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Fast-Cover-PDS-Oct-2010

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					Effective 20 October 2010
24 hour emergency assistance

Mondial Assistance is a leading provider of travel insurance
and assistance services in Australia.

A caring and qualified team
“Whatever it takes” is Mondial Assistance’s motto when it
comes to providing assistance - wherever you are around
the world. Mondial Assistance is committed to going that
extra mile to help customers.
Mondial Assistance has a specialist team of doctors,
registered nurses and emergency contact centre specialists,
with professional medical skills and qualifications. They are
able to calmly and accurately perform medical assessments
and provide treatment in stressful situations.
Mondial Assistance’s care extends beyond travellers to their
families – who often need just as much care and assistance.
Mondial Assistance’s staff are used to providing care and
support, and will listen to you and your family and keep you
up to date with what’s going on.
The Mondial Assistance Group and operations network
is well placed to meet the demands of providing rapid
response and assisting customers. Their 24 hour emergency
travel and medical assistance services are able to respond
365 days per year.

Mondial Assistance is able to respond to your overseas
emergency and can assist with:
•   Emergency medical evacuation and repatriation home
•   Assessing and
    managing your
    medical care
    while overseas
•   Providing
    assistance with
    travel and
    accommodation
•   Locating
    the nearest
    embassy or
    consulate
•   Accessing
    interpreters in
    non-English
    speaking
    hospitals
•   Placing a
    guarantee of
    payment for hospital
    expenses/medical bills
•   Relaying messages to family members and your employer
Contents


 Financial Services Guide                                                                                                               1
 About this Product Disclosure Statement (PDS)                                                                                          3
 Words with Special Meanings                                                                                                            6
 How to purchase this policy                                                                                                         10
 Geographical Regions                                                                                                                13
 Table of Benefits                                                                                                                    15
 Additional Options                                                                                                                  19
 Pre-existing Medical Conditions                                                                                                     20
 Important Matters                                                                                                                   24
 Your Policy Cover                                                                                                                   30
  SECTION 1 – Cancellation Fees & Lost Deposits ................................................................... 30
  SECTION 2 – Overseas Emergency Medical Assistance ...................................................... 32
  SECTION 3 – Overseas Emergency Medical & Hospital Expenses.................................. 33
  SECTION 4 – Additional Expenses ............................................................................................... 35
  SECTION 5 – Hospital Cash Allowance ...................................................................................... 38
  SECTION 6 – Accidental Death ..................................................................................................... 38
  SECTION 7 – Permanent Disability .............................................................................................. 39
  SECTION 8 – Loss of Income ......................................................................................................... 39
  SECTION 9 – Travel Documents, Credit Cards & Travellers Cheques ............................ 40
  SECTION 10 – Theft of Cash .......................................................................................................... 41
  SECTION 11 – Luggage & Personal Effects ............................................................................. 41
  SECTION 12 – Luggage & Personal Effects Delay Expenses ............................................. 44
  SECTION 13 - Travel Delay Expenses ......................................................................................... 45
  SECTION 14 – Alternative Transport Expenses ....................................................................... 45
  SECTION 15 – Personal Liability ................................................................................................... 46
  SECTION 16 – Rental Vehicle Excess........................................................................................... 47
  SECTION 17 – Snow Sport Overseas Emergency Medical Assistance ........................... 48
  SECTION 18 – Snow Sport Overseas Emergency Medical & Hospital Expenses ...... 49
  SECTION 19 – Own Snow Sport Equipment............................................................................ 51
  SECTION 20 – Snow Sport Equipment Hire............................................................................. 53
  SECTION 21 – Snow Ski Pack ........................................................................................................ 53
  SECTION 22 – Piste Closure ........................................................................................................... 54
  SECTION 23 – Bad Weather & Avalanche Closure................................................................ 54


 General Exclusions Applicable to all Sections                                                                                       56
 Claims                                                                                                                              60
 Recommendations for your safety and wellbeing                                                                                       63
Financial Services Guide                                            Assistance and does not act on your behalf.
                                                                    The distribution of this FSG by Fast Cover has been
                                                                    authorised by Mondial Assistance.
This Financial Services Guide (FSG) has been designed to
help you make an informed decision about the financial               Professional Indemnity insurance arrangements
services that Mondial Assistance and Fast Cover can                 Mondial Assistance and its representatives (including its
provide to you. It also contains information about how they         Authorised Representatives) are covered under professional
and others are remunerated for providing these financial             indemnity insurance that complies with the requirements of
services and how your complaints are dealt with.                    section 912B of the Corporations Act. The insurance (subject
                                                                    to its terms and conditions) will continue to cover claims in
Where they arrange an insurance policy for you, they
                                                                    relation to Mondial Assistance’s representatives/employees
will give you a Product Disclosure Statement (PDS) when
                                                                    who no longer work for it (but who did at the time of the
required. The PDS is designed to provide important
                                                                    relevant conduct).
information on the significant features and benefits of the
policy and is designed to assist you in making an informed          Remuneration
decision about whether to buy the product. It may consist
                                                                    Fast Cover receives a commission which is calculated as a
of more than one document.
                                                                    percentage of the premium you pay for an insurance policy
Any advice that is provided to you is general in nature             issued to you. It is only paid if you buy a policy.
and does not take into account your individual objectives,
                                                                    Mondial Assistance is also remunerated by Allianz for
financial circumstances or needs. Before you make any
                                                                    providing services on behalf of Allianz. This is a percentage
decisions about the product, you should read the PDS
                                                                    of the premium that you pay for an insurance policy and is
carefully to ensure that it is suitable for you.
                                                                    only paid if you buy a policy.
About Mondial Assistance                                            Employees and representatives of Mondial Assistance and
Mondial Assistance (a trading name of ETI Australia Pty             Fast Cover receive an annual salary.
Ltd ABN 52 097 227 177, AFS Licence No. 245631) of                  If you would like more information about the remuneration
74 High Street, Toowong, Queensland 4066, telephone                 that Mondial Assistance or Fast Cover receives, please ask
1800 119 862, is an Australian Financial Services Licensee          them. This request should be made within a reasonable time
authorised to deal in and provide general advice on general         after this FSG is provided to you and before the financial
insurance products. Mondial Assistance has been authorised          services are provided to you.
by the insurer, Allianz Australia Insurance Limited (Allianz)
ABN 15 000 122 850, AFS Licence No. 234708 of 2 Market              If you have a complaint
Street, Sydney, New South Wales 2000, telephone 13 26 64,
                                                                    Should you have a complaint or dispute arising out of this
to act on its behalf to deal in and provide general advice
                                                                    insurance, or our employees, Authorised Representatives
and handle and settle claims in relation to travel insurance
                                                                    or service providers, please call Mondial Assistance on
products underwritten by Allianz.
                                                                    1300 725 154, or put the complaint in writing and send it to
Mondial Assistance has a binding authority, which means             PO Box 162, Toowong, Queensland 4066.
it can enter into, vary or cancel these insurance products
                                                                    If you are still not satisfied after the internal dispute
and handle and settle claims without reference to Allianz,
                                                                    resolution process, you may contact the Financial
provided it acts within the binding authority. When
                                                                    Ombudsman Service Limited (FOS), which is an independent
providing these services, Mondial Assistance acts for Allianz
                                                                    external dispute resolution body. For more information
and does not act on your behalf.
                                                                    or to access the FOS process, please call 1300 780 808.
About Fast Cover                                                    Alternatively, you can write to the FOS at GPO Box 3,
                                                                    Melbourne, Victoria 3001. Access to the FOS is free.
Fast Cover Pty Ltd (Fast Cover) ABN 98 143 196 098,
Authorised Representative Number 381399 of Level 12,                How to contact us
Hudson House, 131 Macquarie Street, Sydney NSW 2000,
                                                                    You can give us instructions using the contact details
telephone (02) 9299 2229, is an Authorised Representative
                                                                    outlined in this FSG. Please retain this document in a safe
of Mondial Assistance.
                                                                    place for your future reference.
Fast Cover is authorised by Mondial Assistance to deal in
and provide general advice on travel insurance products             Date prepared
underwritten by Allianz. Fast Cover acts for Mondial                This FSG was prepared on 20 October 2010.



                                                                1                                                                   2
About this Product Disclosure                                                         Options” page 19 (remember, certain words have               Cooling-off period
                                                                                      special meanings – see “Words with Special                   Even after you have purchased your policy, you have
Statement (PDS)                                                                       Meanings” pages 6 to 9);                                     cooling-off rights (see page 24 of “Important Matters” for
                                                                                  •   ”Important Matters” (pages 24 to 29) – this                  details).
                                                                                      contains important information on applicable
A Product Disclosure Statement (PDS) is a document                                                                                                 Who is your insurer?
                                                                                      Excesses, the period of cover and extensions of
required by the Corporations Act 2001 (Cth) and contains                                                                                           This policy is issued and underwritten by Allianz Australia
                                                                                      cover, the cooling-off period, your Duty of Disclosure
information designed to help you decide whether to buy                                                                                             Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence
                                                                                      (including how the Duty applies to you and what
the policy.                                                                                                                                        No. 234708.
                                                                                      happens if you breach the Duty), our privacy notice
This PDS sets out the cover available and the terms and                               and dispute resolution process, when you can
conditions which apply. You need to read it carefully to                              choose your own doctor, when you should contact              Who is Mondial Assistance?
make sure you understand it and that it meets your needs.                             Mondial Assistance concerning 24 hour medical                Mondial Assistance is a trading name of ETI Australia Pty
This PDS, together with the Certificate of Insurance and any                           assistance, Overseas hospitalisation or medical              Ltd. Mondial Assistance has been authorised by Allianz
written endorsements by us, make up your contract with                                evacuation, and more;                                        to enter into and arrange the policy and deal with and
                                                                                                                                                   settle any claims under it as the agent of Allianz, not as
Allianz. Please retain these documents in a safe place.
                                                                                  •   When We will not pay a claim under each Policy
                                                                                                                                                   your agent. Mondial Assistance acts under a binder which
About the available covers                                                            Section applicable to the cover you choose (“Your
                                                                                                                                                   means that it can do these things as if it were the insurer. It
                                                                                      Policy Cover” pages 30 to 55) and “General
You can choose one of these 5 Plans:                                                                                                               administers all emergency assistance services and benefits
                                                                                      Exclusions Applicable to all Sections” pages 56 to
                                                                                                                                                   of this insurance.
Plan A – Comprehensive                                                                59 (this restricts the cover and benefits); and
                                                                                                                                                   You may contact Mondial Assistance in an emergency 24
Policy Sections* 1 to 16                                                          •   “Claims” (pages 60 to 62) – this sets out certain
                                                                                                                                                   hours a day, 7 days a week.
Plan B – Domestic#                                                                    obligations that you and we have. If you do not meet
Policy Sections 1, 4, 6, 11, 13, 15, 16 and 19 to 23                                  them we may refuse to pay a claim.                           Updating the PDS
Plan C – Cancellation & Luggage                                               Applying for cover                                                   We may need to update this PDS from time to time if
Policy Sections 1 and 11                                                                                                                           certain changes occur where required and permitted by law.
                                                                              When you apply for the policy, we will confirm with you
                                                                                                                                                   We will issue you with a new PDS to update the relevant
Plan D – Snow Cover#                                                          things such as the period of cover, your premium, what
                                                                                                                                                   information, except in limited cases.
Policy Sections* 1 to 23                                                      cover options and Excesses will apply, and whether any
                                                                              standard terms are to be varied (this may be by way of an            Where the information is not something that would be
Plan E – Standard
                                                                              endorsement).                                                        materially adverse from the point of view of a reasonable
Policy Sections* 1 to 7, 9, 11 and 15
                                                                                                                                                   person considering whether to buy this product, we may
*you will not have cover under certain Policy Sections while travelling       These details will be recorded on the Certificate of Insurance
                                                                                                                                                   issue you with notice of this information in other forms
in Australia – see “Geographical Regions” pages 13 to 14 for details          issued to you.
                                                                                                                                                   or keep an internal record of such changes (you can get a
#unless you purchase Plan B or Plan D, you will not have cover for any        This PDS sets out the cover we are able to provide you with.         paper copy free of charge by calling us).
claims Arising from snow sport activities – see General Exclusion 33          You need to decide if the benefit limits, type and level of
on page 59.                                                                   cover are appropriate for you and will cover your potential          Preparation date
                                                                              loss.                                                                The preparation date of this PDS is 20 October 2010.
Understanding your policy and its important terms and
conditions                                                                    If you have any queries, want further information about
To properly understand this policy’s significant features,                     the policy or want to confirm a transaction, please use the
benefits and risks you need to carefully read:                                 contact details on the back cover of this PDS.

    •   “How to Purchase this Policy” (pages 10 to 12)                        About your premium
        – this contains important information on who can                      You will be told the premium payable for the policy when
        purchase the policy, age limits and the choice of                     you apply. It is based on a number of factors such as
        Plans and cover types available to you;                               your destination(s), length of Journey, number of persons
    •   The benefit limits provided under each Plan in the                     covered, your age, the Plan and any Additional Options
        “Table of Benefits” pages 15 to 18, when We will                       selected. The higher the risk, the higher the premium is.
        pay a claim under each Policy Section applicable to                   Your premium also includes amounts that take into account
        the cover you choose (“Your Policy Cover” pages                       our obligation to pay any relevant compulsory government
        30 to 55) and any endorsements under “Additional                      charges, taxes or levies (e.g. Stamp Duty and GST) in
                                                                              relation to your policy. These amounts are included on your
                                                                              Certificate of Insurance as part of the total premium.



