Do I have to wait until I am back in Australia to submit a claim?

No, you don’t need to wait until you’re back home. You can submit a claim while you’re still overseas or once you’ve returned to Australia. 

If you’re overseas, our claims consultants can email claim forms to you, but you’ll still need to send in copies of your supporting documents (like receipts) by post. Where required, our claims team may request for the original versions of your supporting documents.  A simpler option is to submit an online claim anytime through our claims page.  

Keep in mind that an excess may apply to each claimable event. This means the excess will be deducted from your total claim amount, which reduces the final payout.