                 have been aware, and for which treatment, medication, preventative
         their customers;                                                             medication, advice, preventative advice or investigation have been
     (b) improve consumer confidence in the general insurance industry;               received or prescribed by a medical or dental adviser in the 60 days prior
     (c) provide better mechanisms for the resolution of complaints and               to the issue of the Certificate of Insurance and in the case of the Annual
         disputes between insurers and their customers; and                           Multi Trip Travel Plan also within 30 days prior to booking a particular trip.
                                                                                   Note:
     (d) commit insurers and the professionals they rely upon to higher
         standards of customer service.                                            • Where any condition is the subject of an investigation, that
                                                                                      condition falls within this definition, regardless of whether or not a
     To obtain a copy of the General Insurance Code of Practice                       diagnosis of the condition has been made.
     go to www.codeofpractice.com.au
                                                                                   • This definition applies to you, your travelling party, your relative(s),
                                                                                      your business colleague, or any other person you have a relationship
                                                                                      with whose state of health could impact on your travel plans.
                                                                                   Financial default means the insolvency, bankruptcy, provisional liquidation,
                                                                                   financial collapse, appointment of receivers or any other form of
                                                                                   insolvency administration of any person, company, or organisation.
                                                                                   Home in Australia means your usual residential address in Australia or
                                                                                   an Australian hospital if we repatriate you.
                                                                                   Injury means a bodily injury that is caused solely and directly by
                                                                                   external and visible means as a result of an accident and which does
                                                                                   not result from an illness or disease.
                                                                                   Mental illness means a condition characterised by the presence of symptoms
                                                                                   such as delusions, hallucinations, disorder of thought form, disturbance of
                                                                                   mood, or sustained or repeated irrational behaviour, which impairs, either
                                                                                   temporarily or permanently, the mental functioning of a person.
                                                                                   Period of insurance means the period of cover specified in the
                                                                                   Certificate of Insurance.
                                                                                   Personal computer means laptops, personal digital assistants including
                                                                                   a blackberry and other hand-held wireless devices and notebooks.
                                                                                   Point of arrival means an airport, port, station or bus terminal to which
                                                                                   your pre-paid scheduled public transport arrives.




20                                                                                                                                                                     21
     Point of departure means an airport, port, station or bus terminal from                (ii) 60 days after the commencement of the relevant trip if
     which your pre-paid scheduled public transport departs.                                      you have purchased the Annual Multi Trip Travel Plan but
     Premium means the total amount payable for the insurance in accordance                       is extended to 90 days if you have purchased the QBE
     with the rates available by obtaining a quote, plus an amount for any                        addVANTAGE+ Option; or
     additional benefits you have selected or charges imposed by us. It                     (iii) the expiry of the period of insurance.
     includes commission, stamp duty and GST if applicable.
                                                                                       The period of travel cannot be altered without our consent.
     Professional sporting activity means an activity for which you receive
     financial reward, or benefits from participating in that sporting activity,       Unattended means leaving your luggage either with a person you have
     regardless of whether or not you are a professional sportsperson.                 not previously met, or, in a public place where it can be taken without
                                                                                       your knowledge or at a distance from which you cannot prevent it
     Relative(s) is limited to a relative of yours, or of a member of the travelling   from being taken.
     party, who is resident in Australia or New Zealand. It means a spouse,
     defacto partner, parent, parent in-law, daughter, son, daughter-in- law,          We, our(s), us, refers to QBE Insurance (Australia) Limited ABN 78 003 191 035.
     son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild,           You, your, yours, yourself means the person or persons listed as adults
     grandparent, stepparent, stepchildren, fiance or fiancee, or guardian.            in the Certificate of Insurance and in the case of the International and
     Rental vehicle means any car, campervan, motorcycle or boat you rent              Australian Travel Plans, their accompanying child or children. Under the
     from a licenced rental vehicle company and have a signed contract                 International and Australian Travel Plans if 2 adults are named as insureds
     with that company.                                                                on the Certificate of Insurance the benefits, terms, applicable limits and
     Repatriate(d) or repatriation means travel arrangements made by us for            conditions will be the same as if a separate Certificate of Insurance had
     your return to your home in Australia or where we consider to be the              been issued to each adult. In the case of an Annual Multi Trip Travel Plan,
     nearest suitable alternative.                                                     if you have paid the upgrade fee “You, your, yours, yourself” means you and
                                                                                       your accompanying spouse or defacto partner named as adults on the
     Resident of Australia means someone who currently resides in Australia            Certificate of Insurance, and/or accompanying child or children.
     and is eligible for an Australian Medicare Card.
     Scheduled public transport means a public transport system that runs              Your Policy Is A Contract Of Insurance
     to a timetable.                                                                   Your policy is a contract of insurance between you and us. You pay us
     Snow sports mean skiing, snow boarding and ski biking.                            the premium, and in return we provide you with cover under the travel
     Terrorist act means an act or threat of force or violence by any                  plan you have chosen.
     person acting alone or in association with an organisation or foreign             Your contract consists of:
     government, where the purpose, by its nature or context, is to put
                                                                                       • these terms and conditions;
     the public or a section of the public in fear, to resist or influence a
     government or, to further an ideological, religious, ethnic or similar act.       • the section in the Schedule of Benefits which relates to the travel
     Total permanent disability means you have lost any part of your arm                  plan you have chosen;
     between the shoulder and wrist or any part of your leg between the                • your Certificate of Insurance, which will show the travel plan you
     hip and ankle or use of the above, or lost sight in one or both eyes for             have chosen;
     at least 12 months and after consultation with an appropriate medical             • any additional options; and
     specialist and, in our opinion, that loss will continue indefinitely.
                                                                                       • any written endorsements we give you.
     Travelling party means you and any travelling companion who has
     made arrangements to accompany you for at least 50% of the trip.                  Together these documents make up your policy.
     Trip(s) in the case of the International and Australian Travel Plans              It is important that you read your policy carefully, and keep this
     means the period of travel stated in the Certificate of Insurance. The            booklet in a safe place for future reference.
     period begins on the date of departure, as stated in the Certificate of           If you have any questions regarding your policy, please telephone our
     Insurance, from your home in Australia and ends when you return to                Customer Service Centre on 1300 791 948 or Sydney (02) 9701 6500.
     your home in Australia, or when the period of the trip set out in the
     Certificate of Insurance ends, whichever happens first. In the case               You Must Co-operate With Us
     of the Annual Multi Trip Travel Plan, trip(s) means a period of travel            You must co-operate with us and give us all the information and
     undertaken by you during the period of insurance, that includes                   assistance we need to deal with your claim. If you do not, we may not
     pre-paid scheduled public transport or rental vehicle hire for travel             be able to settle your claim.
     for a minimum of 200 km:
     (a) commencing when you leave your workplace or home in Australia,                When Does The Policy Begin And End?
          provided you travel from there directly to your point of departure,          Your policy will be valid for the period of insurance when you have paid the
          or if you do not travel directly to your point of departure then when        premium and you have been provided with a Certificate of Insurance.
          you arrive at your point of departure; and
                                                                                       The period of insurance will start and end on the dates shown in your
     (b) ceasing at the earlier of:                                                    Certificate of Insurance or when you return to your home in Australia
          (i) when you arrive at your workplace or home in Australia,                  whichever happens first. Cover under the Annual Multi Trip Travel
                provided you travelled there directly from your point of arrival,      Plan is available for any trip up to 60 continuous days. However, this is
                or if you do not travel directly to your workplace or home in          extended to a period of 90 continuous days if you purchase the QBE
                Australia then when you arrive at your point of arrival;               addVANTAGE+ Option.


22                                                                                                                                                                       23
     When Does The Cover Under Each Benefit                                           General Exclusions
     Begin And End?                                                                   These are the general exclusions which apply to all sections of this
     This policy contains a number of different benefits. Cover under those           policy. You should read them, together with the cover and the specific
                                                                                      exclusions referred to under each section of cover.
     benefits may begin and end at different times. Each section of the
     policy sets out when the cover begins and ends.                                  There is no cover under any section of this policy for any claim arising
                                                                                      directly or indirectly because of any of the following:
     Making Changes To The Period Of Insurance                                        1. you travel:
     The period of insurance cannot be changed without our consent. If you                 (a) even though you know you are unfit to travel; or
     wish to defer or alter the period of insurance, we may ask you to submit              (b) against medical advice; or
     a Policy Amendment Form. We will decide whether or not to agree                       (c) when you know you will have to consult a medical practitioner; or
     to alter the period of insurance based on the information you give us,                (d) for the purpose of obtaining medical advice or treatment.
     together with any additional information we ask for. If we agree to              2. you maintain a course of treatment you were on at the time your
     defer or alter that period of insurance you will be issued with a new                 trip commenced, except where this is covered under Section F1
     Certificate of Insurance which will show the change of the period of                  “Luggage and Personal Effects”.
     insurance and any premium adjustment.                                            3. the illness, injury or death, is caused or exacerbated by, or
                                                                                           consequential upon, an existing medical condition of you, a member
     However, if the scheduled transport in which you are to travel is                     of the travelling party or a non-travelling relative or business partner.
     delayed, or your trip is delayed by an event that entitles you to make                This exclusion will not apply if you have applied to cover the existing
     a claim under this policy, the period of insurance is automatically                   medical condition, cover has been granted by us in writing and you
     extended beyond the period of your original trip. This extension lasts                have paid us any additional amount we asked for.
     until you are capable of travelling to your final destination, including         4. the illness, injury or death of you, a member of the travelling
     the journey there, or for a period of 6 months beyond the period of                   party or a non-travelling relative or business partner is caused or
     insurance, whichever happens first.                                                   exacerbated by or consequential upon, any condition which has
                                                                                           been the subject of a medical investigation within the period of
     Cancellation                                                                          12 months prior to the issue of the Certificate of Insurance, in
     By You                                                                                respect of which no diagnosis has been made.
                                                                                      5. the birth of a child, whatever the proximate cause is. (Unless
     Once the Certificate of Insurance has been issued you are not entitled
                                                                                           otherwise excluded by this policy and provided a Travellers Medical
     to a refund of any part of the premium except as provided for in the                  Appraisal Form has been submitted and approved by us, we will
     section headed “Cooling Off Period”. See the Cooling Off Period section               cover pregnancy related illnesses of the mother, but not any
     for further details on page 17.                                                       expenses associated with or consequent upon the birth of a child).
     By Us                                                                            6. any cover if you are 70 years of age or over at the time the
     We can cancel your insurance in any way permitted by law, including                   Certificate of Insurance is to be issued unless you have applied for
     if you have:                                                                          cover, cover has been granted by us in writing and you paid us any
                                                                                           additional premium asked for.
     • failed to comply with your Duty of Disclosure; or                              7. the illness, injury or death of a person who is not a member of
     • made a misrepresentation to us before the policy was entered in to; or              your travelling party and is 80 years of age or over at the time the
                                                                                           Certificate of Insurance is issued.
     • failed to comply with a provision of a policy, including failure to pay
                                                                                      8. any cover under the Annual Multi Trip Travel Plan where you are 70 years
        the premium; or                                                                    of age or over at the time the Certificate of Insurance is to be issued.
     • made a fraudulent claim under this policy or any other current policy; or      9. a member of the travelling party decides to alter their plans or not
     • failed to notify us of a specific act or omission as required by the policy.        to continue with the trip.
                                                                                      10. illness or death where a metastatic condition and/or terminal prognosis
     If we cancel your policy, we will do so by giving you written notice. We will         was made, in relation to any medical condition, prior to the issue of the
     deduct from the premium an amount to cover the shortened period for                   Certificate of Insurance or 30 days prior to booking any trip under the
     which you have been insured by us, and refund to you what is left.                    Annual Multi Trip Travel Plan.
                                                                                      11. a member of the travelling party:
                                                                                           (a) deliberately injures themself; or
                                                                                           (b) being under the influence of, or is addicted to, intoxicating
                                                                                                 liquor or a drug, except a drug taken in accordance with the
                                                                                                 advice of a registered medical practitioner; or
                                                                                           (c) suffers any mental illness including dementia, depression,
                                                                                                 anxiety, panic attack, stress, bipolar, mania, schizophrenia or
                                                                                                 other nervous disorder; or
                                                                                           (d) suffers HIV with AIDS related infection or illness; or
                                                                                           (e) takes part in a riot or civil commotion; or
                                                                                           (f ) acts maliciously; or
                                                                                           (g) hunts, plays polo, races (except on foot), mountaineers or
                                                                                                 rock climbs using support ropes, participates in basejumping,
                                                                                                 running with the bulls, takes part in a professional sporting
                                                                                                 activity, or pot holing; or

