What are my choices regarding cover for my holiday?

Under the policy, you choose the cover you require based on your travel arrangements and your cover type depends on the type of cover you want and are eligible to purchase.

1) You can choose one of the following cover types:

Single

Covers you and your dependants travelling with you. Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.

Duo

Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.

* Except for Benefit 19 - Rental Vehicle Excess

Family

Covers you, your spouse or partner, and dependant children travelling with you. Dependant children may be your children or your grandchildren.

The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.

* The benefit limit is not doubled for the following benefits and optional covers:

* Benefit 13 - Theft of Cash

* Benefit 18 - Personal Liability

* Benefit 19 - Rental Vehicle Excess

* Benefit 23 - Snow Resort Closure

* Benefit 26 - Bicycle Pack

2) Policies and Optional Covers you can purchase

Comprehensive & Standard Saver

Available to travellers of all ages if purchased before departing Australia.

Available to travellers aged 74 years and under at time of purchase if purchased after departing Australia.

Basics

Available to travellers of all ages if purchased before departing Australia.

Domestic Plus

Available to travellers of all ages.

Snow Sports Plus

Available to travellers aged 69 years and under at time of purchase.

Frequent Traveller Saver

Available to travellers aged 64 years and under at time of purchase.

Adventure Pack

Available to travellers aged 74 years or under at time of purchase (Check Product Disclosure Statement (PDS) for eligible policy types).

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