Can I take out a Frequent Traveller Saver policy for trips overseas, where I am not coming home in between the trips?
Frequent Traveller Saver policies allow you to choose from a maximum period of 15 days, 25 days, 40 days or 63 days for each trip.
Trip is defined in our policy wording, and means “for all policies other than policies purchased while you are overseas, the time when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home, provided however that for Domestic Plus policies you must be more than 200 kms from your home.”
Frequent Traveller Saver policies allow you to take an unlimited number of trips in a 12 month period, however, as per the above requirements, each trip begins when you leave your home to go directly to the place you depart from on your travels and ends when you return home, therefore requiring you to return home in between trips.
If you have a Frequent Traveller Saver policy and remain overseas for longer than the maximum duration that you have chosen for each trip, you will not have cover for any claims that arise outside of the timeframe that you have chosen to have cover.
If you plan to be overseas for longer than the duration that you have chosen, you can:
- Upgrade your Frequent Traveller Saver policy to a longer duration (but for no longer than a 12 month period); OR
- Purchase a Single trip policy for the additional days by paying an additional premium
Note:
- Frequent Traveller Saver Policies are not eligible for purchase under any circumstance if you are already overseas
- Cruise cover is included with Frequent Traveller Saver policies
- Cover for snow sports is not included with Frequent Traveller Saver policies. If one of your international trips involves snow sports, you will need to take out a separate Single trip Snow Sports Plus policy for that particular trip.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).