24                                                                                                                                                                     25
           (h) travels in international waters in a private sail vessel or
                privately registered sail vessel; or
                                                                                           Section A - Cancellation
           (i) participates in, or trains for, a professional sporting activity; or        And Additional Expenses
           (j) scuba dives unless you hold an open water diving licence or                 Am I Covered Under Section A?
                were diving under licensed instruction; or                                 Section A is divided into different benefits which apply depending on the
           (k) rides a motor cycle in excess of 100 cc (except as a pillion passenger)     travel plan you have chosen. This plan appears on your Certificate of Insurance.
                without a licence that is valid in your country of residence; or
           (l) rides a 4 wheel motor cycle even as a pillion passenger; or                  International Travel Plan               All Sections
           (m) participates in a snow sports activity without purchasing the                Annual Multi Trip Travel Plan           All Sections
                 QBE addVANTAGE+ Option.
     12.   a loss which is recoverable under some other scheme. For                         Australian Travel Plan                  All Sections
           example, medicare, a private health fund, national reciprocal                    Deposit Protection Travel Plan          Section A1 - A3
           health fund or scheme, workers’ compensation scheme, travel                      Australian Cancellation And
           compensation fund or accident compensation scheme.                                                                       All Sections
                                                                                            Additional Expenses Travel Plans
     13.   any consequential loss or loss of enjoyment.
     14.   a loss caused by, arising directly or indirectly from or in any way                                                      All sections relevant to the
           connected with a criminal or dishonest act by you or by a person                                                         selected travel plan
           with whom you are in collusion.
     15.   a loss caused by, arising directly or indirectly from or in any way             You must read Section A together with the General Exclusions,
           connected with war, invasion, act of a foreign enemy, hostilities               as these may affect your cover.
           (whether war is declared or not), civil war, rebellion, revolution, military    What Are The Events That Will Be Covered Under Section A?
           or usurped power or civil insurrection, except as provided for in event 3       We will cover you under Section A in respect of your planned trip if one of
           under “What Are The Events That Will Be Covered Under Section A?”
                                                                                           the following events occurs after the issue of the Certificate of Insurance:
     16.   a loss caused by, arising directly or indirectly from or in any way connected
           with the use, existence or escape of nuclear weapons material, or ionising      1. you are unable to start or finish the trip because of the death, sudden
           radiation from, or contamination by, radioactivity from any nuclear fuel, or         serious illness or serious injury arising before or during the trip of:
           nuclear waste from the combustion of nuclear fuel.                                   • a member of your travelling party; or
     17.   a loss caused by, arising directly or indirectly from or in any way                  • a relative or business partner or person in the same employ as
           connected with any government intervention, prohibition, or                             you, who is a resident in Australia or New Zealand.
           regulation except as provided for in event 6 under “What Are The
           Events That Will Be Covered Under Section A?”.                                          But before we will cover you, you must provide us with proof that:
     18.   a government authority seizing, withholding or destroying                               • the death has occurred or the illness or injury requires
           anything of yours or any prohibition by or regulation or                                   hospitalisation or confinement; or
           intervention of any government or any government not allowing                           • in the case of a business partner or person in the same
           you to enter or to stay in that country.                                                   employ as you, the person’s absence made the cancellation
     19.   an act or threat of terrorism. This exclusion does not apply to Section                    or ending of the trip necessary, and you have written
           B1 “Medical And Dental Expenses Overseas Or Onboard a Cruise                               confirmation of that fact from a senior representative or
           Ship in Australian Waters, Section D6 “Hijacking”, D7 “Emergency                           director of the business.
           Accommodation Due To Terrorism”, Section F1 “Luggage or Personal
           Effects” or under Section C1 “Medical Evacuation And Repatriation” for          2. a claim arising from an existing medical condition of a member of your
           the cost of repatriation to or within Australia, if the carrier requires you         travelling party or a non travelling relative or business partner if you have
           to be brought back with a medical escort.                                            applied to cover the existing medical condition, cover has been granted
     20.   the cancellation or delay of travel arrangements due to                              by us in writing and you have paid us any additional amount we asked
           mechanical breakdown of transportation or failure of the                             for, or if the member of your travelling party who is suffering from the
           carrier to operate the service.                                                      existing medical condition has taken out alternative insurance.
     21.   you fail to take reasonable precautions to avoid a financial loss after a       3. your pre-paid scheduled public transport services or pre-paid tour
           public warning of a strike, riot, civil commotion, or natural disaster.              have been cancelled or restricted because of severe weather,
     22.   you operate a rental vehicle in violation of the rental agreement.                   natural disaster, riot, strike or civil insurrection.
     23.   the financial default of a travel agent, scheduled serviced airlines,           4. your pre-paid accommodation has been destroyed or is uninhabitable
           hotel and resort operators, car and campervan hire companies,
                                                                                                due to severe weather or natural disaster and no alternative equivalent
           cruise lines, railway operators and theme park operators to the
           extent that your loss is covered by a scheme or fund (not a                          accommodation is available in the vicinity. You must have done
           contract of insurance), or would be covered but for this insurance.                  everything reasonable to obtain alternative accommodation.
     24.   the financial default of any person, company or organisation                    5. a member of the travelling party is required to do jury service or has
           involved in your travel arrangements and that financial default                      received a summons to give evidence in a criminal court of law.
           occurred prior to the issue of the Certificate of Insurance.                    6. a member of the travelling party is confined in compulsory quarantine.
     25.   a loss under the Annual Multi Trip Travel Plan which occurs in                  7. you have been involved in, or your travel arrangements have been
           excess of 60 days of any trip or in excess of 90 days of any trip if
                                                                                                cancelled or delayed by, a motor vehicle, railway, air or marine
           you have purchased the QBE addVANTAGE+ Option, unless you
           have applied for a trip extension and it has been approved by us.                    accident or incident. You must have written confirmation of the
     26.   credit card conversion fees or any other bank charges.                               accident or incident from an official body in the country where the
                                                                                                accident or incident happened.

