Do I have to pay anything if I make a claim?
You may need to pay an excess if you have to make a claim.
For policies purchased BEFORE you have departed Australia:
The excess on claims depends on the Standard Excess level you chose at the time that you purchased your policy. You can choose between $200, $100 or $0 Standard Excess. It may also depend on the section of the policy you make a claim under.
For policies purchased AFTER you have already left Australia:
The excess for already overseas policies is $500. It is NOT possible to reduce or remove this excess.
Medical Excess:
For travellers aged 80 - 89, a $2,000 medical excess applies for all claims arising from, related to or associated with an injury or sickness.
It is NOT possible to reduce or remove the medical excess for travellers aged 80 - 89.
For more information, refer to our Product Disclosure Statement (PDS).