When is my policy valid?

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