26                                                                                                                                                                              27
     8.    your passport, travel documents or credit cards are lost or damaged.        If cancellation is due to an illness or injury you must provide us with
     9.    a member of your travelling party, who is a full time student, is           documentation from your treating doctor to confirm you are unfit to
           required to sit supplementary examinations conducted by their               commence or continue with your trip.
           educational institution.                                                    What Is Not Covered?
     10.   a member of your travelling party has been made redundant from              1. We will not pay for the value of unused pre-paid transport
           full-time permanent employment in Australia.                                   costs where we have repatriated you a distance equivalent to,
     11.   the cancellation of pre-arranged leave by your employer for a                  or greater than, the total distance remaining on your itinerary
           member of your travelling party who is a full-time permanent                   at the point of repatriation. Where the total distance of the
           employee of the police, fire, ambulance or emergency services.                 repatriation is less than the unused travel arrangements we will
                                                                                          calculate your entitlement on a pro-rata basis, taking into account
     12.   you are unable to start the trip because your employer cancels                 the cost of your original ticket.
           your pre-arranged leave and you are in full-time permanent                  2. We will not pay for the value of any pre-paid snow sport arrangements
           employment. Cover is only available if you purchased this travel               except when you have purchased the QBE addVANTAGE+ Option
           insurance no later than 7 days of paying final monies for your                 and cover is as provided for under Section J.
           prepaid travel arrangements and is limited to $1,000 per adult,
           including any accompanying child or children.                               What Is The Most We Will Pay?
     13.   your normal place of residence or business premises in Australia            The most we will pay per adult, including any accompanying child or
           has been destroyed or rendered insecure due to a natural disaster,          children under this benefit, is the amount set out in the section in the
                                                                                       Schedule of Benefits which relates to the travel plan you have chosen,
           fire or malicious damage.
                                                                                       unless you are claiming for pre-paid theme park and event tickets, golf
     14.   a wedding, conference, pre-paid concert, course, tuition or sporting        green fees or tuition fees that cannot be used because of an event set out
           event has been cancelled, and the sole purpose of the trip is to attend     under “What Are The Events That Will Be Covered Under Section A?” which
           that wedding, conference, concert, course, tuition or sporting event.       are limited to $500 per adult, including any accompanying child or children.
     15.   a member of your travelling party has been effected by any form
           of insolvency, administration or bankruptcy of their employer.              Section A2 Emergency Travel Arrangements
     16.   a tour operator or wholesaler has cancelled a tour because there are        And Accommodation Expenses
           not enough people to begin or complete the tour. Cover is limited to        When Does The Cover Begin And End?
           the pre-paid cost of the transport arrangements purchased solely to         The cover under this benefit begins from the time you leave on your
           get to the departure point and returning from the finishing point of        trip and ends when you return to your home in Australia or when
           that tour, or rearrangement costs, whichever is the lesser.                 the period of insurance ends, whichever happens first.
     17.   the financial default of scheduled service airlines, hotel and
           resort operators, car and campervan hire companies, cruise lines,           What Is Covered?
           railways operators and theme park operators excluding travel                We will cover you for expenses you incur for reasonable additional
           agents. Cover is limited to $10,000 Annual Multi Trip Travel Plan           travel, accommodation, meals and internet use and emergency
           and the International Travel Plan and $5,000 on Australian Travel           telephone calls if you have to interrupt your trip after it has begun, because
           Plan. Cover not available on Deposit Protection or Australian               of an event set out under “What Are The Events That Will Be Covered Under
           Cancellation And Additional Expenses Travel Plans.                          Section A?”. If the interruption to your trip requires repatriation refer to
                                                                                       Section C for details of cover.
     Section A1 Cancellation Or Holiday Deferment Costs                                You must not organise any additional travel or accommodation in
                                                                                       excess of $1,000 without our prior consent.
     When Does The Cover Begin And End?
     The cover under this benefit for the International, Deposit Protection,           What Is Not Covered?
     Australian and the Australian Cancellation And Additional Expenses                1. Any additional travel you undertake must be at the fare class
     Travel Plans begins from the time the Certificate of Insurance is issued             that you originally chose, except where we agree differently on
     to you and ends when you return to your home in Australia or when the                the basis of a written recommendation from your treating doctor.
     period of insurance ends, whichever happens first.
                                                                                       2. If you return to your home in Australia because of the interruption
     The cover under this benefit for the Annual Multi Trip Travel Plan begins            and you do not have a return ticket at the time of the event that
     from the time the Certificate of Insurance is issued to you and ends at the          causes a claim under this section, we will deduct from the amount
     completion of any trip or when the period of insurance ends, whichever               we pay you the cost of an economy class airfare at the carrier’s
     happens first.                                                                       regular published rates for the return journey.
     What Is Covered?                                                                  3. We will not pay for any expenses you incur to resume your trip
     We will pay the value of unused pre-paid travel arrangements, less any               after you have returned to your home in Australia, except as set
     refunds you are entitled to, if you have to cancel these arrangements                out under Section D4 “Resumption Of Trip”.
     because of an event set out under “What Are The Events That Will Be               4. We will not pay for additional travel or accommodation expenses
     Covered Under Section A?”, or the reasonable cost of rearranging your                when you have made a claim under another section of this policy
     trip, provided that this cost is not greater than the cancellation fees or lost      for cancelled accommodation expenses covering the same period
     deposits which would have been incurred had the trip been cancelled.                 of time or for additional transport covering an equivalent distance.
     We will also pay the value of pre-paid theme park and event tickets,              5. We will not pay for accommodation expenses for periods where you
     golf green fees or tuition fees that cannot be used due to illness, injury           have not forfeited pre-paid accommodation arrangements, except
     or death, less any refunds you are entitled to, if you have to cancel                as set out under Section B4 “Post Hospital Accommodation”.
     these arrangements.
28                                                                                                                                                                      29
     What Is The Most We Will Pay?                                                       What Is The Most We Will Pay?
     The most we will pay per adult, including any accompanying child                    Cover under the International and Annual Multi Trip Travel Plans is
     or children under this benefit for the reasonable cost of additional meals is       unlimited. However, we will only pay up to $10,000 per adult, including
     $50 for each 24 hour period up to a maximum of $500 per adult, including            any accompanying child or children, on the Australian Travel Plan or up
     any accompanying child or children or the applicable limit on the Australian        to the applicable limit set out in the Schedule of Benefits on the Australian
     Cancellation And Additional Expenses Travel Plans whichever is the lesser.          Cancellation And Additional Expenses Travel Plans whichever is the lesser.
     For additional travel, accommodation, emergency internet use and
     telephone calls the most we will pay you under this benefit is the                  Section B - Medical And Dental Expenses
     amount set out in the section in the Schedule of Benefits which relates             Am I Covered Under Section B?
     to the travel plan you have chosen.
                                                                                         Section B is divided into different benefits which apply depending on the
     Section A3 Agents Cancellation Fees                                                 travel plan you have chosen. This plan appears on your Certificate of Insurance.
     When Does The Cover Begin And End?                                                   International Travel Plan              All Sections
     The cover under this benefit begins from the time the Certificate of                 Annual Multi Trip Travel Plan          All Sections
     Insurance is issued to you and ends when you return to your home in
     Australia or when the period of insurance ends, whichever happens first.                                                    No Cover unless you have
                                                                                          Australian Travel Plan                 purchased QBE addVANTAGE+
     What Is Covered?                                                                                                            Option (then Section B1 applies)
     We will cover you for agent’s cancellation fees when you have paid the               Deposit Protection Travel Plan         No Cover
     agent the full amount for your trip and you have cancelled because of an
                                                                                          Australian Cancellation And
     event set out under “What Are The Events That Will Be Covered Under Section                                                 No Cover
                                                                                          Additional Expenses Travel Plans
     A?”. If only a deposit has been paid at the time of cancellation, we will pay the
     agent’s cancellation fees up to the maximum amount of the deposit.                                                          All Sections relevant to the
                                                                                                                                 selected travel plan
     What Is Not Covered?
     1. We will not pay more than the level of commission and or service                 You must read Section B together with the General Exclusions,
        fees normally earned by the agent, had the trip not been cancelled.              as these may affect your cover.
     What Is The Most We Will Pay?                                                       Section B1 - Medical And Dental Expenses Overseas
     The most we will pay under this benefit is up to $2,000 per adult,
     including any accompanying child or children, or up to the applicable
                                                                                         Or Onboard A Cruise Ship In Australian Waters
     limit set out in the Schedule of Benefits on the Australian Cancellation            When Does The Cover Begin And End?
     And Additional Expenses Travel Plans, unless you have purchased the                 The cover under this benefit begins when you leave Australia on
     QBE addVANTAGE+ Option, then we will pay you $5,000 per adult,                      your trip and ends when you return to Australia, or when the period
     including any accompanying child or children.                                       of insurance ends, whichever happens first.
     Section A4 Loss Of Reward Points                                                    What Is Covered?
     When Does The Cover Begin And End?                                                  We will cover you for:
     The cover under this benefit begins from the time the Certificate of                • medical, hospital and ambulance expenses you incur as a result
     Insurance is issued to you and ends when you return to your home in                    of an illness, injury or death; or
     Australia or when the period of insurance ends, whichever happens first.            • dental treatment expenses you incur as a result of an injury to
     What Is Covered?                                                                       healthy natural teeth;
     We will pay for frequent flyer or similar flight reward points lost due             that you suffer while you are overseas, including onboard a cruise ship
     to the cancellation of your airline ticket because of an event set out              in Australian waters if you have purchased the Australian Travel Plan
     under “What Are The Events That Will Be Covered Under Section A?”.                  with the QBE addVANTAGE+ Option.
     The amount we will pay is calculated as follows:                                    We will pay overseas medical and dental expenses which we believe
     (a) the cost of the equivalent class airline ticket, based on the best available    are reasonable and necessary to treat the illness or injury.
          advance purchase airfare for the same season of the following year,            Any treatment you receive must be given by a medical practitioner,
          less your financial contribution towards the airline ticket;                   physiotherapist, chiropractor, dentist or oral surgeon who is registered
     (b) multiplied by the total amount of points lost;                                  to practise in the country or jurisdiction where you receive treatment.
     (c) divided by the total amount of points redeemed to obtain                        Where you need treatment for an injury by a physiotherapist or a chiropractor
          the airline ticket.                                                            or emergency dental treatment, you may have the first 6 treatments without
                                                                                         asking us. Any treatments after that must be with our consent.
     What Is Not Covered?
     1. We will not provide cover if you can recover your frequent flyer                 All expenses under this section must be incurred within 12 months of
        or similar reward points, or their value, from any other source.                 the date of the illness or injury.




30                                                                                                                                                                          31
     What Is Not Covered?                                                       Section B3 - Critical Illness Or Injury - Emergency
     1. There is no cover for any medical, hospital, ambulance or dental        Travel Expenses For A Relative
        expenses you incur in Australia, except when incurred on board
        a cruise ship in Australian waters if you have purchased the            When Does The Cover Begin And End?
        Australian Travel Plan with the QBE addVANTAGE+ Option. We              The cover under this benefit begins when you are hospitalised
        cannot cover these because we are not allowed to do so by law.          overseas and ends when you are discharged from hospital.
     2. There is no cover under this benefit because of an illness or injury,   What Is Covered?
        the signs and symptoms of which you first became aware of               We will pay for a return economy class airfare and reasonable
        before you went on your trip.                                           accommodation for a friend or relative to travel directly to you,
     3. There is no cover for any person whose date of birth is after           if you are hospitalised as a direct result of you suffering a sudden
        the date that the Certificate of Insurance was issued unless you        life-threatening critical injury or illness during your trip. Before we
        advised us and we agreed to provide cover.                              will pay this you must give us a written recommendation from your
     4. There is no cover for damage to dentures or dental prostheses           treating doctor and you must have our consent.
        under this section. Refer to Section F1 “Luggage and Personal           What Is The Most We Will Pay?
        Effects” for cover that may be available.                               We will pay you up to a maximum of $20,000 per adult, including
     5. There is no cover for expenses incurred for dental treatment due to     any accompanying child or children.
        normal wear and tear or the normal maintenance of dental health.
     6. There is no cover for any existing medical condition for any
                                                                                Section B4 - Post-Hospital Accommodation
        member of the travelling party unless you have applied for cover        No excess applies to claims under this benefit.
        for the existing medical condition, we have agreed to cover it in       When Does The Cover Begin And End?
        writing and, if applicable, you have paid the additional premium.       The cover under this benefit begins when you leave hospital and
     7. There is no cover for ongoing payments under this benefit if we         ends when your treating doctor deems you are fit to resume your
        decide on the advice of a doctor appointed by us that you are           trip, or after 5 days, whichever occurs first.
        capable of being repatriated to or within Australia. If you do not
                                                                                What Is Covered?
        agree to return to your home in Australia we may choose not to make
        any further payment for medical expenses and associated costs as        We will cover you if you are hospitalised overseas for more than 48 hours
        determined by us.                                                       because of an illness or injury which first happened while you were
                                                                                outside Australia on your trip, and you need accommodation to recover
     What Is The Most We Will Pay?                                              from your illness or injury after you leave hospital.
     The most we will pay per adult, including any accompanying child or        Before we will pay this you must give us a written recommendation
     children under this benefit, is the amount set out in the section in the   from your treating doctor and you must have our consent.
     Schedule of Benefits which relates to the travel plan you have chosen.
                                                                                What Is Not Covered?
     Section B2 - Hospital Compensation                                         1. We will not pay for post-hospitalisation accommodation expenses
     No excess applies to claims under this benefit.                               when you have also made a claim for cancelled accommodation
                                                                                   expenses covering the same period of time.
     When Does The Cover Begin And End?
     The cover under this benefit begins when you are hospitalised              What Is The Most We Will Pay?
     overseas and ends when you are released from hospital.                     We will pay you the daily amount of $100 up to a maximum of $500
                                                                                per adult, including any accompanying child or children.
     What Is Covered?
     We will cover you if you are hospitalised overseas for more than 48
     continuous hours because of an illness or injury which first happened
     while you were outside Australia on your trip.
     What Is The Most We Will Pay?
     We will pay you $75 for every 24 hours up to a maximum of $8,000
     per adult, including any accompanying child or children.




32                                                                                                                                                          33
     Section B5 - Dental Expenses Due To Sudden                                         What Is Covered?
     And Acute Pain                                                                     We will cover you if you have to interrupt your trip after it has begun
                                                                                        because you have suffered an illness or injury while you are on your
     When Does The Cover Begin And End?                                                 trip, and in our opinion you need to be evacuated or repatriated.
     The cover under this benefit begins when you leave Australia to                    We will pay expenses which we believe are reasonable and necessary
     go on your trip and ends when you return to your home in Australia                 to bring you back to your home in Australia or to another destination of
     or when the period of insurance ends, which ever happens first.                    our choice on the International or Annual Multi Trip Travel Plans.
     What Is Covered?                                                                   Before we will pay this you must give us written certification from your
     We will cover you for dental treatment expenses you incur overseas                 treating doctor that your evacuation or repatriation is necessary and that
     to relieve sudden and acute pain which occurs while you are outside                you cannot continue your trip. The decision to evacuate or repatriate you
     Australia on your trip. We will pay expenses which we believe are                  is ours, and we will not pay for any evacuation or repatriation expenses
     reasonable and necessary to treat the pain.                                        unless it is medically justified and you have received our consent.
     Before we will pay this you must give us written certification from your           Based on the advice of your treating doctor we will either;
     treating dentist that treatment is necessary to alleviate your pain.               • return you to your home in Australia with a medical attendant; or
     Any treatment you receive must be given by a dentist or oral surgeon               • pay for a return economy class airfare, reasonable accommodation
     who is registered to practise in the country where you receive treatment.             and additional expenses for a friend or relative to fly to, remain with
     What Is Not Covered?                                                                  and escort you in place of a medical attendant; or
     1. There is no cover for expenses incurred for dental treatment due to             • return you to your home in Australia without an attendant.
        normal wear and tear or the normal maintenance of dental health.                We will also pay you for necessary home services provided by a registered
     2. There is also no cover for any dental expenses you incur in Australia.          home services business, up to a maximum of $750, if you have been
        We cannot cover these because we are not allowed to do so by law.               repatriated to your home in Australia by us during your trip and your illness
                                                                                        or injury restricts your ability to perform these duties. You must have our
     What Is The Most We Will Pay?                                                      consent before you incur any costs for home services.
     The most we will pay under this benefit is $2,000 per adult, including
     any accompanying child or children.                                                What Is Not Covered?
                                                                                        1. We will not cover you if you evacuate or repatriate when it is
     Section C - Evacuation And Repatriation                                               not medically necessary or without our consent.
                                                                                        2. We will not pay for any expenses you incur to resume your trip
     Am I Covered Under Section C?                                                         after you have returned to your home in Australia.
     Section C is divided into different benefits which apply depending on the
     travel plan you have chosen. This plan appears on your Certificate of Insurance.   3. For repatriation, we will not pay more than the cost of repatriation
                                                                                           to your home in Australia.
      International Travel Plan              All Sections                               4. There is no cover under this benefit because of an illness or injury,
      Annual Multi Trip Travel Plan          All Sections                                  the signs and symptoms of which you first became aware of
      Australian Travel Plan                 All Sections                                  before you went on your trip.
      Deposit Protection Travel Plan         No Cover                                   5. Any additional costs for travel you undertake that is not at the
                                                                                           fare class that you originally chose, unless it is medically justified,
      Australian Cancellation And                                                          based on the written recommendation from your treating doctor
                                             Section C2
      Additional Expenses Travel Plans                                                     and you have our consent.
     You must read Section C together with the General Exclusions,                      6. If you do not have a return ticket at the time of the event that
     as these may affect your cover.                                                       causes a claim under this section, we will deduct from the amount
                                                                                           we pay you the cost of an economy class airfare at the carrier’s
     Section C1 - Medical Evacuation And Repatriation                                      regular published rates for the return journey.
     When Does The Cover Begin And End?
                                                                                        What Is The Most We Will Pay?
     The cover under this benefit begins when you leave on your trip and
     ends when you are hospitalised in Australia, or returned to your home              The most we will pay per adult, including any accompanying child
     in Australia, or when the period of insurance ends, whichever happens first.       or children under this benefit, is the amount set out in the section in the
                                                                                        Schedule of Benefits which relates to the travel plan you have chosen.