                                                                          3                                                                    4                                                                     5
Words with Special Meanings                                          “Injure”, “Injured” or “Injury” means bodily injury caused
                                                                     solely and directly by violent, accidental, visible and external
                                                                     means, which happens at a definite time and place during
                                                                     your period of cover and does not result from any illness,
Some words used in this PDS have a special meaning. When
                                                                     Sickness or disease.
these words are used, they have the meaning set out below.
                                                                     “Journey” means your journey from the time when you
“AICD/ICD” means an implantable cardioverter-                        leave your Home to go directly to the place you depart from
defibrillator (ICD), also known as an automated implantable           on your travels, and ends when you return to your Home.
cardioverterdefibrillator (AICD).
                                                                     “Locked Storage Compartment” means a glove box,
“Arise”, “Arises” or “Arising” means directly or indirectly          enclosed centre console, or concealed cargo area of a
arising or in any way connected with.                                sedan, station wagon, hatchback, van or motorhome.

“Carrier” means an aircraft, vehicle, train, tram, vessel or         “Luggage and Personal Effects” means any personal items
other public transport operated under a licence for the              owned by you and that you take with you or buy on your
purpose of transporting passengers. This definition excludes          Journey and which are designed to be worn or carried about
taxis.                                                               with you. This includes items of clothing, personal jewellery,
                                                                     photographic and video equipment or personal computers,
“Chronic” means a persistent and lasting condition in                or electrical devices or portable equipment. However, it
medicine. We do not consider that chronic pain has to be             does not mean any business samples or items that you
constant pain. In many situations it has a pattern of relapse        intend to trade.
and remission. The pain may be long-lasting, recurrent
(occurred on more than 2 occasions), or characterised by             “Medical Adviser” means a qualified doctor of medicine
long suffering.                                                      or dentist registered in the place where you received the
                                                                     services.
“Dependant” means your children or grandchildren not
in full time employment who are under the age of 21 and              “Moped” or “Scooter” means any two-wheeled or three-
travelling with you on the Journey.                                  wheeled motor vehicle with an engine displacement of not
                                                                     greater than 50cc.
“DSM” means the Diagnostic and Statistical Manual of
Mental Disorders. It is an American handbook for mental              “Motorcycle” means any two-wheeled or three-wheeled
health professionals that lists different categories of mental       motor vehicle with an engine displacement greater than
disorders and the criteria for diagnosing them.                      50cc.

“Epidemic” means a sudden development and rapid                      “Open Water Sailing” means sailing more than 10 nautical
spreading of a contagious disease in a region where it               miles off any land mass.
developed in a simply endemic state or within a previously
                                                                     “Overseas” means in any country other than Australia.
unscathed community.
                                                                     “Pandemic” means a form of an Epidemic that extends
“Excess” means the amount which you must first pay for
                                                                     throughout an entire continent, even the entire human race.
each claim Arising from the one event before a claim can be
made under your policy.                                              “Pre-existing Medical Condition” means:
“Family” means you, your spouse (or legally recognised de                a) An ongoing medical or dental condition of which
facto) and your Dependants.                                                 you are aware, or related complication you have, or
                                                                            the symptoms of which you are aware;
“Home” means the place where you normally live in
                                                                         b) A medical or dental condition that is currently being,
Australia.
                                                                            or has been investigated, or treated by a health
“Hospital” means an established hospital registered under                   professional (including dentist or chiropractor) at any
any legislation that applies to it, that provides in-patient                time in the past, prior to policy purchase;
medical care.                                                            c) Any condition for which you take prescribed
                                                                            medicine;



                                                                 6                                                                      7
    d) Any condition for which you have had surgery;                     •   where it can be taken without your knowledge; or
    e) Any condition for which you see a medical specialist;             •   at such a distance from you that you are unable to
       or                                                                    prevent it being taken.

    f) Pregnancy.                                                     “We”, “Our” and “Us” means Allianz Australia Insurance
                                                                      Limited.
This definition applies to you, your Travelling Companion, a
Relative or any other person.
                                                                      “You” and “Your” means the person(s) whose name(s) are
                                                                      set out on your Certificate of Insurance, and if you have a
“Public Place” means any place that the public has access
                                                                      Single or Family policy, your Dependants.
to, including but not limited to, planes, trains, trams,
cruise ships, taxis, buses, air or bus terminals, stations,
wharves, streets, museums, galleries, hotels, hotel foyers
and grounds, beaches, restaurants, private car parks, public
toilets and general access areas.

“Reasonable” means, for medical or dental expenses, the
standard level of care given in the country you are in, or for
other expenses, the standard level you have booked for the
rest of your Journey, or as determined by us.

“Relative” means any of the following who is under
85 years of age and who is resident in Australia or New
Zealand. It means you or your Travelling Companion’s
spouse, de facto partner, parent, parent-in-law, daughter,
son, daughter-in-law, son-in-law, brother, sister, brother-in-
law, sister-in-law, grandchild, grandparent, stepparent, step-
son, step-daughter, fiancé or fiancée, or guardian.

“Rental Vehicle” means a campervan/motorhome that
does not exceed 4.5 tonnes, a sedan, hatchback or station-
wagon, four wheel drive or mini bus/people mover rented
from a licensed motor vehicle rental company.

“Resident of Australia” means someone who currently
resides in Australia and is eligible for an Australian Medicare
Card.

“Sick” or “Sickness” means a medical condition, not being
an Injury, which first occurs during your period of cover.

“Snow Sport Equipment” means skis (including bindings),
ski poles, ski boots, snowboards (including bindings) and
snowboard boots.

“Travelling Companion” means a person with whom you
have made arrangements to travel with you for at least 75%
of your Journey before your policy was issued.

“Unsupervised” means leaving your Luggage and Personal
Effects:
    •   with a person you did not know prior to
        commencing your Journey; or




                                                                  8                                                                9
How to purchase this policy                                                    •   Claims Arising from, related to or associated with an          Cover types
                                                                                   Injury or Sickness under:                                      You can choose one of the following cover types:
                                                                                   -     Section 1 (Cancellation Fees & Lost Deposits)
                                                                                                                                                  Single      Covers you and your Dependants travelling
                                                                                   -     Section 2 (Overseas Emergency Medical Assistance)                    with you.
             Refer to ‘Who can purchase this                                       -     Section 3 (Overseas Emergency Medical & Hospital
                                                                                                                                                  Duo         Covers you and your Travelling Companion. Duo
  STEP 1                                               see below                                   Expenses)
             policy?’                                                                                                                                         policies do not provide cover for Dependants. We
  STEP 2     Refer to ‘Age limits’                   pages 10 & 11                 -     Section 4 (Additional Expenses)                                      issue one Certificate of Insurance, however, you
                                                                                   are limited to a maximum of $40,000 for all claims                         both have cover as if you are each insured under
             Read the “Pre-existing Medical
  STEP 3
             Conditions” section
                                                     pages 20 to 23                combined under all (not each) of the above Policy                          separate policies with Single benefit limits* per
                                                                                   Sections.                                                                  insured person.
             Nominate the applicable
  STEP 4     “Geographical Region” for your          pages 13 & 14         Travellers 90 years of age and over                                                This option is not available under Plan C (Cancellation &
             Journey                                                                                                                                          Luggage).
                                                                           Cover is available subject to the following conditions:
                                                                                                                                                  Family      Covers you and the members of your Family
  STEP 5
             Nominate the duration of your
             Journey
                                                          ---                  •   A $5,000 Excess applies for all claims Arising from,
                                                                                                                                                              travelling with you. The benefit limits for Family
                                                                                   related to or associated with an Injury or Sickness.
                                                                                                                                                              policies apply to the total of all claims combined,
  STEP 6     Select your Plan (A, B, C, D or E)      pages 15 to 18
                                                                                   For all other claims, refer to the ‘Excess’ heading on                     regardless of the number of persons the claims
             Select the cover type (Single, Duo or                                 pages 28 to 29.                                                            relate to.
  STEP 7                                                page 12
             Family)
             Select any “Additional Options” you
                                                                               •   Claims Arising from, related to or associated with an
  STEP 8                                                page 19                    Injury or Sickness under:                                      * Except for Policy Section 16 (Rental Vehicle Excess) – the amount
             would like to include
                                                                                   -     Section 1 (Cancellation Fees & Lost Deposits)
                                                                                                                                                  shown in the Table of Benefits is the most we will pay for all claims
                                                                                                                                                  combined, regardless of the number of persons the claims relate to.
             Apply for cover via one of the                                        -     Section 2 (Overseas Emergency Medical Assistance)
             following (where applicable):
  STEP 9
                  •  online
                                                     see back cover
                                                       of this PDS                 -     Section 3 (Overseas Emergency Medical & Hospital
                  •  telephone
                                                                                                   Expenses)
                                                                                   -     Section 4 (Additional Expenses)
                                                                                   are limited to a maximum of $30,000 for all claims
Who can purchase this policy?                                                      combined under all (not each) of the above Policy
Cover is only available if:                                                        Sections.

    •   you are a Resident of Australia; and                               Plan D
                                                                           Available to travellers 59 years of age and under.
    •   you purchase your policy before you commence
        your Journey; and                                                  Your choices
    •   your Journey commences and ends in Australia.                      Under this policy, you choose the cover you require based
                                                                           on your travel arrangements.
Age limits
                                                                           Whether you choose:
Age limits are as at the date of issue of your Certificate of
Insurance.                                                                     •   A Single, Duo or Family policy
Plans A, B, C & E                                                              •   Plans A, B, C, D or E
Available to travellers of all ages.                                       depends on the type of cover you want and are eligible to
Travellers 80-89 years of age                                              purchase.
Cover is available subject to the following conditions:
    •   A $2,000 Excess applies for all claims Arising from,
        related to or associated with an Injury or Sickness.
        For all other claims, refer to the ‘Excess’ heading on
        pages 28 to 29.




                                                                      10                                                                     11                                                                           12
Geographical Regions                                                              Plan A (Comprehensive), Plan D (Snow Cover) &
                                                                                  Plan E (Standard)
                                                                                  You must nominate the applicable Geographical Region for
                                                                                  your Journey. Please note that under Plans A, D & E Region
                                                                                  1 cannot be selected as these Plans are designed for travel
 Geographical
                                    Destination                                   Overseas. However, you will have cover for certain Policy
   Region
                                                                                  Sections under Plans A, D & E while travelling in Australia
   REGION 1     Australia (including Thursday Island)                             – see below for details. Please contact us if there is any
                American Samoa, Ashmore & Cartier Islands,                        uncertainty as to which Geographical Region applies.
                Bali, Christmas Island, Cocos (Keeling) Islands,
                                                                                  If you are travelling to multiple destinations which are
                Cook Islands, Fiji, French Polynesia, Guam,
                Heard Island & McDonald Islands, Indonesia,                       in different Geographical Regions, you must select the
                Kiribati, Marshall Islands, Micronesia, Nauru,                    highest Geographical Region (Region 1 being the lowest
   REGION 2                                                                       Geographical Region, 7 the highest), as this will cover travel
                New Caledonia, New Zealand, Niue, Norfolk
                Island, Northern Mariana Islands, Palau, Papua                    in each of the lower Geographical Regions.
                New Guinea, Pitcairn, Samoa, Solomon Islands,
                                                                                  Example:
                Tokelau, Tonga, Tuvalu, Vanuatu and Wallis &
                Futuna Islands.                                                   If you are travelling to Papua New Guinea, Philippines and Europe,
                                                                                  you must select Region 5. You will then have cover for all destinations
                                                                                  listed under Regions 1 to 5.
                You must choose Region 3 if you are going on
                a cruise on a sea or ocean in Regions 1 or 2.                     Cover for any loss you suffer must occur in the Geographical
                                                                                  Region (or any lower Geographical Region) you have
                You will not have cover under this policy if you
                                                                                  selected. However, stopovers of 2 nights in Regions 4 to 6
                select Region 1 or 2 and go on a cruise.
                                                                                  are permitted (stopovers in Region 3 and Region 7 are not
                NOTE: If you are travelling on a domestic cruise in
   REGION 3     Australian waters, Medicare or your private health
                                                                                  permitted).
                fund may not cover you for your medical and dental                Example:
                expenses. Unless you purchase Plan A, D or E (selecting
                Region 3), cover will not be provided for medical transfer        If you are travelling to Bali (and have accordingly selected Region 2
                or evacuation (for example, by helicopter) if you need            as the Geographical Region), you will have cover for all destinations
                to be transported to the nearest Hospital for emergency           listed under Regions 1 & 2, as well as up to 2 nights stopover in any of
                medical treatment.                                                the destinations listed under Regions 4 to 6.
                                                                                  While you are travelling in Australia (destination must be a
                Asia (excluding Russian Federation, Japan, Bali                   minimum of 250km from Home), you will only have cover
   REGION 4
                and Indonesia).                                                   under Policy Sections 1, 4, 6, 11, 13, 15 & 16. If you have
                Europe, Russian Federation and United                             purchased Plan D, you will also have cover under Policy
   REGION 5
                Kingdom.                                                          Sections 19 to 23 while travelling in Australia (destination
                North, Central & South America (including                         must be a minimum of 250km from Home).
                Hawaii and the Caribbean), Africa, Japan,
   REGION 6                                                                       Plan B (Domestic)
                Middle East, Antarctica, Sub-Antarctic Islands
                and any other destination not listed above.                       Geographical Region is fixed at Region 1 – Domestic.
                You must choose Region 7 if you are going on                      Cover for any loss you suffer must occur in this
                a cruise on a sea or ocean for 4 nights or more                   Geographical Region. There is no cover for stopovers in a
                in Regions 4, 5 or 6.
                                                                                  higher Geographical Region.
                If the duration of your cruise is less than 4
   REGION 7     nights, you must choose Region 4, 5 or 6,                         Plan C (Cancellation & Luggage)
                whichever applies.
                                                                                  Geographical Region defaults to Region 6 - Worldwide,
                You will not have cover under this policy if you                  regardless of the destinations you are travelling to.
                select Region 4, 5 or 6 and go on a cruise for 4
                nights or more.




                                                                             13                                                                              14
                    Following is a table of the benefits and their maximum limits. Refer to “Your Policy Cover” pages 30 to 55 for details of what We will pay and what We will not pay, and which
                    types of cover are provided under each Plan. Importantly, please note that exclusions do apply, as well as limits to the cover.
                    All benefit limits and Excesses throughout this PDS are in Australian Dollars (AUD).
                    If you are travelling in the course of your business, please see page 62 for information on how GST may affect your claims.




                                                                                                   PLAN A                                                                        PLAN C
                                                                                                                                              PLAN B                                                                    PLAN D                                     PLAN E                        * sub-limits apply - refer to the “Your Policy
                                                                                                                                                                              Cancellation
                             Policy Section & Benefit                                           Comprehensive                                 Domestic#                                                               Snow Cover#                                  Standard                      Cover” section of this PDS for details (pages 30 to
                                                                                                                                                                              & Luggage                                                                                                          55).

                                                                                        single         duo           family        single          duo           family            policy limit              single         duo           family        single         duo           family
                                                                                                   (per person)##                              (per person)##                                                           (per person)##                             (per person)##                **you must nominate the benefit limit for this Policy
                                                                                                                                                                                                                                                                                                 Section from the following amounts: $500, $1,000,
Table of Benefits




                                                                                                                                                                               Total value of the                                                                                                $1,500, $2,000, $2,500, $3,000, $4,000, $5,000. For
                                                                                                                                                                                insured holiday                                                                                                  example, if your Luggage & Personal Effects are
                        *1   Cancellation Fees & Lost Deposits                        unlimited     unlimited       unlimited    unlimited      unlimited       unlimited                                  unlimited     unlimited       unlimited    unlimited     unlimited       unlimited
                                                                                                                                                                                (as shown on your                                                                                                valued at $600, choose $1,000 as the benefit limit.
                                                                                                                                                                             Certificate of Insurance)**

                        *2   Overseas Emergency Medical Assistance^                   unlimited     unlimited       unlimited       ---             ---            ---                  ---                unlimited     unlimited       unlimited    unlimited     unlimited       unlimited    ^ there is no cover under these Policy Sections
                                                                                                                                                                                                                                                                                                 while travelling in Australia. There is cover under
                        *3   Overseas Emergency Medical & Hospital Expenses ^         unlimited     unlimited       unlimited       ---             ---            ---                  ---                unlimited     unlimited       unlimited    unlimited     unlimited       unlimited
                                                                                                                                                                                                                                                                                                 these Policy Sections while travelling on a domestic
                             Dental Expenses (per person)                                $500          $500            $500         ---             ---            ---                   ---                  $500          $500            $500         $500          $500              $500    cruise in Australian waters where you have
                        *4   Additional Expenses                                       $50,000       $50,000        $100,000      $50,000        $50,000        $100,000                ---                 $50,000       $50,000        $100,000      $30,000       $30,000         $60,000     purchased Plan A or D (selecting Region 3) or Plan
                                                                                                                                                                                                                                                                                                 E. Refer to the “Geographical Regions” section of
                        *5   Hospital Cash Allowance^^                                  $5,000        $5,000         $10,000        ---             ---            ---                  ---                 $5,000        $5,000          $10,000      $2,500        $2,500          $5,000      this PDS for details (pages 13 to 14).
                        *6   Accidental Death                                          $25,000       $25,000         $50,000      $25,000        $25,000         $50,000                ---                 $25,000       $25,000         $50,000      $15,000       $15,000         $30,000
                                                                                                                                                                                                                                                                                                 ^^there is no cover under these Policy Sections
                        *7   Permanent Disability^^                                    $25,000       $25,000         $50,000        ---             ---            ---                  ---                 $25,000       $25,000         $50,000      $15,000       $15,000         $30,000
                                                                                                                                                                                                                                                                                                 while travelling in Australia - refer to the
                        *8   Loss of Income^^                                          $10,400       $10,400         $20,800        ---             ---            ---                  ---                 $10,400       $10,400         $20,800        ---            ---              ---     “Geographical Regions” section of this PDS for
                                                                                                                                                                                                                                                                                                 details (pages 13 to 14).
                             Travel Documents, Credit Cards & Travellers
                         9                                                              $5,000        $5,000         $10,000        ---             ---            ---                  ---                 $5,000        $5,000          $10,000      $2,000        $2,000          $4,000
                             Cheques^^
                                                                                                                                                                                                                                                                                                 #unless you purchase Plan B or Plan D, you will not
                        10   Theft of Cash^^                                            $250           $250           $250          ---             ---            ---                  ---                  $250           $250           $250          ---            ---              ---     have cover for any claims Arising from snow sport
                                                                                                                                                                               Total value of your
                                                                                                                                                                                                                                                                                                 activities - see General Exclusion 33 on page 59.
                                                                                                                                                                              insured Luggage &
                       *11   Luggage & Personal Effects                                 $7,500        $7,500         $15,000      $7,500          $7,500         $15,000        Personal Effects            $7,500        $7,500          $15,000      $5,000        $5,000          $10,000     ## except for Policy Section 16 (Rental Vehicle
                                                                                                                                                                                (as shown on your                                                                                                Excess) - the amount shown in the Table of Benefits
                                                                                                                                                                             Certificate of Insurance)**                                                                                         is the most we will pay for all claims combined,
                                                                                                                                                                                                                                                                                                 regardless of the number of persons the claims
                        12   Luggage & Personal Effects Delay Expenses^^                $250           $250           $500          ---             ---            ---                  ---                  $250           $250           $500          ---            ---              ---
                                                                                                                                                                                                                                                                                                 relate to.
                       *13   Travel Delay Expenses                                      $2,000        $2,000         $4,000       $2,000          $2,000         $4,000                 ---                 $2,000        $2,000          $4,000         ---            ---              ---

                        14   Alternative Transport Expenses^^                           $5,000        $5,000         $10,000        ---             ---            ---                  ---                 $5,000        $5,000          $10,000        ---            ---              ---
                        15   Personal Liability                                       $5,000,000    $5,000,000      $5,000,000   $5,000,000    $5,000,000       $5,000,000              ---                $5,000,000   $5,000,000       $5,000,000   $2,500,000    $2,500,000      $2,500,000
                       *16   Rental Vehicle Excess                                      $3,000        $3,000         $3,000       $3,000          $3,000         $3,000                 ---                 $3,000        $3,000          $3,000         ---            ---              ---
                             Snow Sport Overseas Emergency Medical
                       *17                                                                ---              ---         ---          ---             ---            ---                  ---                unlimited     unlimited       unlimited       ---            ---              ---
                             Assistance^^

                             Snow Sport Overseas Emergency Medical & Hospital
                       *18                                                                ---              ---         ---          ---             ---            ---                  ---                unlimited     unlimited       unlimited       ---            ---              ---
                             Expenses^^
                             Dental Expenses (per person)                                 ---              ---         ---          ---             ---            ---                   ---                  $500          $500            $500         ---            ---              ---

                       *19   Own Snow Sport Equipment                                    ---               ---         ---        $1,500         $1,500          $3,000                 ---                 $1,500        $1,500          $3,000         ---            ---              ---
                        20   Snow Sport Equipment Hire                                   ---               ---         ---        $1,500         $1,500          $3,000                 ---                 $1,500        $1,500          $3,000         ---            ---              ---
                        21   Snow Ski Pack                                               ---               ---         ---         $750            $750          $1,500                 ---                  $750           $750          $1,500         ---            ---              ---
                       *22   Piste Closure                                                ---              ---         ---        $1,000          $1,000         $2,000                 ---                 $1,000        $1,000          $2,000         ---            ---              ---
                        23   Bad Weather & Avalanche Closure                             ---               ---         ---         $750            $750           $750                  ---                  $750           $750           $750          ---            ---              ---




                                                                              15                                                                                              16                                                                                                    17                                                                   18
Additional Options

Specified Luggage & Personal Effects Cover
PLEASE NOTE:
    •   “specified items” refers to Luggage and Personal
        Effects that have been listed as covered on your
        Certificate of Insurance with a nominated sum
        insured.
    •   “unspecified items” refers to Luggage and Personal
        Effects that have not been listed as covered on your
        Certificate of Insurance with a nominated sum insured
The maximum amount we will pay for all claims combined
under Policy Section 11 (Luggage & Personal Effects) is
shown under the Table of Benefits pages 15 to 18 for the
Plan you have selected.
Additional cover can be purchased under Plans A, B & D for
specified items up to a total amount of $5,000 by paying an
additional premium.
You cannot purchase increased cover for jewellery or Snow
Sport Equipment. There is no cover for bicycles or watercraft
(other than surfboards) under the policy. These items must
not be specified and cover will not be provided for them.
The standard item limits under Policy Section 11.1(b) will
not apply to these specified items. Your nominated limit for
‘Specified Luggage & Personal Effects Cover’ will be shown
on your Certificate of Insurance. Receipts and/or valuations
must be provided in the event of a claim.
This Additional Option is not available under Plan C or
Plan E.

Removal of Standard Excess
You can remove the standard $100 Excess on Plans A, C, D
or E by paying an additional premium.
This Additional Option is not available under Plan B.



Please contact us for details on additional premiums.




                                                                19
Pre-existing Medical Conditions                                       6)   Bunions
                                                                      7)   Carpal Tunnel Syndrome
                                                                      8)   Cataracts
This insurance policy provides cover for unforeseen medical
events only. Not all Pre-existing Medical Conditions are              9)   Coeliac Disease
covered under the policy. Please read this entire section             10) Congenital Blindness
carefully, especially the definition of “Pre-existing Medical
Condition”.                                                           11) Congenital Deafness
                                                                      12) *Diabetes Mellitus (Type I) – providing you:
What is a Pre-existing Medical Condition?
                                                                           a)   were diagnosed over 12 months ago, and
“Pre-existing Medical Condition” means:
                                                                           b)   have no eye, kidney, nerve or vascular
    a) An ongoing medical or dental condition of which
                                                                                complications, and
       you are aware, or related complication you have, or
       the symptoms of which you are aware;                                c)   do not also suffer from a known cardiovascular
                                                                                disease, Hypertension, Hyperlipidaemia or
    b) A medical or dental condition that is currently being,                   Hypercholesterolaemia, and
       or has been investigated or treated by a health
                                                                           d)   are under 50 years of age at the date of policy
       professional (including dentist or chiropractor) at any
                                                                                purchase.
       time, in the past, prior to policy purchase;
                                                                      13) *Diabetes Mellitus (Type II) – providing you:
    c) Any condition for which you take prescribed
       medicine;                                                           a)   were diagnosed over 12 months ago, and
                                                                           b)   have no eye, kidney, nerve or vascular
    d) Any condition for which you have had surgery;
                                                                                complications, and
    e) Any condition for which you see a medical specialist;               c)   do not also suffer from a known cardiovascular
       or                                                                       disease, Hypertension, Hyperlipidaemia or
    f) Pregnancy.                                                               Hypercholesterolaemia.
                                                                      14) Dry Eye Syndrome
This definition applies to you, your Travelling Companion, a
Relative or any other person.                                         15) Epilepsy – providing there has been no change to
                                                                          your medication regime in the past 12 months
Pre-existing Medical Conditions that are covered
(some restrictions apply)                                             16) Folate Deficiency
This section outlines the Pre-existing Medical Conditions             17) Gastric Reflux
which are covered.                                                    18) Goitre
You have cover if your Pre-existing Medical Condition                 19) Glaucoma
is described below, provided that you have not been
hospitalised (including Day Surgery or Emergency                      20) Graves’ Disease
Department attendance) for that condition in the past 24              21) Hiatus Hernia
months.
                                                                      22) *Hypercholesterolaemia (High Cholesterol) –
   1)   Acne                                                              provided you do not also suffer from a known
   2)   Allergies limited to Rhinitis, Chronic Sinusitis,                 cardiovascular disease and/or Diabetes
        Eczema, Food Intolerance, Hay Fever                           23) *Hyperlipidaemia (High Blood Lipids) – provided
   3)   Asthma – providing that you:                                      you do not also suffer from a known cardiovascular
                                                                          disease and/or Diabetes
        a)   have no other lung disease and
                                                                      24) *Hypertension (High Blood Pressure) – provided
        b)   are less than 60 years of age at the date of                 you do not also suffer from a known cardiovascular
             policy purchase.                                             disease and/or Diabetes
   4)   Bell’s Palsy                                                  25) Hypothyroidism, including Hashimoto’s Disease
   5)   Benign Positional Vertigo



                                                                 20                                                               21
   26) Impaired Glucose Tolerance                                             Warfarin Use:
   27) Incontinence                                                           Please note that taking the medication Warfarin (also known
                                                                              under the brand names of Coumadin, Jantoven, Marevan
   28) Insulin Resistance                                                     and Waran) has a complex range of serious complications
   29) Iron Deficiency Anaemia                                                 and side effects and is General Exclusion 17 in “General
                                                                              Exclusions Applicable to all Sections” on page 57. This
   30) Macular Degeneration                                                   means that we will not pay for any conditions that are
   31) Meniere’s Disease                                                      otherwise covered.
   32) Migraine
                                                                              Please also read the “General Exclusions Applicable to
   33) Nocturnal Cramps                                                       all Sections” on pages 56 to 59.
   34) Osteopaenia
   35) Osteoporosis
   36) Pernicious Anaemia
   37) Plantar Fasciitis
   38) Raynaud’s Disease
   39) Sleep Apnoea
   40) Solar Keratosis
   41) Trigeminal Neuralgia
   42) Trigger Finger
   43) Vitamin B12 Deficiency
* Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia
and Hyperlipidaemia are risk factors for cardiovascular disease. If
you have a history of cardiovascular disease, and it is a Pre-existing
Medical Condition, cover for these conditions is also excluded.


