What is 'Delay of Luggage and personal effects' cover?

This benefit reimburses you for expenses you incur if you have to purchase essential items of clothing and personal items because your luggage is delayed, misdirected or misplaced by your carrier for more than 12 hours while you are on your overseas trip.

For example: Tooth brush and pajamas.

Note:

• You only have this cover if you chose the Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies.
• You only have this cover if your carrier does not provide compensation
• You will not have cover under this Benefit of the Product Disclosure Statement (PDS) while traveling in Australia.
• You will not have cover under this Benefit for the final leg of your trip home.

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