34                                                                                                                                                                      35
     Section C2 - Non-Medical Evacuation And Repatriation                               Section D1 - Travel Delay
     When Does The Cover Begin And End?                                                 No excess applies to claims under this benefit.
     The cover under this benefit begins when you leave on your trip                    When Does The Cover Begin And End?
     and ends when you are returned to your home in Australia or when                   The cover under this benefit begins when you leave on your trip
     the period of insurance ends, whichever happens first.                             and ends when you return to your home in Australia or when the
     What Is Covered?                                                                   period of insurance ends, whichever happens first.
     We will cover you if you have to interrupt your trip after it has begun            What Is Covered?
     because of one of the events listed in “What Are The Events That Will Be           We will cover you if your scheduled public transport from or within
     Covered Under Section A?”, while you are on your trip, and in our opinion          Australia or overseas in respect of any individual leg of your trip is delayed
     you need to be evacuated or repatriated.                                           for at least 6 hours for a reason outside your control, and for each subsequent
     We will pay expenses which we believe are reasonable and necessary                 24 hours (or part of that time) from the original departure time.
     to bring you back to your home in Australia or to another destination of           What Is Not Covered?
     our choice on the International or Annual Multi Trip Travel Plans.
                                                                                        1. If you are entitled to a claim under Section A2 there is no cover
     The decision to evacuate or repatriate you is ours, and we will not pay for any       under this benefit.
     evacuation or repatriation expenses unless you have received our prior consent.
                                                                                        What Is The Most We Will Pay?
     What Is Not Covered?                                                               The most we will pay per adult, including any accompanying child or
     1. We will not cover you if you evacuate or repatriate without our consent.        children under this benefit, is the applicable limit which is the total of:
     2. We will not pay for any expenses you incur to resume your trip                  (a) the reasonable cost of rearranging your travel arrangements,
        after you have returned to your home in Australia.                                   including additional accommodation and travel arrangements to
                                                                                             resume your pre-paid arrangements; and
     3. For repatriation, we will not pay more than the cost of repatriation
                                                                                        (b) up to a maximum of $250 per day for the International and Annual
        to your home in Australia.                                                           Multi Trip Travel Plans and $75 for Australian Travel Plan for the cost
     4. Any additional travel you undertake must be at the fare class that                   of reasonable additional accommodation and $50 for meals.
        you originally chose unless you have our consent.                               If you have purchased the QBE addVANTAGE+ Option, then we will
     5. If you do not have a return ticket at the time of the event that                double the maximum per day for accommodation and meals, and the
        causes a claim under this section, we will deduct from the amount               total applicable limit.
        we pay you the cost of an economy class airfare at the carrier’s
        regular published rates for the return journey.
                                                                                        Section D2 - Airfare Compensation
                                                                                        When Does The Cover Begin And End?
     What Is The Most We Will Pay?                                                      The cover under this benefit begins when you leave Australia on
     The most we will pay per adult, including any accompanying child                   your trip and ends when you return to your home in Australia or
     or children under this benefit, is the amount set out in the section in the        when the period of insurance ends, whichever happens first.
     Schedule of Benefits which relates to the travel plan you have chosen.
                                                                                        What Is Covered?
     Section D - Extra Travel Cover                                                     We will cover you if, because of an injury occurring during you
                                                                                        trip that happens after your departure from Australia, the carrier
     Am I Covered Under Section D?                                                      requires you to be brought back to Australia with a medical attendant.
     Section D is divided into different benefits which apply depending on the          However, we will only do so if either:
     travel plan you have chosen. This plan appears on your Certificate of Insurance.
                                                                                        • there are more than 5 days of the trip, or 25% of the length,
      International Travel Plan              Section D1 - D10                              whichever is the greater, remaining; or
      Annual Multi Trip Travel Plan          Section D1 - D11                           • you have been confined to hospital overseas for more than 25%
      Australian Travel Plan                 Sections D1, D3, D5 - D7 and D10              of the trip.
      Deposit Protection Travel Plan         No Cover                                   What Is The Most We Will Pay?
      Australian Cancellation And                                                       The most we will pay you under this benefit is the cost of your original
                                             No Cover                                   air ticket (less any refund that is due to you), up to a maximum of $6,000
      Additional Expenses Travel Plans
                                                                                        per adult, including any accompanying child or children.
                                             All sections relevant to the
                                             selected travel plan                       Section D3 - Missed Connection - Special Events
     You must read Section D together with the General Exclusions,                      When Does The Cover Begin And End?
     as these may affect your cover.                                                    The cover under this benefit begins from the time you go on your
                                                                                        trip and ends when you return to your home in Australia or when
                                                                                        the period of insurance ends, whichever happens first.




36                                                                                                                                                                        37
     What Is Covered?                                                                     What Is The Most We Will Pay?
     We will cover you if your trip is interrupted by an event that is not anticipated,   The most we will pay under this benefit is up to $50 for each completed 24
     is unexpected, and outside of your control, and you are unable to arrive at          hour period up to a maximum $500 on the International Travel Plan per adult,
     your destination by the time originally scheduled for the purpose of attending       including any accompanying child or children, $500 on the Annual Multi Trip
     a wedding, funeral, conference, 25th or 50th Wedding Anniversary or sporting         Travel Plan per adult, and if you have paid the upgrade fee, any accompanying
     event which cannot be delayed as a consequence of your late arrival.                 child or children and spouse or defacto partner, and $250 per adult, including
     We will pay for the reasonable additional cost of using alternative                  any accompanying child or children for the Australian Travel Plan.
     public transport to arrive at the destination on time.
                                                                                          Section D6 - Hijacking
     What Is The Most We Will Pay?
                                                                                          When Does The Cover Begin And End?
     The most we will pay under this benefit is $2,500 on the International
                                                                                          The cover under this benefit begins when you leave Australia on your
     Travel Plan per adult, including any accompanying child or children,
                                                                                          trip and ends when you return to your home in Australia or the period
     $2,500 on the Annual Multi Trip Travel Plan per adult, and if you have
                                                                                          of insurance ends, whichever happens first.
     paid the upgrade fee, any accompanying child or children and spouse or
     defacto partner, or $2,000 per adult, including any accompanying child               What Is Covered?
     or children on the Australian Travel Plan.                                           We will cover you if the scheduled public transport on which you are
                                                                                          travelling is hijacked during your trip and you subsequently want
     Section D4 - Resumption Of Trip                                                      to cancel your trip and return to your home in Australia.
     This benefit is in place of, and not in addition to, any benefit payable
                                                                                          We will pay you for your reasonable additional travel expenses and the cost of
     under Section A1 “Cancellation Or Holiday Deferment Costs”.
                                                                                          pre-paid travel arrangements that you do not use, less any refunds due to you.
     When Does The Cover Begin And End?
                                                                                          What Is The Most We Will Pay?
     The cover under this benefit begins from the time you go on your
     trip and ends when you return to your home in Australia or when                      The benefit under this section is unlimited.
     the period of insurance ends, whichever happens first. There is no cover             Section D7 - Emergency Accommodation
     under this policy for any period of time you are in Australia. The policy
     will recommence when you leave Australia to resume your trip.                        Due To Terrorism
                                                                                          When Does The Cover Begin And End?
     What Is Covered?
                                                                                          The cover under this benefit begins when you leave on your trip and
     We will cover you if you have to return to Australia with more than 25% of
                                                                                          ends when you return to your home in Australia or when the period
     your trip remaining because of the hospitalisation or death of a relative in
                                                                                          of insurance ends, whichever happens first.
     Australia during your trip as a direct result of sudden serious illness or serious
     injury. We will pay you for the transport costs you have paid to resume your         What Is Covered?
     original trip so you can use any prepaid travel, accommodation or tours. We will     We will cover you after your trip has begun for expenses you incur
     extend this policy to cover the remainder of your trip where a claim is accepted     for necessary emergency accommodation if your trip is interrupted
     by us under this benefit. In no other circumstances will the resumption of your      due to a terrorist act.
     trip be covered under this policy unless you have obtained our consent.
                                                                                          What Is The Most We Will Pay?
     What Is Not Covered?                                                                 The most we will pay under this benefit is a daily benefit of $300 up to a
     1. We will pay no more than the cancellation costs that would                        maximum of $3,000 per adult, including any accompanying child or children.
        have been incurred on those pre-paid arrangements had you
        not resumed your journey.                                                         Section D8 - Domestic Pets
     What Is The Most We Will Pay?                                                        No excess applies to claims under this benefit.
     The most we will pay under this benefit is $2,500 on the International Travel        When Does The Cover Begin And End?
     Plan per adult, including any accompanying child or children, and $2,500 on          The cover under this benefit begins when you leave Australia on
     the Annual Multi Trip Travel Plan per adult, and if you have paid the upgrade        your trip and ends when you return to your home in Australia or
     fee, any accompanying child or children and spouse or defacto partner.               the period of insurance ends, whichever happens first.
     Section D5 - Withdrawal Of Services                                                  What Is Covered?
     No excess applies to claims under this benefit.                                      We will cover you for additional kennel or cattery boarding fees
                                                                                          for domestic cats and dogs owned by you if you are delayed
     When Does The Cover Begin And End?                                                   beyond your original return date because of an event set out under
     The cover under this benefit begins when you leave Australia on your                 “What Are The Events That Will Be Covered Under Section A?”.
     trip and ends when you return to your home in Australia or the period
     of insurance ends, whichever happens first.                                          What Is Not Covered?
                                                                                          1. There is no cover for kennel or cattery fees incurred outside
     What Is Covered?                                                                        Australia or as a result of quarantine regulations.
     We will cover you if all electrical and water facilities in your room; or
     waiter service at meals, or kitchen services where no food is served, or all         What Is The Most We Will Pay?
     chambermaid services are withdrawn due to unforeseeable circumstances                The most we will pay under this benefit is up to $30 for each full 24
     at the pre-paid accommodation that you are staying at during your trip.              hour period, up to a maximum of $300 per adult, including any
     These services must be withdrawn for 48 hours continuously and you must              accompanying child or children.
     have written confirmation of your claim from the accommodation manager.
38                                                                                                                                                                         39
     Section D9 - Childcare Costs                                                        Section E - Rental Vehicle Expenses
     No excess applies to claims under this benefit.                                     Am I Covered Under Section E?
     When Does The Cover Begin And End?                                                  Section E is divided into different benefits which apply depending on the
     The cover under this benefit begins when you leave Australia on                     travel plan you have chosen. This plan appears on your Certificate of Insurance.
     your trip and ends when you return to your home in Australia or                      International Travel Plan              All Sections
     the period of insurance ends, whichever happens first.
                                                                                          Annual Multi Trip Travel Plan          All Sections
     What Is Covered?                                                                     Australian Travel Plan                 All Sections
     We will cover you for the additional cost of childcare provided by a registered
                                                                                          Deposit Protection Travel Plan         No Cover
     or appropriately qualified childcare worker for a child or children who are
     related to you, financially dependant, under the age of 18 years at the time         Australian Cancellation And
                                                                                                                                 No Cover
     the Certificate of Insurance is issued and who are in your full time care, if you    Additional Expenses Travel Plans
     are delayed beyond your original return date because of an event set out                                                    All sections relevant to the
     under “What Are The Events That Will Be Covered Under Section A?”.                                                          selected travel plan
     What Is Not Covered?
                                                                                         You must read Section E together with the General Exclusions,
     1. There is no cover for childcare costs incurred outside Australia.                as these may affect your cover.
     What Is The Most We Will Pay?                                                       Section E1 - Rental Vehicle Insurance Excess
     The most we will pay under this benefit is up to $75 for each full 24 hour
                                                                                         When Does The Cover Begin And End?
     period, up to a maximum of $750 per adult, including any accompanying
     child or children.                                                                  The cover under this benefit begins from the time you leave on
                                                                                         your trip and ends when you return to your home in Australia or
     Section D10 - Home And Contents Insurance Excess                                    when the period of insurance ends, whichever happens first.
     No excess applies to claims under this benefit.                                     What Is Covered?
     When Does The Cover Begin And End?                                                  We will cover you for the rental vehicle insurance excess, or the
     The cover under this benefit begins when you leave on your trip                     cost of repairing the vehicle, whichever is lower, if
     and ends when you return to your home in Australia or when the                      • you rent a vehicle from a rental company;
     period of insurance ends, whichever happens first.                                  • it is damaged by accident, storm, fire or theft; and
                                                                                         • you are a nominated driver on the Rental Vehicle Agreement.
     What Is Covered?
     We will cover you for the home and contents insurance excess if your                For this benefit to apply, the rental vehicle must have comprehensive
     normal place of residence in Australia is damaged or burgled during                 motor vehicle insurance for the period of hire.
     your trip and you make a claim against your home and contents insurance.            What Is Not Covered?
     What Is The Most We Will Pay?                                                       1. This cover is not in place of rental vehicle insurance and only
                                                                                            provides cover for the excess component up to the applicable limit.
     The most we will pay under this benefit is $500.
                                                                                         What Is The Most We Will Pay?
     Section D11 - Alternative Staff                                                     The most we will pay per adult, including any accompanying child
     No excess applies to claims under this benefit.                                     or children under this benefit, is the amount set out in that section
     When Does The Cover Begin And End?                                                  of the Schedule of Benefits which relates to the travel plan you have
                                                                                         chosen. If you have purchased the QBE addVANTAGE+ Option the
     The cover under this benefit begins when you leave on your trip
                                                                                         applicable limit will be doubled.
     and ends when you return to your home in Australia or the period
     of insurance ends, whichever happens first.                                         Section E2 - Return Of Rental Vehicle
     What Is Covered?                                                                    No excess applies to claims under this benefit.
     We will cover you for the reasonable travel and accommodation                       When Does The Cover Begin And End?
     costs for a replacement employee to complete the assignment for                     The cover under this benefit begins from the time you leave on
     which you were originally sent, if, as a result of illness, injury or death,        your trip and ends when you return to your home in Australia or
     where a claim is accepted under Section A1 and B1 of the policy, the                when the period of insurance ends, whichever happens first.
     treating doctor deems it necessary that you return to Australia. We
     will only cover a replacement employee after they apply for cover                   What Is Covered?
     and cover is approved by us prior to their departure. If approved, the              We will pay towards the cost of returning your rental vehicle to the
     replacement employee will be covered as if they were the person                     nearest depot, including airport concession charges, if due to a
     named in the Certificate of Insurance.                                              claimable event covered by any section of this policy you are unable
                                                                                         to do so during your trip.
     What Is The Most We Will Pay?
     The most we will pay under this benefit is up to $5,000.                            What Is The Most We Will Pay?
                                                                                         The most we will pay under this benefit is $750 per adult, including
                                                                                         any accompanying child or children.
40                                                                                                                                                                          41
     Section F - Luggage And Personal Effects                                                (h) luggage or personal effects left unattended by you during
                                                                                                  non daylight hours in a motor vehicle or a motor home for
     Am I Covered Under Section F?                                                                any length of time;
     Section F is divided into different benefits which apply depending on the               (i) luggage or personal effects left unattended by you in a tent or
     travel plan you have chosen. This plan appears on your Certificate of Insurance.             caravan for any length of time;
      International Travel Plan              Sections F1 - F2 and F5 - F7                    (j) personal computer, communication, photographic, electronic
                                                                                                  equipment, jewellery or watches checked in as luggage;
      Annual Multi Trip Travel Plan          Sections F1 - F2 and F5 - F8                    (k) trade items, trade samples or your tools of trade or profession
      Australian Travel Plan                 Sections F1 - F2 and F5 - F7                         other than as allowed for under Section F8 “Business
      Deposit Protection Travel Plan         No Cover                                             Documents And Equipment Hire”;
      Australian Cancellation And                                                            (l) gold or precious metals, precious unset or uncut gemstones;
                                             No Cover                                        (m) watercraft of any type (excluding theft of surfboards or
      Additional Expenses Travel Plans
                                                                                                  damage to surfboards whilst in transit);
                                             All Sections that apply to the
                                             selected travel plan plus Sections              (n) sporting equipment (excluding surfboards) whilst in use other
                                                                                                  than as allowed for under Section F4 “Sporting Equipment Whilst
                                             F3 and F4
                                                                                                  In Use”; or
     You must read Section F together with the General Exclusions,                           (o) snow sports equipment unless you have purchased QBE
     as these may affect your cover.                                                              addVANTAGE+ Option.
                                                                                        2.   wear and tear or depreciation of property or damage by the
     Section F1 - Luggage And Personal Effects                                               action of insects or vermin, mildew, rust or corrosion.
     When Does The Cover Begin And End?                                                 3.   mechanical or electrical breakdown, or malfunction repair costs.
     The cover under this benefit begins when you leave on your trip
                                                                                        What Is The Most We Will Pay?
     and ends when you return to your home in Australia or when the
     period of insurance ends, whichever happens first.                                 The most we will pay per adult, including any accompanying child
                                                                                        or children under this benefit, is the amount set out in that section of
     What Is Covered?                                                                   the Schedule of Benefits which relates to the travel plan you have chosen.
     We will cover you for each of the following:                                       We will not pay more than the original price you paid for an item, even if
     1. accidental loss, theft of, or damage to, your luggage or personal               the applicable limit set out in the Schedule of Benefits is higher.
          effects including things you buy during the trip, while they are              We will choose between:
          accompanying you during your trip.                                            • repairing or replacing your items to a condition no better than their
     2. loss of, or damage to, dentures or dental prostheses during your trip.             condition at the time of loss, damage or theft; or
     3. the cost of medical consultation fees you incur to replace                      • paying you their value in cash, taking into account an allowance for
          prescription medication which is accidentally lost, stolen or                    age, wear and tear. The way in which we depreciate is set out in the
          damaged, together with the cost of the medication itself.                        Depreciation Schedule under Section K “Claims” on page 53.
     4. theft of, or damage to, your luggage or personal effects while they             QBE addVANTAGE+ Option - If you have selected the QBE
          are left in a locked motor vehicle or a motor home during daylight            addVANTAGE+ Option and you have a receipt or valuation for items
          hours and there is forced entry into the vehicle.                             you have purchased new within the last 3 years, we will choose to
     We will allow you one automatic reinstatement of the sum insured                   repair, or replace the property, or pay you its original purchase price
     in the event of a claim.                                                           in cash. This benefit is subject to the applicable limit(s) of the QBE
                                                                                        addVANTAGE+ Option of the relevant travel plan.
     What Is Not Covered?
                                                                                        The limits in total, for a camera, video camera or personal computer, set
     There is no cover under Section F1 for any of the following:
                                                                                        of golf clubs, watches, jewellery and for any other item are set out in the
     1. accidental loss or damage to or theft of:                                       Schedule of Benefits and depends on the travel plan you have chosen
         (a) cash (except where you have cover under the QBE addVANTAGE+                unless you have separately insured an item under Specified Item Cover.
              Option), bank or currency notes, cheques or negotiable instruments;       A pair or related set of items - for example, a camera, lenses (attached
         (b) fragile or brittle items (eg. glass or china), except loss or damage       or not), tripod and accessories or a chain and pendant - are only one
              caused by fire, or by accident to the transport carrying them;            item for this purpose unless each individual item has been separately
         (c) damage to computer screens at any time;                                    insured under Specified Item Cover.
         (d) luggage or personal effects that are being transported                     Specified Item Cover - If you have separately insured an item under
              independently of you;                                                     Specified Item Cover, depreciation does not apply. You must also have a
         (e) property that you leave unattended or that occurs because                  receipt or valuation (less than 12 months old) for any item you specify.
              you do not take reasonable care to protect it;                            Items separately insured under Specified Item Cover are covered up to
         (f ) luggage or personal effects for which you are entitled to                 the amount specified even if this amount exceeds the total luggage
              compensation from the carrier;                                            limit set out in the Schedule of Benefits.
         (g) personal computer, communication, photographic, electronic
              equipment, jewellery or watches left unattended by you in a
              motor vehicle or a motor home for any length of time, even if
              they are locked in the motor vehicle or motor home;