If your condition is not described in this list, or
hospitalisation has occurred, we will not pay any costs
Arising from, related to or associated with that condition
under the following Policy Sections:
    •   Section 1 -     Cancellation Fees & Lost Deposits
    •   Section 2 -     Overseas Emergency Medical Assistance
    •   Section 3 -     Overseas Emergency Medical & Hospital
                        Expenses
    •   Section 4 -     Additional Expenses
                        (applies to “We will pay” [a] & [b] only)
    •   Section 5 -     Hospital Cash Allowance


This means that we will not pay:
    •   your medical expenses whatsoever
    •   your evacuation or repatriation to Australia
    •   your trip cancellation or rearrangement costs
    •   any additional or out of pocket expenses (including
        additional travel and accommodation expenses).




                                                                         22                                                                 23
Important Matters                                                       If the delay is for any other reason, we must receive your            If you vary, extend, reinstate or replace the policy your duty
                                                                        request to extend cover at least 7 days before your original          is to tell us before that time, every matter known to you
                                                                        policy expires if you send your request by post. All other            which:
Under your policy there are rights and responsibilities which
                                                                        requests to extend cover must be received prior to your                   •   you know; or
                                                                        original policy expiry date. Cover will be extended subject
you and we have. You must read this PDS in full for more                to our written approval, and your payment of the additional               •   a reasonable person in the circumstances could be
details, but here are some you should be aware of.                      premium.                                                                      expected to know,
Period of cover                                                         Where we have agreed to extend cover, we will issue you               is relevant to our decision whether to insure you and
                                                                        with a new Certificate of Insurance. The period of cover on            whether any special conditions need to apply to your policy.
You are not covered until we issue a Certificate of Insurance.
That Certificate forms part of your policy. The period you are           your new Certificate cannot exceed 12 months.                          You do not need to tell us about any matter that:
insured for is set out on the Certificate.                               Extensions of cover are not available:                                    •   diminishes our risk;
However:                                                                    •   for medical conditions you suffered during the term               •   is of common knowledge;
    •   The cover for cancellation fees and lost deposits                       of your original policy; or
                                                                                                                                                  •   we know or should know as an insurer; or
        (Policy Section 1) begins from the time the policy is               •   where you have not advised us of any circumstances
                                                                                                                                                  •   we tell you we do not need to know.
        issued.                                                                 that have given (or may give) rise to a claim under
    •   Cover for all other Policy Sections begins on the date                  your original policy; or                                      Who does the Duty apply to?
        of departure (Start Date) as stated on the Certificate               •   under Plan A (Comprehensive), Plan B (Domestic),              Everyone who is insured under the policy must comply with
        of Insurance.                                                           Plan C (Cancellation & Luggage) & Plan E (Standard),          the Duty of Disclosure.
    •   Cover ends when you return to your Home or on                           where at the time of extension you are aged 80 years          What happens if you or they breach the Duty?
        the date of return set out on your Certificate of                        or over; or                                                   If you or they do not comply with the Duty of Disclosure, we
        Insurance (End Date), whichever happens first.                       •   under Plan D (Snow Cover), where at the time of               may cancel the policy or reduce the amount we pay if you
                                                                                extension you are aged 60 years or over.                      make a claim. If fraud is involved, we may treat the policy as
Cover under Policy Sections 17, 18, 21, 22 and 23 is
                                                                                                                                              if it never existed and pay nothing.
excluded for periods outside of:                                        Confirmation of cover
    •   15th December to 31st March in Northern Hemisphere              To confirm any policy transaction (if the Certificate of                General Insurance Code of Practice
        resorts                                                         Insurance does not have all the information you require),             We proudly support the General Insurance Code of Practice.
    •   15th June to 30th September in Southern Hemisphere              call us using the contact details on the back cover of this           The Code sets out the minimum standards of practice in
        resorts                                                         PDS.                                                                  the general insurance industry. For more information on the
                                                                                                                                              Code please contact Mondial Assistance on 1300 725 154.
Cooling-off period                                                      Jurisdiction and choice of law
                                                                        This policy is governed by and construed in accordance with           Dispute resolution process
If you decide that you do not want this policy, you may
cancel it within 14 days after you are issued your Certificate           the law of Queensland, Australia and you agree to submit              If you are dissatisfied with our service in any way, contact
of Insurance and PDS. You will be given a full refund of the            to the exclusive jurisdiction of the courts of Queensland.            us and we will attempt to resolve the matter in accordance
premium you paid, provided you have not started your                    You agree that it is your intention that this Jurisdiction and        with our Internal Dispute Resolution procedures. To obtain a
Journey and you do not want to make a claim or to exercise              Choice of Law clause applies.                                         copy of our procedures, please contact us.
any other right under the policy. After this period you can                                                                                   A dispute can be referred to the Financial Ombudsman
                                                                        Your Duty of Disclosure
still cancel your policy, but we will not refund any part of                                                                                  Service Limited (FOS), subject to its terms of reference. The
your premium if you do.                                                 Before you enter into this policy with us, the Insurance              FOS provides a free and independent dispute resolution
                                                                        Contracts Act 1984 (Cth) requires you to provide us with the          service for consumers who have general insurance disputes
Extension of cover                                                      information we need to enable us to decide whether and on             falling within its terms. The contact details for the FOS are:
You may extend your cover free of charge if you find that                what terms your proposal for insurance is acceptable and to
                                                                        calculate how much premium is required for your policy.               Financial Ombudsman Service Limited (FOS)
your return to Australia has been delayed because of one or
                                                                                                                                              GPO Box 3, Melbourne VIC 3001
more of the following:                                                  You will be asked various questions when you first apply for           Phone: 1300 780 808
    •   a bus line, airline, shipping line or rail authority you        your policy. When you answer these questions, you must:               Fax: (03) 9613 6399
        are travelling on, or that has accepted your fare or                •   give us honest and complete answers;                          Website: www.fos.org.au
        Luggage and Personal Effects, is delayed; or                                                                                          Email: info@fos.org.au
                                                                            •   tell us everything you know; and
    •   the delay is due to a reason for which you can claim
        under your policy (subject to our written approval).                •   tell us everything that a reasonable person in the
                                                                                circumstances could be expected to tell us.




                                                                   24                                                                    25                                                                    26
Privacy notice                                                        If you do not agree to the above or will not provide us                        •   Section 15 –   Personal Liability
To arrange and manage your travel insurance, we (in                   with personal information, we may not be able to provide                       •   Section 16 –   Rental Vehicle Excess
this Privacy Notice “we”, “our” and “us” includes Mondial             you with our services or products or may not be able to                        •   Section 18 –   Snow Sport Overseas Emergency Medical &
Assistance and its Authorised Representatives and                     process your application or issue you with a policy. In cases                                     Hospital Expenses
distributors) collect personal information from you                   where we do not agree to give you access to some personal                      •   Section 19 –   Own Snow Sport Equipment
                                                                      information, we will give you reasons why.
and others (including those authorised by you such as                                                                                                •   Section 20 –   Snow Sport Equipment Hire
your doctors, Hospitals and persons whom we consider
                                                                      You can choose your own doctor                                                 •   Section 21 –   Snow Ski Pack
necessary).
                                                                      You are free to choose your own Medical Adviser or we can                      •   Section 22 –   Piste Closure
Any personal information you provide is used by us to
evaluate and arrange your travel insurance. We also use
                                                                      appoint an approved Medical Adviser to see you, unless you                     •   Section 23 –   Bad Weather & Avalanche Closure
                                                                      are treated under a Reciprocal Health Agreement.
it to administer and provide the insurance services and                                                                                          A NIL Excess applies to all other Policy Sections.
manage your and our rights and obligations in relation to             You must, however, advise Mondial Assistance of your
                                                                                                                                                 *Refer to the “Table of Benefits” (pages 15 to 18) for details of which
the insurance services, including managing, processing and            admittance to Hospital or your early return to Australia
                                                                                                                                                 Policy Sections are available under each Plan
investigating claims. We may also collect, use and disclose           based on written medical advice.
it for product development, marketing, research, IT systems                                                                                      You can remove the standard $100 Excess by paying an
                                                                      If you do not get the medical treatment you expect,
maintenance and development, recovery against third                                                                                              additional premium (see “Additional Options” page 19).
                                                                      Mondial Assistance can assist you, but neither Allianz nor
parties and for any other purposes with your consent.                 Mondial Assistance are liable for anything that results from               Plan B
This personal information may be disclosed to (and received           that.                                                                      A NIL Excess applies to all Policy Sections.
from) third parties in Australia or Overseas involved in the
                                                                      Overseas hospitalisation or medical evacuation                             Travellers 80-89 years of age
above process, such as travel consultants, travel insurance
providers and intermediaries, Authorised Representatives,             For emergency assistance anywhere in the world at any                      A $2,000 Excess applies for all claims Arising from, related
distributors, reinsurers, claims handlers and investigators,          time, Mondial Assistance is only a telephone call away. The                to or associated with an Injury or Sickness. Refer to the
cost containment providers, medical and health service                team will help with medical problems, locating nearest                     ‘Age Limits’ heading on pages 10 to 11 for the terms and
providers, legal and other professional advisers, your agents         medical facilities, your evacuation Home, locating nearest                 conditions relating to travellers 80-89 years of age.
and our related companies. The use and disclosure of such             embassies and consulates, as well as keeping you in touch
personal information will be provided to third parties for the        with your family and work in an emergency.                                 Travellers 90 years of age and over
primary purposes stated above. The personal information               If you are hospitalised you, or a member of your travelling                A $5,000 Excess applies for all claims Arising from, related
(but not sensitive information) may also be used for a                party, MUST contact Mondial Assistance as soon as possible.                to or associated with an Injury or Sickness. Refer to the
secondary purpose, but only if you would reasonably expect            If you do not, then to the extent permissible by law, we will              ‘Age Limits’ heading on pages 10 to 11 for the terms and
us to use that information for such secondary purpose.                not pay for these expenses or for any evacuation or airfares               conditions relating to travellers 90 years of age and over.
When you give personal information about other                        that have not been approved or arranged by Mondial
                                                                                                                                                 If any additional Excess applies to your policy, the amount
individuals, we and our agents rely on you to have made or            Assistance.
                                                                                                                                                 is shown on the Certificate of Insurance or advised to you in
make them aware:                                                      If you are not hospitalised but you are being treated as an                writing before the Certificate is issued to you.
    •   that you will or may provide their information to us;         outpatient and the total cost of such treatment will exceed
                                                                                                                                                 In the event of a claim:
                                                                      $2,000, you MUST contact Mondial Assistance.
    •   of the types of third parties to whom the information                                                                                    Immediate notice should be given to Mondial Assistance
        may be provided to;                                           Please note that we will not pay for any costs incurred
                                                                      in Australia.                                                              (see contact details on the back cover of this PDS).
    •   of the relevant purposes we and the third parties we                                                                                     To download a claim form online, visit:
        will disclose it to will use it for; and                      Excess
                                                                                                                                                 www.travelclaims.com.au/fastcover
    •   of how they can access it.                                    Plans A, C, D & E
                                                                      We will not pay the first $100 for any one event under the                  PLEASE NOTE: For claims purposes, evidence of the value
We rely on you to have obtained their consent on these                                                                                           of the property insured or the amount of any loss must be
matters. If you have not done or will not do these things,            following Policy Sections*:
                                                                                                                                                 kept.
you must tell us or our agents before you provide the                     •    Section 1 –    Cancellation Fees & Lost Deposits
relevant information.                                                     •    Section 3 –    Overseas Emergency Medical & Hospital              Claims processing
You can seek access to and correct your personal                                              Expenses                                           We will process your claim within 10 business days of
information by contacting us. You may not access or correct               •    Section 9 –    Travel Documents, Credit Cards & Travellers        receiving the completed claim form and all necessary
personal information of others unless you have been                                           Cheques                                            documentation. If we need additional information, a written
authorised by their express consent or otherwise under law,               •    Section 10 –   Theft of Cash                                      notification will be sent to you within 10 business days.
or unless they are your dependants under 16 years of age.                 •    Section 11 –   Luggage & Personal Effects




                                                                 27                                                                         28                                                                            29
Your Policy Cover                                                                 source. The cancellation must be due to unforeseen                   g) The financial collapse of any transport, tour or
                                                                                  circumstances outside of your control.                                  accommodation provider.
                                                                                  We calculate the amount we pay you as follows:                       h) The mechanical breakdown of any means of
This part of the PDS outlines what We Will Pay and what                            •    the cost of an equivalent class airline ticket                    transport.
We Will Not Pay under each Policy Section in the event of a                             based on the quoted retail price at the time                   i) An act or threat of terrorism.
claim.                                                                                  the ticket was issued, less your financial
                                                                                        contribution toward the airline ticket;                        j) The death, Injury or Sickness of any person who
You must also check “General Exclusions Applicable to all                                                                                                 resides outside of Australia or New Zealand.
Sections” on pages 56 to 59 for other reasons why we will                         multiplied by:
not pay.                                                                           •    the total number of points lost                                k) Your pre-arranged leave being cancelled by your
                                                                                                                                                          employer (where you are a full-time permanent
See “Words with Special Meanings” on pages 6 to 9 for                             divided by the total number of points used to obtain
                                                                                                                                                          employee).
the meanings of words that apply throughout this PDS.                             the ticket.
You only have cover under a Policy Section if the “Table of                    d) If, as a result of a Pre-existing Medical Condition,
Benefits” on pages 15 to 18 shows that there is cover for                          a Relative of yours is hospitalised in Australia or            SECTION 2 – Overseas Emergency Medical
the Policy Section under the Plan you have selected.                              New Zealand, or dies in Australia or New Zealand                           Assistance
The most we will pay for the total of all claims under each                       after the policy is issued, and at the time of policy
Policy Section is shown in the Table of Benefits for the Plan                      issue you were unaware of the likelihood of such               You only have this cover if you chose Plan A, D or E.
you have selected. Sub-limits may also apply to particular                        hospitalisation or death, the most we will pay under
                                                                                                                                                 PLEASE NOTE: You will not have cover under this Policy Section while
types of losses or claims.                                                        this Policy Section is as follows:
                                                                                                                                                 travelling in Australia, unless you are travelling on a domestic cruise
                                                                                   •    $2,000 for Single policies                               in Australian waters and have purchased Plan A or D (selecting Region
                                                                                   •    $2,000 per person for Duo policies
                                                                                                                                                 3) or Plan E.


SECTION 1 – Cancellation Fees & Lost Deposits                                      •    $4,000 for Family policies                               Mondial Assistance will help you with any Overseas medical
                                                                                                                                                 emergency (see ‘Overseas Hospitalisation or Medical
                                                                                                                                                 Evacuation’ on page 28). You may contact them at any time
                                                                                                                                                 7 days a week.
You have this cover if you chose Plan A, B, C, D or E.                   1.2
                                                                               a) We will not pay if you were aware of any reason,
                                                                                  before your period of cover commenced, that may                2.1
1.1
                                                                                  cause your Journey to be cancelled, abandoned or
      a) We will pay your cancellation fees and lost deposits                     shortened.                                                     Mondial Assistance will arrange for the following assistance
         for travel and accommodation arrangements that                                                                                          services if you Injure yourself Overseas, or become Sick
         you have paid in advance and cannot recover in any              Nor will we pay if your cancellation fees or lost deposits              while Overseas:
         other way if your Journey is cancelled or shortened             Arise because of:
                                                                                                                                                       a) Access to a Medical Adviser for emergency medical
         at any time through circumstances neither expected                    b) The death, Injury or Sickness of your Relative Arising                  treatment while Overseas.
         nor intended by you and outside your control.                            from a Pre-existing Medical Condition, except as
                                                                                  specified under Policy Section 1.1(d).                                b) Any messages which need to be passed on to your
      b) We will pay the travel agent’s cancellation fees up                                                                                              family or employer in the case of an emergency.
         to $1,500 for Single policies, $1,500 per person for                  c) You or your Travelling Companion changing plans.
         Duo policies or $3,000 for Family policies, where all                                                                                         c) Provision of any written guarantees for payment of
         monies have been paid or the maximum amount of                        d) Any business, financial or contractual obligations.                      Reasonable expenses for emergency hospitalisation
         the deposit has been paid at the time of cancellation.                   This exclusion does not apply to claims where you                       while Overseas.
         However, we will not pay more than the level of                          or your Travelling Companion are made redundant
                                                                                  from full-time employment in Australia, provided                     d) Your medical transfer or evacuation if you must be
         commission or service fees normally earned by
                                                                                  you or they were not aware that the redundancy was                      transported to the nearest Hospital for emergency
         the agent, had your Journey not been cancelled.
                                                                                  to occur before you purchased your policy.                              medical treatment Overseas, or be brought back to
         Documentary evidence of the travel agent’s fee is
                                                                                                                                                          Australia with appropriate medical supervision.
         required.                                                             e) A tour operator or wholesaler being unable to
                                                                                  complete arrangements for any tour because there                     e) The return to Australia of your Dependants if
      c) We will pay you for loss of frequent flyer or similar
                                                                                  were not enough people to go on the tour.                               they are left without supervision following your
         air travel points you used to purchase an airline
                                                                                                                                                          hospitalisation or evacuation.
         ticket following cancellation of that airline ticket, if              f) Delays or rescheduling by a bus line, airline, shipping
         you cannot recover the lost points from any other                        line or rail authority.                                        If you die as a result of an Injury or a Sickness during your
                                                                                                                                                 Journey, we will pay for the Reasonable cost of either a



                                                                    30                                                                      31                                                                             32
funeral or cremation Overseas and/or of bringing your                                   costs had you agreed to our recommendation.                          i) For any claims Arising outside the period 15th
remains back to your Home. The maximum amount we will                                   You will then be responsible for any ongoing or                         December to 31st March in Northern Hemisphere
pay is $15,000 per person.                                                              additional costs relating to or Arising out of the                      resorts, and 15th June to 30th September in Southern
                                                                                        event you have claimed for.                                             Hemisphere resorts.
Please note that we will not pay for any costs incurred
in Australia.                                                                           We will only pay for treatment received and/or
                                                                                        Hospital accommodation during the 12 month
                                                                                        period after the Sickness first showed itself or the            SECTION 4 – Additional Expenses
2.2                                                                                     Injury happened.
      a) We will not pay for any expenses for medical                                b) We will also pay the cost of emergency dental                  You only have this cover if you chose Plan A, B, D or E.
         evacuation, funeral services or cremation or bringing                          treatment up to a maximum amount of $500 per
         your remains back to Australia unless it has been first                         person for dental costs incurred, which the treating
         approved by Mondial Assistance.                                                dentist certifies in writing is for the relief of sudden        4.1
                                                                                        and acute pain to sound and natural teeth.
      b) We will not pay if you decline to promptly follow the                                                                                               a) We will reimburse any Reasonable additional
         medical advice we have obtained, and we will not                      Please note that we will not pay for any costs incurred                          accommodation and travel expenses if you cannot
         be responsible for subsequent medical, Hospital or                    in Australia.                                                                    travel because of an Injury or Sickness which needs
         evacuation expenses.                                                                                                                                   immediate treatment from a Medical Adviser who
                                                                                                                                                                certifies in writing that you are unfit to travel.
      c) We will not pay for medical evacuation or the
         transportation of your remains from Australia to an                   3.2                                                                              We will also reimburse your Reasonable additional
         overseas country.                                                           a) For expenses Arising from Pre-existing Medical                          accommodation and travel expenses for you to be
                                                                                        Conditions, except as specified under the                                with your Travelling Companion if he or she cannot
      d) We will not pay any claims Arising from snow sport                                                                                                     continue their Journey for the same reason.
                                                                                        “Pre-existing Medical Conditions” section – see
         activities under this Policy Section, regardless of
                                                                                        pages 20 to 23.                                                         We will also reimburse the Reasonable
         whether you have purchased Plan D (Snow Cover)
         (however, refer to Policy Section 17 – Snow Sport                           b) When you have not notified Mondial Assistance as                         accommodation and travel expenses of your
         Overseas Emergency Medical Assistance).                                        soon as practicable of your admittance to Hospital.                     Travelling Companion or a Relative to travel to you,
                                                                                                                                                                stay near you or escort you, if you are in Hospital
                                                                                     c) For expenses after 2 weeks treatment by a                               suffering from a life threatening or other serious
SECTION 3 – Overseas Emergency Medical                                                  chiropractor, physiotherapist or dentist, unless                        condition, or are evacuated for medical reasons. He
            & Hospital Expenses                                                         approved by Mondial Assistance.                                         or she must travel, stay with you or escort you on
                                                                                     d) If you do not take the advice of Mondial Assistance.                    the written advice of a Medical Adviser and with the
                                                                                                                                                                prior approval of Mondial Assistance.
You only have this cover if you chose Plan A, D or E.                                e) If you have received medical care under a Reciprocal
                                                                                        National Health Scheme. Reciprocal Health                            b) If you shorten your Journey and return to Australia
PLEASE NOTE: You will not have cover under this Policy Section while
                                                                                        Agreements are currently in place with Finland,                         on the written advice of a Medical Adviser approved
travelling in Australia, unless you are travelling on a domestic cruise
in Australian waters and have purchased Plan A or D (selecting Region                   Italy, Malta, the Netherlands, Norway, Sweden,                          by Mondial Assistance, we will reimburse the
3) or Plan E.                                                                           the Republic of Ireland, United Kingdom and New                         Reasonable cost of your return to Australia. We
                                                                                        Zealand.                                                                will only pay the cost of the fare class that you had
                                                                                                                                                                planned to travel at and you must take advantage of
                                                                                     f) For expenses for damage to dentures, dental                             any pre-arranged return travel to Australia.
3.1                                                                                     prostheses, bridges or crowns.
                                                                                                                                                             c) If, during your Journey, your Travelling Companion or
      a) We will reimburse the Reasonable medical or
                                                                                     g) For expenses relating to dental treatment involving                     a Relative of either of you:
         Hospital expenses you incur until you get back to
         Australia if you Injure yourself Overseas, or become
                                                                                        the use of precious metals or for cosmetic dentistry.                    •   dies unexpectedly;
         Sick there. The medical or Hospital expenses must                           h) For any claims Arising from snow sport activities                        •   is disabled by an Injury; or
         have been incurred on the written advice of a
         Medical Adviser. You must make every effort to keep
                                                                                        under this Policy Section, regardless of whether
                                                                                        you have purchased Plan D (Snow Cover) (however,
                                                                                                                                                                 •   becomes seriously Sick and requires
                                                                                                                                                                     hospitalisation
         your medical or Hospital expenses to a minimum.                                refer to Policy Section 19 – Snow Sport Overseas
                                                                                        Emergency Medical & Hospital Expenses).                                 (except Arising out of a Pre-existing Medical
         If we determine that you should return home to                                                                                                         Condition), we will reimburse the Reasonable
         Australia for treatment and you do not agree to do                                                                                                     additional cost of your return to Australia. We will
         so, we will pay you the amount which we determine                                                                                                      only pay the cost of the fare class you had planned
         would cover your medical expenses and/or related                                                                                                       to travel at.


                                                                          33                                                                      34                                                                    35
d) We will reimburse you for airfares for you to return           If you do not have a return ticket booked to Australia before               SECTION 5 – Hospital Cash Allowance
   to the place you were when your Journey was                    you were Injured or became Sick, we will reduce the amount
   interrupted, if you return to your Home because:               of your claim by the price of the fare to Australia from the
    •    during your Journey, a Relative of yours dies            place you planned to return to Australia from. The fare will                You only have this cover if you chose Plan A, D or E.
         unexpectedly or is hospitalised following a              be at the same fare class as the one you left Australia on.                 PLEASE NOTE: You will not have cover under this Policy Section while
         serious Injury or a Sickness (except Arising                                                                                         travelling in Australia.
                                                                  Wherever claims are made by you under this Policy Section
         from a Pre-existing Medical Condition); and              and Policy Section 1 (Cancellation Fees & Lost Deposits) for
    •    it is possible for your Journey to be resumed;           cancelled services/facilities or alternative arrangements for
         and                                                      the same or similar services/facilities, we will pay for the                5.1
                                                                  higher of the two amounts, not both.
    •    there is more than 14 days remaining of the                                                                                          We will pay you $50 for each day you are in Hospital if you
         period of cover, as noted on your Certificate of                                                                                      are in Hospital for more than 48 continuous hours while you
         Insurance; and                                                                                                                       are Overseas.
                                                                  4.2
    •    you resume your Journey within 12 months of
         your return to Australia.                                      a) We will not pay if you were aware of any reason,
                                                                           before your period of cover commenced, that may                    5.2
   The most we will pay under this benefit is as follows:
                                                                           cause your Journey to be cancelled, disrupted or
    •    $3,000 for Single policies                                        delayed.
                                                                                                                                                    a) We will not pay for the first 48 continuous hours you
                                                                                                                                                       are in Hospital.
    •    $3,000 per person for Duo policies
                                                                        b) We will not pay if the death, Injury or Sickness of                      b) We will not pay if you cannot claim for Overseas
    •    $6,000 for Family policies                                        your Relative Arises from a Pre-existing Medical                            medical expenses in Policy Section 3 (Overseas
e) If, as a result of a Pre-existing Medical Condition,                    Condition, except as specified under Policy Section                          Emergency Medical & Hospital Expenses).
   a Relative of yours is hospitalised in Australia or                     4.1(e).
   New Zealand or dies in Australia or New Zealand                      c) We will not pay if you can claim your additional
   after the policy is issued, and at the time of policy                   travel and accommodation expenses from anyone                      SECTION 6 – Accidental Death
   issue you were unaware of the likelihood of such                        else.
   hospitalisation or death, the most we will pay under
   this Policy Section is as follows:                                   d) We will not pay if your claim relates to the financial              You only have this cover if you chose Plan A, B, D or E.
    •    $2,000 for Single policies                                        collapse of any transport, tour or accommodation
                                                                           provider.
    •    $2,000 per person for Duo policies
                                                                        e) We will not pay for delays or rescheduling by a bus                6.1
    •    $4,000 for Family policies
                                                                           line, airline, shipping line or rail authority unless it is
f) In addition, we will reimburse your Reasonable                                                                                             We will pay the death benefit to the estate of the deceased,
                                                                           due to a strike, riot, hijack, civil protest, weather or           if:
   additional travel and accommodation expenses if a                       natural disaster.
   disruption to your Journey Arises from the following                                                                                             a) you are Injured during your Journey and you die
   reasons:                                                             f) We will not pay if you operate a Rental Vehicle in                          because of that Injury within 12 months of the Injury;
                                                                           violation of the rental agreement.
    •    Your scheduled or connecting transport is                                                                                                     or
         cancelled, delayed, shortened or diverted                      g) We will not pay as a result of you or your Travelling                    b) during your Journey, something you are travelling on
         because of a strike, riot, hijack, civil protest,                 Companion changing plans.                                                   disappears, sinks or crashes and you are presumed
         weather or natural disaster.                                                                                                                  dead and your body is not found within 12 months.
    •    You unknowingly break any quarantine rule.
                                                                                                                                              The amount we will pay for the death of accompanying
    •    You lose your passport, travel documents or                                                                                          Dependants is $5,000 per Dependant.
         credit cards or they are stolen.
    •    An accident involving your mode of transport.
         You must have written confirmation of the                                                                                             6.2
         accident from an official body in the country
                                                                                                                                              We will not pay for death caused by suicide or for any
         where the accident happened.
                                                                                                                                              other reason other than caused by Injury as defined under
    •    Your Home is rendered uninhabitable by fire,                                                                                          “Words with Special Meanings” on page 7.
         explosion, earthquake or flood.




