How long am I covered for?

The period you are insured for is set out in the Certificate of Insurance and varies depending on the length of your trip and the policy type that you have purchased.

If you have purchased your policy before you departed Australia:

For Comprehensive, Snow Sports Plus and Standard Saver policies:

  • The cover for Benefit 5: Trip Cancellation Expenses begins from the time the policy is issued.
  • Cover for all other benefits begins on the date of departure as stated on your Certificate of Insurance and ends on your return date.

For Basics policies:

  • Cover for all benefits begins on the date of departure as stated on your Certificate of Insurance and ends on your return date.

For Frequent Traveller Saver policies:

  • The cover for Benefit 5: Trip Cancellation Expenses begins from the start date as specified on your Certificate of Insurance.
  • Cover for all other benefits begins on the date of departure for each trip and ends on your return date.

If your policy was purchased while you are already overseas:

There is no cover under any benefit for the first 48 hours from the time the policy is issued. This is your “waiting period”.  This means there is no cover arising from events that happen within the waiting period.  Cover for all benefits begins immediately following your waiting period and ends on your return date.

For all policies:

  • Cover ends on the date of return set out on your Certificate of Insurance, or the time the policy otherwise ends in accordance with its terms, whichever happens first. The state listed on your Certificate of Insurance determines the time zone we use to determine your policy's purchase date, departure date and end date.
  • If you return home early for any reason, cover from your policy will be suspended from the time you return to your home until the time you leave your home to continue your trip. You must have 14 days remaining of the period of insurance as noted on your Certificate of Insurance. Following the resumption of your trip your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first. We will not pay any costs in relation to your return to Australia unless the costs are covered by this policy.

For more information, refer to our  Product Disclosure Statement (PDS).