42                                                                                                                                                                    43
     Section F2 - Emergency Luggage                                               What Is The Most We Will Pay?
     No excess applies to claims under this benefit.                              The most we will pay under this benefit is $500 per adult including
                                                                                  any accompanying child or children.
     When Does The Cover Begin And End?
     The cover under this benefit begins when you leave on your trip and          Section F5 - Replacement Golf And Surf Equipment
     ends on the commencement of the leg that brings you home in                  No excess applies to claims under this benefit.
     Australia or when the period of insurance ends, whichever happens first.
                                                                                  When Does The Cover Begin And End?
     What Is Covered?                                                             The cover under this benefit begins when you leave on your trip
     We will cover you towards the cost of purchasing essential articles          and ends when you return to your home in Australia or when the
     such as clothing, toiletries and personal requisites if your accompanied     period of insurance ends, whichever happens first.
     luggage is delayed, misdirected or temporarily misplaced by the carrier
     for a period in excess of 10 hours during your trip.                         What Is Covered?
     If your luggage is not recovered, the amount paid by us for the loss will    If your golf or surf equipment is accidentally lost, delayed or
     be reduced by the total of any amounts paid for under this section.          damaged during your trip we will pay for the cost of hiring
                                                                                  replacement golf or surf equipment.
     What Is The Most We Will Pay?
                                                                                  What Is The Most We Will Pay?
     The most we will pay per adult, including any accompanying child or
     children under this benefit, is the amount set out in the section in the     The most we will pay under this benefit is $200 per adult, including
     Schedule of Benefits which relates to the travel plan you have chosen.       any accompanying child or children.
     If after 72 hours your delayed luggage is still missing, the limits for      Section F6 - Replacement Passports
     this benefit are doubled. The most we will pay under this benefit is up to
     $500 per adult, including any accompanying child or children unless you      And Travel Documents
     have purchased the QBE addVANTAGE+ Option, then we will pay you              When Does The Cover Begin And End?
     $750 per adult, including any accompanying child or children.                The cover under this benefit begins when you leave on your trip
                                                                                  and ends when you return to your home in Australia or when the
     Section F3 - Stolen Cash                                                     period of insurance ends, whichever happens first.
     addVANTAGE+ Option only.
                                                                                  What Is Covered?
     No excess applies to claims under this benefit.
                                                                                  We will pay for the cost of reissuing or replacing your travel or personal
     When Does The Cover Begin And End?                                           documents, travellers’ cheques, passport, or debit or credit cards, after
     The cover under this benefit begins when you leave on your trip              they have been stolen, accidentally lost or damaged during your trip.
     and ends when you return to your home in Australia or when the               We will also cover the reasonable cost of you travelling to the nearest
     period of insurance ends, whichever happens first.                           location where the documents can be replaced.
     What Is Covered?                                                             You must comply with any conditions of the issuing body of the travel
     We will cover you for the loss of cash that was either carried on your       documents, travellers’ cheques, passport, or debit or credit cards.
     person at the time of loss or secured in a locked safe, provided that        What Is The Most We Will Pay?
     you reported the loss to the police within 12 hours of becoming aware        The most we will pay under this benefit is $2,000 per adult, including
     of the loss and obtained a written police report.                            any accompanying child or children.
     What Is The Most We Will Pay?
     The most we will pay under this benefit is $250 per adult, including         Section F7 - Fraudulent Use Of Credit Or Debit Cards
     any accompanying child or children.                                          When Does The Cover Begin And End?
                                                                                  The cover under this benefit begins when you leave on your trip
     Section F4 - Sporting Equipment While In Use                                 and ends when you return to your home in Australia or when the
     addVANTAGE+ Option only.                                                     period of insurance ends, whichever happens first.
     No excess applies to claims under this benefit.
                                                                                  What Is Covered?
     When Does The Cover Begin And End?                                           We will cover you for the fraudulent use of your credit or debit
     The cover under this benefit begins when you leave on your trip              card if it was accidentally lost or stolen during your trip.
     and ends when you return to your home in Australia or when the               You must comply with any conditions of the issuing body of the credit
     period of insurance ends, whichever happens first.
                                                                                  or debit card.
     What Is Covered?
                                                                                  What Is Not Covered?
     We will cover you for the damage to sporting equipment owned
     by you and being used by you during your trip.                               1. There is no cover under this benefit if the credit or debit cards are
                                                                                     fraudulently used by you, your relative or a travelling companion.
     What Is Not Covered?
                                                                                  What Is The Most We Will Pay?
     1. We will not pay for any damage to your sporting equipment
        if that equipment is older than 3 years.                                  The most we will pay per adult, including any accompanying child or
                                                                                  children under this benefit, is the amount set out in that section of the
                                                                                  Schedule of Benefits which relates to the travel plan you have chosen.

44                                                                                                                                                             45
     Section F8 - Business Documents                                                    What Is Not Covered?
     And Equipment Hire                                                                 1. There is no cover if your death is due to an illness or your suicide.
     No excess applies to claims under this benefit.                                    What Is The Most We Will Pay?
     When Does The Cover Begin And End?                                                 The most we will pay will be $25,000 per adult for the International and
                                                                                        Annual Multi Trip Travel Plans and $10,000 per adult for the Australian
     The cover under this benefit begins when you leave on your trip
                                                                                        Travel Plan. Cover for each accompanying child or children is limited to a
     and ends when you return to your home in Australia or when the
                                                                                        total amount of $1,000.
     period of insurance ends, whichever happens first.
     What Is Covered?                                                                   Section G2 - Funeral Expenses Overseas Or
     We will pay for the reasonable cost of replacing documents, samples,               Repatriation Of Remains
     tools of trade necessary to fulfil your professional commitments or                When Does The Cover Begin And End?
     storage media for electronic data which may have been accidentally                 The cover under this benefit begins when you depart on your trip
     damaged, destroyed or lost whilst in your control or possession. We will pay       and ends when you return to your home in Australia or when the
     the value of any documents, as stationery combined with legal and labour           period of insurance ends, whichever happens first.
     expenses incurred in replacing them and not the commercial value to you.
                                                                                        What Is Covered?
     If your business equipment is stolen, lost, damaged or delayed for
                                                                                        We will pay for expenses for your burial or cremation overseas,
     more than 24 hours during the trip we will pay you the reasonable cost
                                                                                        or the transporting of your remains to a funeral home in Australia
     of hiring replacement equipment.
                                                                                        if you die during the trip.
     What Is The Most We Will Pay?                                                      What Is The Most We Will Pay?
     The most we will pay under this benefit is $2,000 per adult, including             The most we will pay under this benefit is $25,000 on the International
     any accompanying child or children.                                                Travel Plan per adult, including any accompanying child or children,
                                                                                        $25,000 on the Annual Multi Trip Travel Plan per adult, and if you have
     Section G - Death Expenses, Permanent                                              paid the upgrade fee, any accompanying child or children and spouse or
     Disability And Loss Of Income                                                      defacto partner and $5,000 per adult, including any accompanying child
                                                                                        or children, for the Australian Travel Plan.
     No excess applies to claims under this section.
                                                                                        Section G3 - Funeral Expenses Within Australia
     Am I Covered Under Section G?
                                                                                        When Does The Cover Begin And End?
     Section G is divided into different benefits which apply depending on the
     travel plan you have chosen. This plan appears on your Certificate of Insurance.   The cover under this benefit begins when you depart on your trip
                                                                                        and ends when you return to your home in Australia or when the
      International Travel Plan              All Sections                               period of insurance ends, whichever happens first.
      Annual Multi Trip Travel Plan          All Sections                               What Is Covered?
      Australian Travel Plan                 Sections G1 - G2                           We will pay for funeral expenses incurred within Australia if during
      Deposit Protection Travel Plan         No Cover                                   your trip you suffer an injury which results in your death.
      Australian Cancellation And                                                       What Is The Most We Will Pay?
                                             No Cover                                   The most we will pay you will be $5,000 per adult for the International and
      Additional Expenses Travel Plans
     You must read Section G together with the General Exclusions,                      Annual Multi Trip Travel Plans. There is no cover for any accompanying child
                                                                                        or children, spouse or defacto partner for the Annual Multi Trip Travel Plan.
     as these may affect your cover.
                                                                                        Section G4 - Total Permanent Disability
     Section G1 - Accidental Death
                                                                                        When Does The Cover Begin And End?
     When Does The Cover Begin And End?
                                                                                        The cover under this benefit begins when you leave your home in
     The cover under this benefit begins when you depart on your trip                   Australia to go on your trip and ends 12 months from the date the
     and ends when you return to your home in Australia or when the                     injury first occurred.
     period of insurance ends, whichever happens first.
                                                                                        What Is Covered?
     What Is Covered?                                                                   We will cover you if during your trip you suffer an injury and as
     We will pay your Estate, if you are 18 years of age or over and                    a result of that injury you suffer total permanent disability within
     during your trip:                                                                  12 months of sustaining the injury.
     • you suffer an injury which results in your death within 12 months                What Is Not Covered?
       of the injury being sustained; or
                                                                                        1. There is no cover if you suffer total permanent disability as
     • you disappear because your means of transport disappeared, sank                     a result of illness or disease.
       or was wrecked, and your body has still not been found 12 months
       after your disappearance.                                                        What Is The Most We Will Pay?
                                                                                        The most we will pay is $10,000 per adult including any accompanying
                                                                                        child or children.

46                                                                                                                                                                      47
     Section G5 - Loss Of Income                                                        What Is Not Covered?
     When Does The Cover Begin And End?                                                 1. There is no cover for any liability:
     The cover under this benefit begins from the time you leave                           (a) arising out of your trade, business or profession; or
     Australia on your trip and ends 6 months from the first day in                        (b) for injury to an employee arising out of, or in the course of,
     respect of which compensation is paid or when you are fit to                               their employment by you; or
     resume your employment, whichever happens first.                                      (c) arising out of your unlawful, wilful or malicious act; or
     What Is Covered?                                                                      (d) arising out of your ownership, possession or use (including
     We will cover you if due to an injury you suffer during your trip, and                     as a passenger) of a mechanically propelled vehicle, or any
     on the advice of your treating doctor, you are unable to return to your                    aircraft or watercraft, or firearm; or
     usual place of employment or take up an offer of employment in Australia.             (e) arising out of you passing on an illness or disease to another
     This benefit is only payable if you are unable to resume or begin your                     person.
     employment within 30 days of the injury.
                                                                                        What Is The Most We Will Pay?
     Before we make any payment we will contact Centrelink or similar bodies to         The most we will pay per adult, including any accompanying child or
     confirm any payments that must be deducted from any payment we make.               children under this benefit, is the amount set out in that section of the
     What Is Not Covered?                                                               Schedule of Benefits which relates to the travel plan you have chosen.
     1. We will not pay you in respect of the first 30 days after you                   The applicable limit is a combined total for your liability and your costs.
        originally planned to resume work in Australia.
                                                                                        Section H2 - Legal Expenses
     What Is The Most We Will Pay?
                                                                                        When Does The Cover Begin And End?
     The most we will pay under this benefit is up to $2,000 per month
     per adult for a period of 6 months.                                                The cover under this benefit begins from the time you leave on
                                                                                        your trip and ends when you return to your home in Australia or
                                                                                        the period of insurance ends, whichever happens first.
     Section H - Personal Liability
                                                                                        What Is Covered?
     And Legal Expenses
                                                                                        We will cover you for legal costs and expenses incurred in pursuit
     Am I Covered Under Section H?                                                      of compensation and/or damages arising from, or out of:
     Section H is divided into different benefits which apply depending on the
                                                                                        (a) personal injury, or
     travel plan you have chosen. This plan appears on your Certificate of Insurance.
                                                                                        (b) your death
      International Travel Plan              All Sections
                                                                                        occurring during the trip.
      Annual Multi Trip Travel Plan          All Sections
                                                                                        Before we will cover you for any legal costs and expenses under
      Australian Travel Plan                 All Sections                               this benefit you or your Estate must obtain our express consent in
      Deposit Protection Travel Plan         No Cover                                   writing and we will have complete control over the selection and
      Australian Cancellation And                                                       appointment of your lawyers and the conduct of the proceedings.
                                             No Cover
      Additional Expenses Travel Plans                                                  What Is Not Covered?
     You must read Section H together with the General Exclusions,                      1. There is no cover for:
     as these may affect your cover.                                                       (a) any claims against a travel agent, tour operator,
                                                                                                accommodation provider or carrier involved in the
     Section H1 - Personal Liability                                                            arrangement or provision of your travel or accommodation;
     When Does The Cover Begin And End?                                                    (b) any legal expenses incurred without our written consent;
     The cover under this benefit begins when you leave on your trip                       (c) any claims reported in excess of 180 days after the
     and ends when you return to your home in Australia or when the                             commencement of the incident giving rise to such a claim;
      period of insurance ends, whichever happens first.
                                                                                           (d) any claim in which we consider that no benefit would be
     What Is Covered?                                                                           achieved in pursuing such claim; or
     We will pay you for your legal liability to pay damages or compensation               (e) any claim against any insurance company.
     because your negligence during the trip causes:
     (a) injury to a person who is not a member of your family or travelling            What Is The Most We Will Pay?
         party; or                                                                      The most we will pay per adult, including any accompanying child or
                                                                                        children under this benefit, is the amount set out in that section of the
     (b) loss or damage to property that is not owned by you or a member                Schedule of Benefits which relates to the travel plan you have chosen.
         of your family or travelling party, or which is not in your or their
         custody or control.
     We will also pay your legal costs in relation to that liability, but only if you
     get our consent before you take or are involved in any legal action.


48                                                                                                                                                                    49
     Section I - Financial Default                                                       If you have purchased the QBE addVANTAGE+ Option there is cover
                                                                                         under all sections of this policy whilst you are participating in a snow
     Am I Covered Under Section I?                                                       sports activity.
     Section I is divided into different benefits which apply depending on the travel
     plan you have chosen. This plan appears on your Certificate of Insurance.           You must read Section J together with the General Exclusions,
                                                                                         as these may affect your cover.
      International Travel Plan              Cover
      Annual Multi Trip Travel Plan          Cover                                       Section J1 - Ski Lift Passes
      Australian Travel Plan                 Cover                                       When Does The Cover Begin And End?
      Deposit Protection Travel Plan         No Cover                                    The cover under this benefit begins when you leave on your trip
                                                                                         and ends when you return to your home in Australia or when the
      Australian Cancellation And                                                        period of insurance ends, whichever happens first.
                                             No Cover
      Additional Expenses Travel Plans
     You must read Section I together with the General Exclusions,                       What Is Covered?
     as these may affect your cover.                                                     We will cover you for non-refundable, pre-paid ski lift passes or ski
                                                                                         equipment hire or tuition fees that cannot be used due to your
     When Does The Cover Begin And End?                                                  illness or injury sustained during your trip.
     The cover under this benefit begins from the time of issue of the
     Certificate of Insurance and ends when you return to your home in                   What Is The Most We Will Pay?
     Australia or when the period of insurance ends, whichever happens first.            The most we will pay per adult, including any accompanying child or
                                                                                         children under this benefit, is the amount set out in that section of the
     What Is Covered?                                                                    Schedule of Benefits which relates to the travel plan you have chosen.
     We will cover you for the cost of rearranging your trip if it is cancelled
     due to the financial default of the scheduled serviced airlines, hotels,            Section J2 - Ski Run Closure
     resort operators, car and campervan hire companies, cruise lines,
                                                                                         When Does The Cover Begin And End?
     railway operators and theme park operators.
                                                                                         The cover under this benefit begins when you leave on your trip
     We will also cover you for your travel agent’s cancellation fees which              and ends when you return to your home in Australia or when the
     you incur because of any of these financial defaults.                               period of insurance ends, whichever happens first.
     Any financial default must have occurred after you took out your policy.
                                                                                         What Is Covered?
     What Is Not Covered?                                                                We will pay you if you are prevented from skiing at a pre-booked ski
     1. There is no cover under this benefit for the financial default                   resort for more than 24 continuous hours during your trip, because
        of your travel agent.                                                            insufficient snow or too much snow causes a total closure of the lift system.
     What Is The Most We Will Pay?                                                       What Is Not Covered?
     The most we will pay per adult, including any accompanying child or                 We will not cover you for claims in respect of ski resorts that do
     children under this benefit, is the amount set out in that section of the           not have skiing facilities at least 1,000 metres above sea level.
     Schedule of Benefits which relates to the travel plan you have chosen.              We will not cover you for claims that arise due to insufficient snow in Northern
                                                                                         Hemisphere ski resorts outside the period 15 December to 31 March, or in
     Section J - Snow Sports Package                                                     Southern Hemisphere ski resorts outside the period 1 July to 30 September.
     addVANTAGE+ Option only.
                                                                                         What Is The Most We Will Pay?
     No excess applies to claims under this section.
                                                                                         The most we will pay under this benefit is $100 up to a maximum of
     Am I Covered Under Section J?                                                       $500 per adult including any accompanying child or children.
     Section J only applies if you have purchased the International, Annual Multi Trip
     or Australian Travel Plan with the QBE addVANTAGE+ Option. This option and          Section J3 - Hiring Replacement Snow Ski Equipment
     the travel plan you have selected will appear on your Certificate of Insurance.     When Does The Cover Begin And End?
                                                                                         The cover under this benefit begins when you leave on your trip
      International Travel Plan
                                             All Sections if QBE addVANTAGE       +
                                                                                         and ends when you return to your home in Australia or when the
                                             Option purchased
                                                                                         period of insurance ends, whichever happens first.
      Annual Multi Trip Travel Plan
                                             All Sections if QBE addVANTAGE+
                                             Option purchased                            What Is Covered?
                                                                                         We will pay you the reasonable cost of the hiring replacement equipment
      Australian Travel Plan
                                             All Sections if QBE addVANTAGE+             if your snow skiing equipment is lost, delayed or damaged during the trip.
                                             Option purchased
      Deposit Protection Travel Plan         No Cover                                    What Is The Most We Will Pay?
      Australian Cancellation And                                                        The most we will pay per adult, including any accompanying child or
                                             No Cover                                    children under this benefit, is the amount set out in that section of the
      Additional Expenses Travel Plans
                                                                                         Schedule of Benefits which relates to the travel plan you have chosen.
                                             All Sections


50                                                                                                                                                                          51
     Section K - Making A Claim                                                           2.   Claims will be paid to you or your personal representative in
                                                                                               Australian dollars on the basis of the exchange rate that applied at
     You must do everything reasonable to prevent a loss from occurring                        the time of the event that gave rise to the claim. We will not pay
     or, when a loss has occurred, from making the loss worse.                                 more than your actual loss.
     In the event of a claim you must:                                                    3.   You must tell us if you are entitled to claim an input tax credit
     (a) notify us promptly of a claim and complete a claim form;                              at the time of making the claim. If you do not provide us with
     (b) give us any documents, letters or notices relating to a claim or possible             this information we may deduct up to 1/11th of the amount
            claim, medical certificates, itemised medical accounts, original receipts,         otherwise payable in settlement of your claim.
            rental agreements, repair quotes, ticket and luggage checks or                4.   If we agree to pay a claim under your policy, this policy covers
            information that we reasonably ask for. This will be at your expense;              GST inclusive costs (up to the relevant travel plan limit). However,
     (c) forward immediately any letters or documents you receive from                         we will reduce any claim payment by any input tax credit you are
            anyone else relating to a potential claim;                                         or would be entitled to for the repair or replacement of insured
     (d) not make any promise or offer of payment, or admit fault to anyone,                   property or for other things covered by the policy.
            or become involved in any litigation in respect of an event that may          5.   At the time you make a claim you must tell us if your entitlement
            result in a claim under this policy, without our consent;                          to an input tax credit which you have told us:
     (e) in the event of a claim caused by any medical condition, obtain                       (a) is incorrect; or
            evidence from the treating doctor as soon as you are aware of                      (b) changes from what you have told us, when you extend
            signs or symptoms of the condition;                                                      or vary your policy.
     (f ) in cases of theft, damage or loss, report the matter to the police,
            transport provider, hotel or other authority within 24 hours and              Depreciation
            obtain a copy of that report; and                                             The nominated depreciation rate will apply to each year of age up to a
     (g) report any loss or damage to your accompanying luggage in                        maximum of 80% of the original purchase price of that item.
            writing to the carrier within 3 days and send to us a property                10% Camping, sporting and leisure equipment (not leisure clothing),
            irregularity report, along with details of any settlement that they                  and musical instruments.
            make in relation to the loss or damage.                                       15% Clothing, footwear, personal effects, luggage, prescription
     • We may, at our expense, take proceedings in your name to recover                          glasses, sunglasses, costume jewellery and books.
         compensation or enforce an indemnity against someone else in                     20% Personal and or laptop computers, communication,
         respect of a loss covered by this insurance in accordance with the law.                 photographic or electronic equipment, ipods, mobile phones,
     • We may refuse to pay a claim under this policy if you do not comply                       CDs and DVDs.
         with any condition of this policy.                                               50% Toiletries including skin care, makeup, perfume, medication.
     • We will not pay a claim if your claim is fraudulent.                               Items not listed above will also be subject to depreciation at our discretion.
     • If anyone else is legally responsible for your illness, injury or death
         we may seek compensation from them to recover any costs we have                  Obtaining a Claim Form
         paid or seek reimbursement from you if you receive any payment                   To obtain a claim form contact our Distributor or us.
         from any other source for these expenses.                                        You can help us to speed up the processing of your claim by following
                                                                                          the instructions on the claim form which will advise you of what
     Proof Of Loss                                                                        documentation you need to provide to support your claim. The
     If you make a claim under your policy we will ask you for evidence of                completed claim form should be sent to:
     the circumstances which gave rise to the claim and proof that you                    QBE Travel Insurance
     have suffered a loss.                                                                PO Box 12090, Melbourne VIC 8006
     If you are claiming for loss of, or damage to any item we will ask you to provide:   Claims Enquiries: 1300 791 948 or (03) 8805 2741
     • proof that you owned the item; and                                                 Email: travel.claims@qbe.com
     • proof of its value and age.                                                        Claims Service Standard
     Therefore you should keep all relevant receipts, accounts, valuations
     and police or medical reports.                                                       Our claims service standard is to settle your claims within 10 working
     We will not pay any claim when the only proof of ownership is                        days upon the receipt of a completed claim form and all necessary
                                                                                          supporting information. If more information is required we will contact
     • a photograph; or
                                                                                          you within 10 working days.
     • a photocopy of any documentation; or
                                                                                          However, before we cover you, you must:
     • a statutory declaration; or
                                                                                          (a) within 24 hours of becoming aware of the loss, notify the police or
     • a copy of the user’s manual downloaded from the internet.
                                                                                              the responsible officer in the aircraft, vessel, train, or motor coach you
     If you cannot provide the evidence or proof that we ask for we may not                   are travelling in, or in the hotel in which you are staying and give us
     pay you.
                                                                                              their written report of the incident when you make the claim;
     Paying The Claim                                                                     (b) keep receipts for goods you buy separate from the goods themselves;
                                                                                          (c) keep any relevant ticket and luggage check and give them to us;
     1.   An excess may apply to a claim you make under this policy. The amount
          of the excess is shown on your Certificate of Insurance. Where applicable       (d) provide us with evidence of the value and your ownership of the
          we will deduct the excess from any payment we make to you.                          goods; and
          This excess will be reimbursed to you if we successfully recover                (e) if a carrier loses or damages your accompanying luggage, report
          an amount exceeding the amount of the excess.                                       it in writing to the carrier within 3 days and send us written
                                                                                              confirmation of the report along with details of any settlement
                                                                                              that they make in relation to the loss or damage.
52                                                                                                                                                                         53
     Part 3 - Financial Services Guide                                                     If You Have A Complaint
     This Financial Services Guide (FSG) is designed to assist you in                      If you ever have a complaint, you should refer the matter to us, using the
     deciding whether to use the financial services we can provide to                      contact details in the Product Disclosure Statement (PDS). If you have
     you. It explains the kind of financial services we offer. It also contains            not been provided with a printed PDS, this information is set out on the
     general information about who we are, how we and others are                           internet page from where you viewed the PDS, or included in the email
     remunerated in relation to those services and how you may access our                  message if our distributor emailed the PDS to you. We have procedures
     internal and external dispute resolution procedures.                                  in place to help resolve any issues you may have. If your complaint is not
                                                                                           resolved to your satisfaction, you may request that your complaint be
     About Us                                                                              referred to our dispute resolution process. Your complaint will be handled
     QBE Insurance (Australia) Limited (QBE Insurance)                                     by a person with authority to resolve the matter. Your complaint should
     ABN 78 003 191 035 AFS Licence Number 239545                                          be dealt with within 15 business days unless we notify you of the reasons
     GPO Box 82, Sydney NSW 2001                                                           why it cannot be dealt with within that time. If your complaint remains
     Phone Toll Free: 1300 791 948 or (02) 9701 6500                                       unresolved to your satisfaction, you can request that it be reviewed
     Please do not send your application for travel insurance to this address.             by the Financial Ombudsman Service (FOS). The FOS resolves certain
                                                                                           insurance disputes between consumers and insurers and will provide an
     QBE is exempt from the requirement to hold Professional Indemnity                     independent review at no cost to you. QBE Insurance is bound by the
     Insurance as we are regulated by the Australian Prudential Regulation                 determination of the FOS but the determination is not binding on you.
     Authority (APRA). If you require further information in relation to
     these arrangements, please contact QBE. QBE’s distributors have                       Contacting Us
     professional indemnity insurance and our representatives (past and                    If you have any queries, contact our distributor on the address detailed on
     present) are covered for errors and omissions arising from advice for                 the back of the PDS, or on the Internet site or emailed with this document.
     past work. These compensation arrangements comply with ASIC’s                         This FSG was prepared on 15 February 2009
     requirements.

