If I temporarily return home during the period of my policy, what am I covered for?

If you have the Comprehensive, Standard Saver, Frequent Traveller Saver and Snow Sports Plus policy and your return home is not due to something that you can claim for under your policy:

• You have provision to claim for unexpected medical expenses and lost luggage and personal effects during your return trip to Australia and on the resumption of your overseas trip; 
• You have provision to claim under the Cancellation benefit If you are still in Australia and unable to resume your overseas trip due to an unexpected sickness or injury.

If you have the Basics policy and your return home is not due to something that you can claim for under your policy: 

• You have provision to claim for unexpected medical expenses during your return trip to Australia.

If your return home is due to something that you can claim for under your policy:

• You have provision to claim for expenses as per the policy type that you have purchased..

Note:

• There is no provision to claim for luggage delay for the final return leg of your return to Australia.
• There is no cover for medical expenses during the time that you are in Australia.

For more information, refer to our Product Disclosure Statement (PDS).