When is my policy valid?

Your travel insurance policy is valid for the dates shown on your Certificate of Insurance. Cover begins on your policy start date and ends on your return date, unless it is ended earlier (for example, if you permanently return home). Some benefits, such as cancellation cover, may start from the day your policy is issued. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.