     About Our Distributor
     Our distributor is authorised by us to deal in QBE travel insurance products
     on our behalf. They can directly issue or vary QBE travel insurance as our
     distributor in accordance with our underwriting guidelines.
     In some cases our distributor may need to arrange for us to do this if
     they are not able to act under the underwriting guidelines.
     We as the insurer of the product and our distributor as our agent, does
     not act on your behalf. The employee of our distributor who provided
     you with this FSG is authorised by our distributor to act on their behalf
     in providing the services they are authorised to provide for us.
     Our distributor and their employees do not have any authority to give
     you any advice (i.e. recommendation or opinion about the financial
     product). They can provide you with factual information on the product
     to help you decide if it is right for you. The choice is yours.

     The Distributor’s Remuneration
     Our distributor receives commission from us, which is part of the total
     amount payable by you to us for the product. The rate ranges up to
     52% and is payable to our distributor by us for each policy issued.
     Approximately 15% of this commission reimburses the distributor for
     the expenses they incur in distributing the product for us.
     Our distributors’ employees are paid an annual salary and may receive
     rewards or bonus payments if certain sales targets are achieved. Bonuses are
     based on sales targets for all activities of their staff, not just those related to
     financial services. From time to time they may receive rewards for achieving
     certain targets or outcomes as determined by us which may include sales
     targets. These rewards could be up to 0.5% of the amount payable received
     by us for all travel insurance sold for the relevant period.
     Our distributors may charge a fee for additional services provided to you after
     you have been issued with a policy. This may include but is not limited to
     alterations and other changes to your policy. Our distributor will notify you of
     any fee at the time you make a request for additional services.




54                                                                                                                                                                       55
Contact Details Within Australia
Customer Service     Phone: (02) 9701 6500
                              1300 791 948
                     Fax      (02) 9744 7855
                     Email toursafe@qbe.com
Claims               Phone: (03) 8805 2741
                              1300 791 948
                     Fax      (03) 8805 2723
                     Email travel.claims@qbe.com
Medical Services     Phone: (02) 9701 6500
                              1300 791 948
                     Fax      1300 327 275
OMEGA                Phone: (03) 8805 2800 (within Australia)
                              1300 555 019
                     Fax      (03) 8805 2815
                     If overseas please refer to page 5.
                     Email omega@qbe.com

Certificate of Insurance Number




                                                                POlICy
                                                                            QM1973 - 0209




                OUR DISTRIBUTOR wILL BE PLEASED                 TS 26
                                                            COMPREHENSIVE
                      TO ISSUE yOUR POLICy                       COdE
Please ensure you complete all sections of the Application Form clearly in capital letters.                                                                                                    TRAVEL INSURANCE APPLICATION FORM
PERSONAL DETAILS                                                                             1       INTERNATIONAL                                                                         7        PLEASE READ, COMPLETE, SIGN AND RETURN TO OUR DISTRIBUTOR.
First Adult                                                                                          Region A    B             C        D     E                                                     TO BE KEPT SECURE BY OUR DISTRIBUTOR.
Title                First Name                                                                                                                                                                Have you or any other person with an interest in this insurance:
                                                                                                     EXCESS OPTION - Please enter excess option chosen
                                                                                                                                                                                               1) been refused travel insurance or had any special terms imposed? Yes                   No
                                                                                                     Excess selected applies to all persons insured under this policy.
Surname                                                  D.O.B                                                                                                                                 And/or
                                                                                                                                                                                Go to 4.
                                                                      /             /                                                                                                          2) Are you undergoing or have you within the past 12 months undergone
                                                                                                                                                                                                   or been referred for any tests or investigations into any undiagnosed
Frequent Flyer No. (If applicable) If applicable Qantas Frequent Flyer points will be        2       ANNUAL MULTI TRIP
                                                                                                                                                                                                   or suspected medical condition?                                    Yes    No
earned by First Adult only. Ensure the Qantas Frequent Flyer Number is in their name.                EXCESS OPTION - Please enter excess option chosen                                         If Yes to question 2 please complete the relevant section of the Travellers’ Medical
                                                                                                     Excess selected applies to all persons insured under this policy.                         Appraisal Form and submit to us with this application form, via our Distributor.
                                                                                                     Do you wish to include cover for your accompanying spouse,                                If Yes to questions 1, please provide full details below.
Address                                                                                              defacto or children?                                                Yes     No            These responses need to be assessed by us prior to the issue of the Certificate
                                                                                                                                                                                               of Insurance.
                                                                  Postcode                           Nominated Commencement Date                        /          /
Telephone                                  Fax
                                                                                                     ABN (if applicable)
(       )                                   (      )
                                                                                                     Input Tax Credit Yes          No
Email
                                                                                                     Entitlement for GST Premium is                    %.
                                                                                                                                                                                               I/we are not travelling to obtain medical or surgical advice and/or treatment.
                                                                                                                                                                                Go to 4.
Second Adult                                                                                                                                                                                   I/we understand that there is no cover under this policy for an existing medical
                                                                                                     AUSTRALIAN CANCELLATION AND ADDITIONAL EXPENSES                                           condition (including pregnancy) unless I/we have applied for cover and
Title                   First Name                                                           3                                                                                                 acceptance was given in writing. The insured person(s) authorises QBE Insurance
                                                                                                     $2,000        $1,000          Number of Fare paying Passengers                            or its authorised agent to give or obtain from other insurers, an insurance
Surname                                                              D.O.B                                                                                                      Go to 6.       reference bureau or medical provider, any information relating to any insurance
                                                                                                                                                                                               held or claim made. In the case of a group application for travel insurance I
                                                                              /         /    4                                                                                                 understand that all of the information I have supplied will be confirmed on a
                                                                                                     Do you wish to take the QBE addVANTAGE+ Option?                     Yes      No
                                                                                                                                                                                               schedule that may be issued to all members of the group I am travelling with
                                                                                                     (Please refer to the Restrictions To Cover on page 8)                                     (limited to acknowledgement only in the case of any accepted existing medical
No. of Accompanying Dependant Children Under 25 Years                                                                                                                                          condition). I/we have received a copy of the combined PDS, Policy Wording and
                                                                                                     If Yes, what is your reason for purchasing this option?
Child 1: Full Name                                                  D.O.B                                                                                                                      FSG before being offered insurance. I/we have read those documents carefully.
                                                                                                     Snow Sports        Cruising      Increase Luggage Limits
                                                                                                                                                                                               I/we have read our Duty of Disclosure, as set out in the PDS. I/we agree to abide by
                                                                              /         /            Increase Rental Vehicle Insurance Excess        Other                                     the terms and conditions of the policy and all the above information is correct.
Child 2: Full Name                                                  D.O.B                            If selected the QBE addVANTAGE+ Option applies                                                            YOUR APPLICATION FOR INSURANCE REQUIRES YOUR SIGNATURE HERE
                                                                              /         /            to all persons insured under this policy. The premium                                     Signature                                                 Date
                                                                                                     calculated is based upon the number of adults insured.
                                                                                                                                                                                                                                                                    /            /
Child 3: Full Name                                                  D.O.B                                                                                                       Go to 5.
                                                                                                                                                                                               (The signatory must be 18 years of age or over and authorised to sign on behalf
                                                                              /         /                                                                                                      of all named persons.)
                                                                                             5 DO YOU REQUIRE COVER FOR:
Departure Date                             Return Date                                               ExISTING MEDICAL CONDITIONS? (Refer to page 11, 14-15)               Yes       No
                 /       /                                    /           /
                                                                                                     ExISTING MEDICAL CONDITIONS OF A NON TRAVELLING                                           PAYMENT OPTIONS -                                 Cash           Cheque
Period of trip (Please include departure and return dates.)                                          RELATIVE OR BUSINESS PARTNER? (Refer to page 12, 14-15)              Yes       No               American Express         MasterCard          Visa      Diners Club
Months                       Weeks                        Days                                                                                                                                 (Please ask our Distributor for details of credit card availability and fees.)
                                                                                                     SPECIFIED ITEMS COVER? (Refer to page 9)                             Yes       No
Destination(s)                                                                                                                                                                                 Card number
                                                                                              Description including Brand Model & Age              Value

                                                                                              1.                                                   $                                                                     /                                          $
                                                                                                                                                                                               Expiry date                                 Amount as quoted
TRAVEL PLAN SELECTED
                                                                                              2.                                                   $                                           Name on credit card
 INTERNATIONAL                                                                    Go to 1.
                                                                                              3.                                                   $
 INTERNATIONAL DEPOSIT PROTECTION                                                 Go to 6.                                                                                                         Signature                                             Date
                                                                                              Total Sum Insured                             x3%    $                                                                                                                /            /
 ANNUAL MULTI TRIP                                                                Go to 2.
                                                                                                                                                                                Go to 6.       (PLEASE ENSURE YOU HAVE ALSO SIGNED YOUR APPLICATION FOR INSURANCE ABOVE.)
 AUSTRALIAN                                                                       Go to 4.                                                                                                     Cover will not commence until your application and payment have been accepted.

 AUSTRALIAN CANCELLATION AND ADDITIONAL EXPENSES                                  Go to 3.   6       TOTAL PREMIUM QUOTED                          $

                                                                                                                                                                                Go to 7.
    1                                                                                            2                                                                                             3                                                                  POLICY CODE TS26 15/02/09 QM1973
COMPLETE AND SIGN THIS
  DECLARATION ONLY IF
YOU CHOOSE NOT TO TAKE
   TRAVEL INSURANCE
I/We acknowledge that I/we have been advised that travel
insurance is available to cover such things as:
     M
	 •	 	 edical	Expenses	Overseas	and	Onboard	a	Cruise	Ship	
     in Australian Waters
     D
	 •	 	 ental	Expenses	Overseas	
     M
	 •	 	 edical	Evacuation	and	Repatriation	
     C
	 •	 	 ancellation	or	Holiday	Deferment	Costs	
     T
	 •	 	 ravel	Arrangements	and	Accommodation	Expenses	
     L
	 •	 	 uggage	and	Personal	Effects	
     F
	 •	 	 raudulent	Use	of	Credit	Or	Debit	Cards	
     T
	 •	 	 ravel	Delay	
     L
	 •	 	 oss	of	Income	
     R
	 •	 	 ental	Vehicle	Insurance	Excesses	
     F
	 •	 	 inancial	Default	
     L
	 •	 	 egal	Expenses	
	 •	 Personal	Liability	
     a
	 •	 	 nd	other	benefits	as	set	out	in	the	Policy	Wording	
I/We decline to accept the insurance offered because:
- Alternative insurance arrangements have been made.
- I/We choose not to insure.
- I/We have been offered insurance for an existing
  medical condition (including pregnancy) but have
  declined to accept it.



Signed                                Date       /      /

Signed                                Date       /      /

Witness                               Date       /      /

Client File No

				
DOCUMENT INFO