                                                             36                                                                          37                                                                          38
SECTION 7 – Permanent Disability                                                                                                                        SECTION 10 – Theft of Cash
                                                                            8.2
                                                                                  a) We will not pay for the first 30 days of your
You only have this cover if you chose Plan A, D or E.                                                                                                   You only have this cover if you chose Plan A or D.
                                                                                     disablement from the time you return to Australia.
PLEASE NOTE: You will not have cover under this Policy Section while                                                                                    PLEASE NOTE: You will not have cover under this Policy Section while
travelling in Australia.                                                          b) We will not pay for the loss of income of                          travelling in Australia.
                                                                                     Dependants.

7.1                                                                                                                                                     10.1
We will pay if:                                                             SECTION 9 – Travel Documents, Credit Cards                                  We will pay for cash, bank notes, currency notes, postal
                                                                                        & Travellers Cheques                                            orders or money orders stolen from your person during
      a) you are Injured during your Journey; and
                                                                                                                                                        your Journey.
      b) because of the Injury, you become permanently                      You only have this cover if you chose Plan A, D or E.
         disabled within 12 months of the Injury.
                                                                            PLEASE NOTE: You will not have cover under this Policy Section while
“Permanently disabled” means:                                               travelling in Australia.                                                    10.2
      •   you have totally lost all of the sight in one or both                                                                                             a) We will not pay if you do not report the theft within
          eyes, or the use of a hand or foot at or above the                                                                                                   24 hours to the police or an office of the bus line,
          wrist or ankle; and                                               9.1                                                                                airline, shipping line or rail authority you were
                                                                                                                                                               travelling on when the theft occurred. You can
      •   the loss is for at least 12 months and, in our opinion                  a) We will reimburse you the replacement costs
                                                                                                                                                               prove that you made a report by providing us with a
          after consultation with an appropriate medical                             (including communication costs) of any travel
                                                                                     documents, including passports, credit cards or                           written statement from whoever you reported it to.
          specialist, will continue indefinitely.
                                                                                     travellers cheques you lose or which are stolen from                   b) We will not pay if the cash, bank notes, currency
The amount we will pay for the permanent disability of
                                                                                     you during your Journey.                                                  notes, postal orders or money orders were not on
Dependants is $5,000 per Dependant.
                                                                                  b) We will also cover loss resulting from the fraudulent                     your person at the time they were stolen.
                                                                                     use of any credit card held by you, following the loss
7.2                                                                                  of the card during your Journey.
                                                                                                                                                        SECTION 11 – Luggage & Personal Effects
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE                               We will only cover those amounts not covered by any
TO ALL SECTIONS” PAGES 56 TO 59 FOR REASONS WHY                             guarantee given by the bank or issuing company to you as
WE WILL NOT PAY.                                                            the cardholder covering such losses.                                        You have this cover if you chose Plan A, B, C, D or E.
                                                                                                                                                        PLEASE NOTE: for the purpose of this Policy Section:
                                                                                                                                                            •   “specified items” refers to Luggage and Personal Effects that
                                                                            9.2                                                                                 have been listed as covered on your Certificate of Insurance
SECTION 8 – Loss of Income                                                                                                                                      with a nominated sum insured
                                                                            We will not pay if:
                                                                                                                                                            •   “unspecified items” refers to Luggage and Personal Effects
                                                                                  a) you do not report the theft within 24 hours to                             that have not been listed as covered on your Certificate of
You only have this cover if you chose Plan A or D.
                                                                                     the police and, in the case of credit cards and                            Insurance with a nominated sum insured
PLEASE NOTE: You will not have cover under this Policy Section while                 travellers cheques, to the issuing bank or company
travelling in Australia.                                                             in accordance with the conditions under which the
                                                                                     cards or cheques were issued; and                                  11.1
                                                                                  b) you cannot provide us with a written statement from                    a) We will pay the repair cost or value of any Luggage
8.1                                                                                                                                                            and Personal Effects which are stolen or accidentally
                                                                                     them.
If you are Injured during your Journey and become disabled                                                                                                     damaged or are permanently lost.
within 30 days because of the Injury, and the disablement
                                                                                                                                                                When calculating the amount payable we will apply
continues for more than 30 days after your return to
                                                                                                                                                                depreciation due to age, wear and tear. The amount
Australia, we will pay you $400 per person, per week for a
                                                                                                                                                                of such depreciation will be determined by us. No
period of up to 26 weeks. We will only pay if you cannot do
                                                                                                                                                                depreciation will be applied to goods purchased
your normal or suitable alternative work and you lose all
                                                                                                                                                                duty free prior to your departure, or goods
your income.
                                                                                                                                                                purchased during your Journey.




                                                                       39                                                                          40                                                                          41
   We will not pay more than the original purchase                                                                                           n) The Luggage and Personal Effects are fragile, brittle
   price of any item. We have the option to repair or             11.2                                                                          or an electronic component is broken or scratched -
   replace the Luggage and Personal Effects instead of            We will not pay a claim in relation to your Luggage and                       unless either:
   paying you.                                                    Personal Effects if:                                                            •    it is the lens of spectacles, binoculars or
b) The maximum amount we will pay for any item (i.e.                                                                                                   photographic or video equipment; or
                                                                      a) You do not report the loss, theft or misplacement
   the item limit) is:                                                   within 24 hours to the police or an office of the bus                     •    the breakage or scratch was caused by a crash
    •   $3,000 for personal computers, video recorders                   line, airline, shipping line or rail authority you were                       involving a vehicle in which you are travelling.
        or cameras                                                       travelling on when the loss, theft or misplacement                  o) You are entitled to be reimbursed by the bus line,
    •   $1,000 for mobile phones (including PDAs and                     occurred. You must prove that you made such
                                                                         report by providing us with a written statement from
                                                                                                                                                airline, shipping line or rail authority you were
        any items with phone capabilities)                                                                                                      travelling on when the loss, theft, misplacement
                                                                         whoever you reported it to.                                            or damage occurred. However, if you are not
    •   $750 for all other unspecified items                                                                                                     reimbursed the full amount of your claim, we will pay
                                                                      b) Your jewellery, mobile phone, camera, video camera,
   A pair or related set of items, for example (but not                                                                                         the difference between the amount of your loss and
                                                                         personal computer, computer equipment or their
   limited to):                                                                                                                                 what you were reimbursed, up to the limit of your
                                                                         accessories are transported in the cargo hold of any
    •   a camera, lenses (attached or not), tripod and                   aircraft, ship, train, tram or bus.
                                                                                                                                                cover (allowing for depreciation due to age, wear
        accessories;                                                                                                                            and tear).
                                                                      c) The loss, theft or damage is to, or of, bicycles.
    •   a matched or unmatched set of golf clubs, golf                                                                                       p) The loss or damage is to, or of, sporting equipment
        bag and buggy;                                                d) The loss, theft or damage is to, or of, items left                     while in use (including surfboards).
    •   a matching pair of earrings;                                     behind in any hotel or motel room after you have
                                                                         checked out, or items left behind in any aircraft, ship,
   are considered as only one item for the purpose of                    train, tram, taxi or bus.                                       SECTION 12 – Luggage & Personal Effects
   this insurance, and the appropriate single item limit
   will be applied.                                                   e) The loss, theft or damage is to, or of, watercraft of                        Delay Expenses
                                                                         any type (other than surfboards).
c) In addition to the limit shown in the Table of Benefits                                                                                You only have this cover if you chose Plan A or D.
   for this Policy Section, we will also pay up to a                  f) The loss, theft or damage is to, or of, Snow Sport
                                                                                                                                         PLEASE NOTE: You will not have cover under this Policy Section while
   maximum of $5,000 (or such other lower amount                         Equipment (however, refer to Policy Section 19 –
                                                                                                                                         travelling in Australia.
   which you have previously selected) for all items                     Own Snow Sport Equipment).
   combined, that you have specified under ‘Specified
                                                                      g) The Luggage and Personal Effects were being sent
   Luggage & Personal Effects Cover’ and paid an
                                                                         unaccompanied or under a freight contract.                      12.1
   additional premium for. The standard item limits
   shown in (b) above do not apply to the specified                    h) The loss or damage Arises from any process of                   We will reimburse you if any items of your Luggage and
   items listed on your Certificate of Insurance.                         cleaning, repair or alteration.                                 Personal Effects are delayed, misdirected or misplaced by
d) Luggage and Personal Effects left in a motor vehicle                                                                                  the Carrier for more than 12 hours, and in our opinion it was
                                                                      i) The loss or damage Arises from ordinary wear
   are only covered during daylight hours and must                                                                                       reasonable for you to purchase essential items of clothing
                                                                         and tear, deterioration, atmospheric or weather
   have been locked in the boot or in a Locked Storage                                                                                   or other personal items.
                                                                         conditions, insects, rodents or vermin.
   Compartment, and forced entry must have been                                                                                          Your claim must contain written proof from the Carrier who
   made.                                                              j) The Luggage and Personal Effects were left                      was responsible for your Luggage and Personal Effects that
                                                                         Unsupervised in a Public Place.                                 they were delayed, misdirected or misplaced.
   No cover applies if Luggage and Personal Effects
   are left unattended in the passenger compartment                   k) The Luggage and Personal Effects were left                      We will deduct any amount we pay you under this Policy
   of the motor vehicle, or if the Luggage and Personal                  unattended in a motor vehicle, unless they                      Section for any subsequent claim for lost Luggage and
   Effects have been left in the motor vehicle overnight.                were locked in the boot or in a Locked Storage                  Personal Effects (Policy Section 11).
                                                                         Compartment.
   The most we will pay if your Luggage and Personal
   Effects are stolen from the locked boot or from a                  l) The Luggage and Personal Effects were left overnight
   Locked Storage Compartment of an unoccupied                           in a motor vehicle, even if they were locked in the             12.2
   motor vehicle during daylight hours is $200 for each                  boot or in a Locked Storage Compartment.
                                                                                                                                         We will not pay if you are entitled to compensation from
   item, and $2,000 in total for all stolen items, even if            m) The Luggage and Personal Effects have an electrical             the bus line, air line, shipping line or rail authority you were
   you have purchased ‘Specified Luggage & Personal                       or mechanical breakdown.                                        travelling on for the relevant amount claimed. However,
   Effects Cover’.                                                                                                                       if you are not reimbursed the full amount, we will pay the




