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 traveller and their dependants travelling with them. Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the certificate of insurance. |
| Duo |
Covers traveller and another person they are travelling with on the same itinerary for at least 75% of the trip who is listed in the certificate of insurance. No cover is provided for dependants. We issue one certificate of insurance, however, both persons have cover as if they are each insured under separate policies with Single benefit limits* per insured person. * Except for Benefit 19: Rental Vehicle Excess |
| Family |
Covers traveller and their spouse or partner or son and daughter who are travelling together for at least 75% of the trip itinerary, and dependant children travelling with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. Dependant children may be the relevant adult’s children or grandchildren. The benefit limits for Family Policies are equal to double the Single policy benefit limit (except for as listed below) 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 aged 89 and under 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 aged 89 and under 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 75 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). |
Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS).