Can I buy a policy?

Cover is only available if:

For Australian citizens and permanent residents of Australia, if:

• You currently reside in Australia; and 
• You hold a valid Australian Medicare card beyond the period of your policy; and
• You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
• Your trip starts and ends in Australia; and
• You meet any other eligibility criteria we apply in the application process.

For temporary residents of Australia, cover is available if:

• You are a non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance policy that satisfies the government health insurance requirements for your visa type and remains valid beyond the period of your policy; and
• Your visa remains valid beyond the period of your return; and You have a home in Australia to which you intend to return; and
• Your trip starts and ends in Australia; and 
• You hold a return ticket to Australia; and
• You meet any other eligibility criteria we apply in the application proces

For travellers already overseas:

• You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and
• You are an Australian citizen or permanent resident normally residing in Australia. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing Australia); and
• You hold a valid Australian Medicare card; and
• You have a home to which you intend to return; and
• Your trip ends in Australia; and
• You are aged 65 years and under at time of purchase; and
• You declare to us at the time of purchase that you are already overseas; and
• We agree to issue you a policy and specify your status as already overseas in the Certificate of Insurance.

Conditions for Already Overseas policies:

• You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas. 
• Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia. 
• Policies purchased while you are already overseas are subject to: 
  • A 48-hour no-cover period applies to all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy). 
  • A $500 excess for all claims. 

Note:

• In the event of a medical repatriation from overseas, we will return you to Australia. 
• Medical expenses incurred once you have returned to Australia are not covered on this policy. 
• It is therefore important that you ensure you have access to long term medical care in Australia.
• If you are not an Australian resident or do not satisfy the above conditions, you cannot buy a Travel Insurance policy. If you do, we will rely on your failure to adhere to your duty not to make a misrepresentation and we may deny your claim. You can contact The Insurance Council of Australia, who may be able to give you a list of travel insurers who may be able to provide you with cover.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).