                                                             42                                                                     43                                                                          44
difference between the amount of your expenses and what                                                                                             e) any loss, damage or expenses which are covered
you were reimbursed, up to the limit of your cover.                         14.2                                                                       or should have been covered under a statutory
                                                                                a) We will not pay if the cancellation, delay, shortening              or compulsory insurance policy, statutory or
                                                                                   or diversion of your scheduled transport Arises                     compulsory insurance or compensation scheme or
                                                                                   from the financial collapse of any transport, tour or                fund, or under Workers’ Compensation legislation,
SECTION 13 - Travel Delay Expenses                                                                                                                     an industrial award or agreement, or Accident
                                                                                   accommodation provider.
                                                                                                                                                       Compensation legislation;
                                                                                b) We will not pay if your claim Arises from an act or
You only have this cover if you chose Plan A, B or D.                                                                                               f) any fine or penalty, or aggravated, punitive,
                                                                                   threat of terrorism.
                                                                                                                                                       exemplary or liquidated damages;
                                                                                                                                                    g) disease that is transmitted by you;
13.1
                                                                            SECTION 15 – Personal Liability                                         h) any relief or recovery other than monetary amounts;
We will reimburse the cost of your Reasonable additional
meals and accommodation expenses if a delay to your                                                                                                 i) a contract that imposes on you a liability which you
Journey, for at least 6 hours, Arises from circumstances                    You only have this cover if you chose Plan A, B, D or E.                   would not otherwise have;
outside your control.
                                                                                                                                                    j) assault and/or battery committed by you or at your
We will pay up to $200 at the end of the initial 6 hour                                                                                                direction; or
period. In addition, we will pay up to $200 for each full 24                15.1
hour period that the delay continues beyond the initial 6                                                                                           k) conduct intended to cause bodily injury, property
                                                                            We will cover your legal liability for payment of                          damage or liability with reckless disregard for the
hour delay.
                                                                            compensation in respect of:                                                consequences of you or any person acting with your
                                                                                •   death or bodily injury, and/or                                     knowledge, consent or connivance.
13.2                                                                            •   physical loss of, or damage to, property,
We will not pay if a delay to your Journey Arises from any of               occurring during your Journey which is caused by an
the following reasons:                                                      accident or a series of accidents attributable to one source         SECTION 16 – Rental Vehicle Excess
    a) the financial collapse of any transport, tour or                      or originating cause.
       accommodation provider;                                              We will also pay your Reasonable legal expenses for settling         You only have this cover if you chose Plan A, B or D.
                                                                            or defending the claim made against you.
    b) an act or threat of terrorism,
                                                                            You must not admit fault or liability for the claim, or incur
nor will we pay if:                                                         any legal costs without our prior written approval.                  16.1
    c) you can claim your additional meals and
                                                                                                                                                    a) We will reimburse the Rental Vehicle insurance
       accommodation expenses from anyone else.
                                                                                                                                                       excess or the cost of repairing the vehicle, whichever
                                                                            15.2                                                                       is the lesser, if a vehicle you have rented from
                                                                            We will not reimburse you for anything you have to pay                     a rental company is involved in a motor vehicle
SECTION 14 – Alternative Transport Expenses                                                                                                            accident while you are driving, or is damaged or
                                                                            because of a legal claim against you for causing bodily
                                                                            injury, death or loss or damage to, or of, property, if the                stolen while in your custody. You must provide a
                                                                            claim Arises out of or is for:                                             copy of the repair account and/or quote. This cover
You only have this cover if you chose Plan A or D.
                                                                                                                                                       does not take the place of Rental Vehicle insurance
PLEASE NOTE: You will not have cover under this Policy Section while            a) bodily injury to you, your Travelling Companion or to               and only provides cover for the excess component
travelling in Australia.                                                           a Relative or employee of either of you;                            up to the applicable benefit limit.
                                                                                b) damage to property belonging to you, or in your                  b) We will also pay up to $500 for the cost of returning
                                                                                   care or control, or belonging to, or in the care                    your Rental Vehicle to the nearest depot, if your
14.1                                                                               or control of, your Relative or your Travelling                     attending Medical Adviser certifies in writing that
We will pay your Reasonable additional travel expenses to                          Companion, or to an employee of either of you;                      you are unfit to do so during your Journey.
reach a wedding, funeral, conference, sporting event or
                                                                                c) the ownership, custody or use of any aerial device,
prepaid travel/tour arrangements on time if your scheduled
                                                                                   watercraft or mechanically propelled vehicle;
transport is cancelled, delayed, shortened or diverted, and
that means you would not arrive on time.                                        d) the conduct of a business, profession or trade;




                                                                       45                                                                   46                                                                  47
                                                                                                                                                               so, we will pay you the amount which we determine
16.2                                                                        17.2                                                                               would cover your medical expenses and/or related
We will not pay a claim involving the theft or damage to                        a) We will not pay for any expenses for medical                                costs had you agreed to our recommendation.
your Rental Vehicle if the claim Arises from you operating or                      evacuation, funeral services or cremation or bringing                       You will then be responsible for any ongoing or
using the Rental Vehicle:                                                          your remains back to Australia, unless it has been                          additional costs relating to or Arising out of the
                                                                                   first approved by Mondial Assistance.                                        event you have claimed for.
    a) in violation of the rental agreement;
                                                                                b) We will not pay if you decline to promptly follow the                       We will only pay for treatment received and/or
    b) while affected by alcohol or any other drug in a way                                                                                                    Hospital accommodation during the 12 month
                                                                                   medical advice we have obtained, and we will not
       that is against the law of the place you are in; or                                                                                                     period after the Sickness first showed itself or the
                                                                                   be responsible for subsequent medical, Hospital or
                                                                                   evacuation expenses.                                                        Injury happened.
    c) without a licence for the purpose that you were
       using it.                                                                                                                                            b) We will also pay the cost of emergency dental
                                                                                c) We will not pay for medical evacuation or the
                                                                                   transportation of your remains from Australia to an                         treatment which Arises from snow sport activities up
                                                                                   Overseas country.                                                           to a maximum amount of $500 per person for dental
SECTION 17 – Snow Sport Overseas                                                                                                                               costs incurred, which the treating dentist certifies in
             Emergency Medical Assistance                                       d) We will not pay for any claims Arising from the                             writing is for the relief of sudden and acute pain to
                                                                                   following snow sport activities: off-piste skiing,                          sound and natural teeth.
                                                                                   bobsleighing, snow rafting, para-penting, heliskiing,
You only have this cover if you chose Plan D.                                      ski acrobatics, ski or snowboard jumping, aerial                     Please note that we will not pay for any costs incurred
PLEASE NOTE: You will not have cover under this Policy Section while               skiing, stunting, freestyle, ski joreing and any form of             in Australia.
travelling in Australia.                                                           power-assisted skiing or use of mechanised snow-
                                                                                   mobiles, except as provided by the recognised piste
                                                                                   authorities for transport to and from areas designed                 18.2
17.1                                                                               for recreational skiing.
                                                                                                                                                        We will not pay:
Mondial Assistance will arrange for the following assistance                    e) We will not pay for any claims Arising outside the                       a) For expenses Arising from Pre-existing Medical
services if you suffer an Injury or become Sick Overseas, and                      period 15th December to 31st March in Northern                              Conditions, except as specified under the
the Injury or Sickness Arises from snow sport activities:                          Hemisphere resorts, and 15th June to 30th September                         “Pre-existing Medical Conditions” section – see
                                                                                   in Southern Hemisphere resorts.                                             pages 20 to 23.
    a) Access to a Medical Adviser for emergency medical
       treatment while Overseas.                                                                                                                            b) When you have not notified Mondial Assistance as
    b) Any messages which need to be passed on to your                      SECTION 18 – Snow Sport Overseas Emergency                                         soon as practicable of your admittance to Hospital.
       family or employer in the case of an emergency.                                   Medical & Hospital Expenses                                        c) For expenses after 2 weeks treatment by a
    c) Provision of any written guarantees for payment of                                                                                                      chiropractor, physiotherapist or dentist, unless
       Reasonable expenses for emergency hospitalisation                                                                                                       approved by Mondial Assistance.
                                                                            You only have this cover if you chose Plan D.
       while Overseas.                                                                                                                                      d) If you do not take the advice of Mondial Assistance.
                                                                            PLEASE NOTE: You will not have cover under this Policy Section while
    d) Your medical transfer or evacuation if you must be                   travelling in Australia.                                                        e) If you have received medical care under a Reciprocal
       transported to the nearest Hospital for emergency                                                                                                       National Health Scheme. Reciprocal Health
       medical treatment Overseas, or bringing you back to                                                                                                     Agreements are currently in place with Finland,
       Australia with appropriate medical supervision.                      18.1                                                                               Italy, Malta, the Netherlands, Norway, Sweden,
    e) The return to Australia of your Dependants if                            a) We will reimburse the Reasonable medical or                                 the Republic of Ireland, United Kingdom and New
       they are left without supervision following your                            Hospital expenses you incur until you get back to                           Zealand.
       emergency hospitalisation or evacuation.                                    Australia if you Injure yourself Overseas, or become
                                                                                                                                                            f) For expenses for damage to dentures, dental
                                                                                   Sick there, and the Injury or Sickness Arises from
If you die as a result of an Injury or Sickness that Arises from                                                                                               prostheses, bridges or crowns.
                                                                                   snow sport activities. The medical or Hospital
snow sport activities during your Journey, we will pay for the                     expenses must have been incurred on the written                          g) For expenses relating to dental treatment involving
Reasonable cost of either a funeral or cremation Overseas                          advice of a Medical Adviser. You must make every                            the use of precious metals or for cosmetic dentistry.
and/or of bringing your remains back to your Home. The                             effort to keep your medical or Hospital expenses to
maximum amount we will pay is $15,000 per person.                                  a minimum.                                                               h) For any claims Arising from the following snow
                                                                                                                                                               sport activities: off-piste skiing, bobsleighing, snow
Please note that we will not pay for any costs incurred                             If we determine that you should return home to                             rafting, para-penting, heliskiing, ski acrobatics, ski or
in Australia.                                                                       Australia for treatment and you do not agree to do                         snowboard jumping, aerial skiing, stunting, freestyle,



                                                                       48                                                                          49                                                                      50
       ski joreing and any form of power-assisted skiing or        19.2                                                                SECTION 20 – Snow Sport Equipment Hire
       use of mechanised snowmobiles, except as provided
       by the recognised piste authorities for transport to        We will not pay a claim in relation to Snow Sport Equipment
       and from areas designed for recreational skiing.            owned by you if:                                                    You only have this cover if you chose Plan B or D.

   i) For any claims Arising outside the period 15th                  a) You do not report the loss, theft or damage
      December to 31st March in Northern Hemisphere                      within 24 hours to the police or an office of the
                                                                                                                                       20.1
      resorts, and 15th June to 30th September in Southern               bus line, airline, shipping line or rail authority you
      Hemisphere resorts.                                                were travelling on when the loss, theft or damage             We will reimburse you for the costs of hiring alternative
                                                                         occurred. You must prove that you made such                   Snow Sport Equipment following:
                                                                         report by providing us with a written statement from              a) accidental loss, theft of, or damage to, Snow Sport
                                                                         whoever you reported it to.                                          Equipment owned by you, for which a claim has
SECTION 19 – Own Snow Sport Equipment                                 b) The loss, theft or damage is to, or of, Snow Sport                   been accepted by us under Policy Section 19 (Own
                                                                         Equipment left behind in any hotel or motel                          Snow Sport Equipment); or
                                                                         room after you have checked out, or Snow Sport                    b) the misdirection or delay, for a period of more than
You only have this cover if you chose Plan B or D.                       Equipment left behind in any aircraft, ship, train,                  24 hours, of Snow Sport Equipment owned by you.
                                                                         tram, taxi or bus.

19.1                                                                  c) The Snow Sport Equipment was being sent
                                                                         unaccompanied or under a freight contract.                    20.2
   a) We will pay the repair cost or value of Snow Sport
      Equipment owned by you, which is stolen or                      d) The loss or damage Arises from any process of
                                                                         cleaning, repair or alteration.                               YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE
      accidentally damaged, or is permanently lost.                                                                                    TO ALL SECTIONS” PAGES 56 TO 59 FOR REASONS WHY
       When calculating the amount payable we will                    e) The loss or damage Arises from ordinary wear                  WE WILL NOT PAY.
       apply depreciation due to age, wear and tear. The                 and tear, deterioration, atmospheric or weather
       amount of such depreciation will be determined                    conditions, insects, rodents or vermin.
       by us. No depreciation will be applied to Snow                 f) The Snow Sport Equipment was left Unsupervised in             SECTION 21 – Snow Ski Pack
       Sport Equipment purchased duty free prior to your                 a Public Place.
       departure, or Snow Sport Equipment purchased
       during your Journey.                                           g) The Snow Sport Equipment was left unattended in a             You only have this cover if you chose Plan B or D.
                                                                         motor vehicle, unless it was locked in the boot or in
       We will not pay more than the original purchase                   a Locked Storage Compartment.
       price of any item. We have the option to repair or                                                                              21.1
       replace the Snow Sport Equipment instead of paying             h) The Snow Sport Equipment was left overnight in a
       you.                                                              motor vehicle, even if it was locked in the boot or in        If, as a result of your Injury or Sickness during your Journey,
                                                                         a Locked Storage Compartment.                                 you are unable to utilise the full duration of your pre-
   b) Snow Sport Equipment owned by you and left in                                                                                    booked and pre-paid ski passes, ski hire, tuition fees or lift
      a motor vehicle is only covered during daylight                 i) You are entitled to be reimbursed by the bus line,            passes, we will reimburse you the irrecoverable cost of the
      hours and must have been locked in the boot or in                  airline, shipping line or rail authority you were             unused portion for each insured person. You must obtain
      a Locked Storage Compartment, and forced entry                     travelling on when the loss, theft or damage                  a medical certificate from a Medical Adviser in support of
      must have been made.                                               occurred. However, if you are not reimbursed the              your claim for your Injury or Sickness.
                                                                         full amount of your claim, we will pay the difference
       No cover applies if Snow Sport Equipment is left                  between the amount of your loss and what you were
       unattended in the passenger compartment of the                    reimbursed, up to the limit of your cover (allowing
       motor vehicle, or if the Snow Sport Equipment has                 for depreciation due to age, wear and tear).                  21.2
       been left in the motor vehicle overnight.
                                                                                                                                           a) We will not pay for any claims Arising from the
                                                                      j) The loss or damage is to, or of, Snow Sport
       The most we will pay if Snow Sport Equipment                                                                                           following snow sport activities: off-piste skiing,
                                                                         Equipment while it is in use.
       owned by you is stolen from the locked boot or from                                                                                    bobsleighing, snow rafting, para-penting, heli-
       a Locked Storage Compartment of an unoccupied                                                                                          skiing, ski acrobatics, ski or snowboard jumping,
       motor vehicle during daylight hours is $200 for each                                                                                   aerial skiing, stunting, freestyle, ski joreing and any
       item, and $1,000 in total for all stolen items.                                                                                        form of power-assisted skiing or use of mechanised
                                                                                                                                              snowmobiles except as provided by the recognised
                                                                                                                                              piste authorities for transport to and from areas
                                                                                                                                              designed for recreational skiing.



                                                              51                                                                  52                                                                     53
    b) We will not pay for any claims Arising outside the
       period 15th December to 31st March in Northern               23.2
       Hemisphere resorts and 15th June to 30th September              a) We will not pay unless you obtain a written
       in Southern Hemisphere resorts.                                    statement from the appropriate authority confirming
                                                                          that the reason for the delay was related to either an
                                                                          avalanche or bad weather, and how long it lasted.
SECTION 22 – Piste Closure
                                                                       b) We will not pay for any claims relating to resorts
                                                                          that do not have skiing facilities greater than 1,000
You only have this cover if you chose Plan B or D.                        metres above sea level.
                                                                       c) We will not pay for any claims Arising outside the
                                                                          period 15th December to 31st March in Northern
22.1                                                                      Hemisphere resorts and 15th June to 30th September
We will pay up to $100 per 24 hour period if, as a result of              in Southern Hemisphere resorts.
not enough snow, bad weather or power failure in your pre-
booked holiday resort, all lift systems are closed for more
than 24 hours.
We will pay for either:
    a) the cost of transport to the nearest resort; or
    b) the cost of additional ski passes.



22.2
We will not pay:
    a) We will not pay for any claims relating to resorts
       that do not have skiing facilities greater than 1,000
       metres above sea level.
    b) We will not pay for any claims Arising outside the
       period 15th December to 31st March in Northern
       Hemisphere resorts and 15th June to 30th September
       in Southern Hemisphere resorts.


SECTION 23 – Bad Weather & Avalanche Closure

You only have this cover if you chose Plan B or D.



23.1
We will pay the Reasonable extra travel and accommodation
expenses that you need to pay if your pre-booked outward
or return Journey is delayed for more than 12 hours from
your scheduled departure time because of an avalanche or
bad weather.




                                                               54                                                                  55
General Exclusions Applicable to                                        11) Your claim Arises from, is related to or associated
                                                                            with:
all Sections                                                                    •   an actual or likely Epidemic or Pandemic; or
                                                                                •   the threat of an Epidemic or Pandemic.
We will not pay under any circumstances if:                                 Refer to www.who.int and ww.smartraveller.gov.au
                                                                            for further information on Epidemics and
                                                                            Pandemics.
General
   1)   You do not act in a responsible way to protect                  12) Your claim Arises because you did not follow advice
        yourself and your property and to avoid making a                    in the mass media or any government or other
        claim.                                                              official body’s warning:

   2)   You do not do everything you can to reduce your                         •   against travel to a particular country or parts
        loss as much as possible.                                                   of a country; or

   3)   Your claim Arises from consequential loss of any
                                                                                •   of a strike, riot, bad weather, civil protest or
                                                                                    contagious disease (including an Epidemic or
        kind, including loss of enjoyment.
                                                                                    Pandemic);
   4)   At the time of purchasing the policy, you were
                                                                            and you did not take appropriate action to avoid
        aware of something that would give rise to you
                                                                            or minimise any potential claim under your policy
        making a claim under this policy.
                                                                            (including delay of travel to the country or part of
   5)   Your claim is for a loss which is recoverable by                    the country referred to in the warning).
        compensation under any workers compensation
                                                                            Refer to www.who.int and www.smartraveller.gov.au
        or transport accident laws, government sponsored
                                                                            for further information.
        fund, plan, or medical benefit scheme, or any other
        similar type of legislation required to be effected by          13) Your claim Arises from any act of war, whether war
        or under a law.                                                     is declared or not, or from any rebellion, revolution,
                                                                            insurrection or taking of power by the military.
   6)   Your claim Arises from errors or omissions in any
        booking arrangements, or failure to obtain the                  14) Your claim Arises from a nuclear reaction
        relevant visa, passport or travel documents.                        or contamination from nuclear weapons or
                                                                            radioactivity.
   7)   Your claim Arises because you act illegally or break
        any government prohibition or regulation including              15) Your claim Arises from biological and/or chemical
        visa requirements.                                                  materials, substances, compounds or the like used
                                                                            directly or indirectly for the purpose to harm or to
   8)   Your claim Arises from a government authority
                                                                            destroy human life and/or create public fear.
        confiscating, detaining or destroying anything.
                                                                      Medical
   9)   Your claim Arises from being in control of a
        Motorcycle without a current Australian motorcycle              16) Your claim Arises from, is related to or associated
        licence, or you are a passenger travelling on a                     with any Pre-existing Medical Condition, except as
        Motorcycle that is in the control of a person who                   provided under the section “Pre-existing Medical
        does not hold a current motorcycle licence valid for                Conditions” (pages 20 to 23), Policy Section 1.1(d)
        the country you are travelling in.                                  (page 31) and Policy Section 4.1(e) (page 36).

   10) Your claim Arises from being in control of a Moped               17) You take a blood-thinning prescription medication
       or Scooter without a current Australian motorcycle                   such as Warfarin (also known under the brand
       or drivers licence, or you are a passenger travelling                names Coumadin, Jantoven, Marevan, and Waran).
       on a Moped or Scooter that is in the control of a                18) Your claim is in respect of travel booked or
       person who does not hold a current motorcycle                        undertaken against the advice of any Medical
       or drivers licence valid for the country you are                     Adviser.
       travelling in.
                                                                        19) Your claim Arises from any Injury or Sickness where
                                                                            a metastatic or terminal prognosis was made prior
                                                                            to the issue of the Certificate of Insurance.




                                                                 56                                                                    57
20) Your claim Arises out of pregnancy, childbirth or             Sports And Leisure
    related complications.                                          30) Your claim Arises because you hunt, race (other than
21) Your claim involves a hospital where you are being                  on foot), engage in Open Water Sailing, play polo,
    treated for addiction to drugs or alcohol, or are                   go mountaineering or rock climbing using ropes or
    using it as a nursing, convalescent or rehabilitation               climbing equipment (other than for hiking), from
    place.                                                              professional sport of any kind or from parachuting
                                                                        or hang gliding.
22) Your claim involves the cost of medication in use
    at the time the Journey began, or the cost for                  31) Your claim Arises because you dive underwater
    maintaining a course of treatment you were on                       using an artificial breathing apparatus, unless you
    prior to the Journey.                                               hold an open water diving licence issued in Australia
                                                                        or you were diving under licensed instruction.
23) Your claim Arises from or is in any way related
    to depression, anxiety, stress, mental or nervous               32) Your claim Arises from travel in any air-supported
    conditions.                                                         device, other than as a passenger in a fully licensed
                                                                        aircraft operated by an airline or charter company.
24) Your claim Arises from suicide or attempted suicide.                This exclusion does not apply to regulated or
25) Your claim Arises from a sexually transmitted                       licensed ballooning.
    disease.                                                        33) Your claim Arises from snow sport activities, except
26) You were under the influence or addicted to                          as provided for under Plan B (Domestic) or Plan
    intoxicating liquor or drugs, except a drug                         D (Snow Cover), and your Certificate of Insurance
    prescribed to you by a Medical Adviser, and taken in                shows that you have purchased cover under Plan B
    accordance with their instructions.                                 or Plan D.
27) Despite their advice otherwise following your call to
    Mondial Assistance, you received private hospital or
    medical treatment where public funded services or
    care is available in Australia or under any Reciprocal
    Health Agreement between the Government of
    Australia and the government of any other country.
28) Your claim Arises from any medical procedures in
    relation to AICD/ICD insertion during Overseas
    travel. If you, your Travelling Companion or a
    Relative (as listed on your Certificate of Insurance)
    requires this procedure, due to sudden and acute
    onset which occurs for the first time during your
    period of cover and not directly or indirectly related
    to a Pre-existing Medical Condition, we will exercise
    our right to organise a repatriation to Australia for
    this procedure to be completed.
29) Your claim Arises from or is any way related to the
    death or hospitalisation of any person aged 85
    years and over, regardless of the country in which
    they may live.




                                                             58                                                                 59
Claims                                                                  Depreciation                                                          Recovery
                                                                        Depreciation will be applied to claims for Luggage and                We will apply any money we recover from someone else
                                                                        Personal Effects at such rates as reasonably determined by            under a right of subrogation in the following order:
                                                                        us.
How to make a claim                                                                                                                              1)   To us, our administration and legal costs Arising
You must give us notice of your claim as soon as                        You must help us to recover any money we have paid                            from the recovery
possible by completing a claim form (available from                     If we have a claim against someone in relation to the money              2)   To us, an amount equal to the amount that we paid
www.travelclaims.com.au/fastcover), and posting it to the               we have to pay under this policy, you must do everything                      to you under the policy
address shown on the claim form. If the claim form is not               you can to help us do that in legal proceedings. If you are              3)   To you, your uninsured loss (less your Excess)
fully completed by you, we cannot process your claim and                aware of any third party that you or we may recover money
we can reduce your claim by the amount of prejudice we                  from, you must inform us of such third party.                            4)   To you, your Excess
have suffered because of the delay.                                                                                                           Once we pay your total loss we will keep all money left over.
                                                                        If you can claim from anyone else, we will only make up
You must:                                                                                                                                     If we have paid your total loss and you receive a payment
                                                                        the difference
                                                                                                                                              from someone else for that loss or damage, you must pay
    •   give us any information we reasonably ask for to                If you can make a claim against someone in relation to a              us the amount of that payment up to the amount of the
        support your claim at your expense, such as, but not            loss or expense covered under this policy and you do not              claim we paid you.
        limited to, police reports, valuations, medical reports,        get paid the full amount of your claim, we will make up the
        original receipts or proof of ownership. If required,           difference. You must claim from them first.                            If we pay you for lost or damaged property and you later
        we may ask you to provide us with translations into                                                                                   recover the property or it is replaced by a third party, you
        English of such documents to enable us to carry out             Other insurance                                                       must pay us the amount of the claim we paid you.
        our assessment of your claim.                                   If any loss, damage or liability covered under this policy            Business travellers – how GST affects your claim
    •   co-operate with us at all times in relation to the              is covered by another insurance policy, you must give us
                                                                                                                                              If you are entitled to claim an input tax credit in respect of
        provision of supporting evidence and such other                 details. If you make a claim under one insurance policy
                                                                        and you are paid the full amount of your claim, you cannot            a cost for which a claim is made, or would be entitled to an
        information as we may reasonably require.
                                                                        make a claim under the other policy. If you make a claim              input tax credit if you were to incur the relevant cost (i.e.
    •   for medical, Hospital or dental claims – contact
                                                                        under another insurance policy and you are not paid the full          in replacing a lost or stolen item), the amount we would
        Mondial Assistance as soon as possible.                                                                                               otherwise pay will be reduced by the amount of that input
                                                                        amount of your claim, we will make up the difference. We
    •   for loss or theft of your Luggage and Personal Effects          may seek contribution from your other insurer. You must               tax credit.
        – report it immediately to the police and obtain a              give us any information we reasonably ask for to help us              Travel within Australia only
        written notice of your report.                                  make a claim from your other insurer.
                                                                                                                                              If you are entitled to claim an input tax credit in respect of
    •   for damage or misplacement of your Luggage and                  Subrogation                                                           your premium, you must inform us of the amount of that
        Personal Effects caused by the airline or any other                                                                                   input tax credit (as a percentage) at the time you first make
        operator or accommodation provider – report the                 We may at our discretion, undertake in your name and
                                                                        on your behalf, control and settlement of proceedings                 a claim. If you fail to do so, you may have a liability for GST
        damage or misplacement to an appropriate official                                                                                      if we pay you an amount under this policy.
        and obtain a written report, including any offer of             for our own benefit, to recover compensation or secure
        settlement that they may make.                                  indemnity from any party in respect of anything covered by            Fraud
                                                                        this policy. You are to assist and permit to be done, all acts
    •   submit full details of any claim in writing within 30           and things as required by us for the purpose of recovering            Insurance fraud places additional costs on honest
        days of your return.                                            compensation or securing indemnity from other parties                 policyholders. Fraudulent claims force insurance premiums
                                                                        to which we may become entitled or subrogated upon us                 to rise. We encourage the community to assist in the
Claims are payable in Australian dollars to you                                                                                               prevention of insurance fraud. You can help by reporting
                                                                        paying your claim under this policy, regardless of whether
We will pay all claims in Australian dollars. We will pay you           we have yet paid your claim, and whether or not the                   insurance fraud by calling Mondial Assistance on
unless you tell us to pay someone else. The rate of currency            amount we pay you is less than full compensation for your             1800 453 937. All information will be treated as confidential
exchange that will apply is the rate at the time you incurred           loss. These rights exist regardless of whether your claim is          and protected to the full extent under law.
the expense.                                                            paid under a non-indemnity or an indemnity clause of this
                                                                        policy.
You must not admit fault or liability
In relation to any claim under this policy, you must not
admit that you are at fault and you must not offer or
promise to pay any money or become involved in litigation
without our approval.




                                                                   60                                                                    61                                                                     62
Recommendations for your safety
and wellbeing

Before you travel:
    •   make sure you are familiar with the terms and
        conditions of your policy as set out in this PDS,
        your Certificate of Insurance and any endorsements
        issued to you.
    •   if you have – or have had – medical conditions, make
        sure:
           -   you have a full check up with your treating
               doctor,
           -   you obtain enough medication for your
               Journey, and
           -   review the “Pre-existing Medical
               Conditions” section of this Product Disclosure
               Statement – before you travel, you need to be
               sure what conditions you have cover for.
    •   see your local doctor for recommended vaccinations
        before travelling.
    •   tell family members about your travel plans.
    •   give family members a copy of your itinerary and
        your travel insurance policy.
    •   check www.smartraveller.gov.au for travel advice and
        warnings before you buy your policy.
    •   obtain all appropriate visas, including transit visas –
        see www.dfat.gov.au/visas.

Safeguarding your Luggage and Personal Effects
You must take all reasonable precautions to safeguard your
Luggage and Personal Effects. If you leave your Luggage
and Personal Effects Unsupervised in a Public Place, then we
will not pay your claim.
For an explanation of what we mean by “Luggage and
Personal Effects”, “Unsupervised” and “Public Place”, see
pages 7 to 9.




                                                                  63
Effective 20 October 2010

				
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