Our Product Disclosure Statement
This policy document is also a Product Disclosure Statement (PDS). A PDS is document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy.

About the Available Covers
You can choose one of these 3 covers:
Full Cover (includes benefit sections 1-18)
Australia Only Cover (includes benefit sections 1, 5, 6, 8, 13, 15, 17 & 18)
Cancellation Cover (includes benefit section 1 only)

Understanding your policy and its important terms and conditions
To properly understand this policy's significant features, benefits and risks you need to carefully read:

• About each of the available types of cover and benefits in the "summary of benefits" and the relevant sections of the policy wording applicable to the cover you choose (remember that certain words have special meanings - see "words with special meanings");
• When "we will not pay" a claim under each policy section applicable to the cover you choose and "general exclusions all sections (this restricts the cover and benefits);
• "claims" (these set out certain obligations that you and we have. If you do not meet them we may be able to refuse to pay a claim);and
• "important matters"(this contains important information on your duty of disclosure, how the duty applies to you and what happens if you breach the duty, pre-existing medical conditions cover exemptions, your cooling off period/money back guarantee, confirmation of your cover, our privacy policy and our dispute resolution process, extension of your policy, your policy excess, when you can choose your own doctor and when you should contact us concerning 24 hour medical assistance, overseas hospitalisation or medical evacuation.)

When you apply for the policy by completing your online application, we will confirm with you on things such as: the period of insurance and your premium. These details are recorded in the Certificate of Insurance we issue to you.
The base premium we charge varies according to your risk profile (e.g. the cover type selected, the destination you are travelling to, the period of your journey, other persons to be insured etc).
You will also have to pay any compulsory government charges (e.g. Stamp Duty and GST) where applicable. We tell you the total amount payable when you apply and if you effect cover, the amounts due will be confirmed in your Certificate of Insurance.
This policy sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.
You should also read "claims" to understand how GST is applied to a claim.
If you have any queries, want further information about the policy or want to confirm a transaction, please use the Client Services contact details at the back of this policy document.

Relationship with our Insurer
ETI Australia Pty Ltd, a company of the Mondial Assistance Group, AFS Licence No. 245631, ABN 52 097 227 177, is authorised by the insurer Allianz Australia Insurance Limited, AFS Licence No. 234708, ABN 15 000 122 850 (Allianz), to enter into and arrange the policy and deal with and settle any claims under it, as the agent of the insurer, not as your agent.
Cooling Off Period/Money Back Guarantee
Even after you have purchased your policy, you have cooling off period/money back guarantee rights (see "important matters" for details).
Updating the PDS
Information on the PDS may need to be updated from time to time. You can obtain a paper copy of any updated information without charge by using the Client Services contact details at the back of this policy document. If the update is to correct a misleading or deceptive statement or an omission, that is materially adverse from the point of view of a reasonable person deciding whether to acquire this policy, we will provide you with a new PDS or a supplementary PDS.

ONLINE TRAVEL INSURANCE POLICY DOCUMENT

About this policy document
This is your policy document. It sets out the cover available and the standard terms and conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs. In particular, read the Important Matters section below.
How to take out your policy
Once you have selected your plan and level of cover, paid the premium shown and we agree to provide cover, we will give you a Certificate of Insurance, which will entitle you to claim under the policy up to the relevant amounts for which you are covered.
The Certificate, this policy document and any written endorsements issued by us, make up your agreement (policy) with the insurer. If you are satisfied with the cover please retain these documents in a safe place.
Who is the insurer
Online Travel Insurance is underwritten by Allianz 2 Market St Sydney. It is the insurer and it is referred to as "we", "our" and "us"in this policy document.
Who is ETI Australia
ETI Australia Pty Ltd, a company of the Mondial Assistance Group, AFS Licence No. 245631, ABN 52 097 227 177, is authorised by the insurer to enter into and arrange the policy and deal with and settle any claims under it, as agent of the insurer, not as your agent.
Who is Mondial Assistance
Mondial Assistance has been appointed to administer all emergency assistance services and benefits of this insurance. You may contact Mondial Assistance in an emergency 24 hours a day, 7 days a week. ETI Australia Pty Ltd is a company of the Mondial Assistance Group.

UNDER YOUR POLICY THERE ARE RIGHTS AND RESPONSIBILITIES WHICH YOU AND WE HAVE. YOU MUST READ THIS POLICY IN FULL FOR MORE DETAILS, BUT HERE ARE SOME YOU SHOULD BE AWARE OF:

DUO COVER
If you are travelling with another person who is over 21 years of age, you can save on your premium by selecting the Duo cover where the Duo premium rate applies. Unlike Family cover, you are both covered as if you are insured under separate policies with Single Plan benefits per insured person.

PRE-EXISTING MEDICAL CONDITIONS COVER
You are not covered at all for any claim you make which arises from a pre-existing medical condition suffered by:

• You or a member of your travelling party
• Any other relative, unless that relative is hospitalised or dies in Australia, after the policy is issued and at the time of policy issue you were unaware of the likelihood of such hospitalisation of death. The most we will pay in respect of all claims under all sections of the policy is $2,000 for a Single Plan, $2,000 per person for a Duo Plan and $4,000 for a Family Plan.

COOLING OFF PERIOD/MONEY BACK GUARANTEE
If you decide that you do not want this policy, you may cancel it within 14 days after the issue of the policy wording to you and you will be given a full refund of the premium you paid, provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy. After this period you can still cancel your policy but we will not refund any part of your premium if you do.

CONFIRMATION OF COVER
To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), call our Helpline 1800 010 078.

YOUR DUTY OF DISCLOSURE
Before you enter into this policy with us, the Insurance Contracts Act 1984 requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your insurance.
You will be asked various questions when you first apply for your policy. When you answer these questions, you must:

• give us honest and complete answers;
• tell us everything you know; and
• tell us everything that a reasonable person in the circumstances could be expected to tell us.

If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which:

• you know; or
• a reasonable person in the circumstances could be expected to know, is relevant to our decision whether to insure you and whether any special conditions need to apply to your policy.

You do not need to tell us about any matter that:

• diminishes our risk;
• is of common knowledge;
• we know or should know as an insurer; or
• we tell you we do not need to know.

Who does the duty apply to?
Everyone who is insured under the policy must comply with the relevant duty.

What happens if you or they breach the duty?
If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.

GENERAL INSURANCE CODE OF PRACTICE AND DISPUTE RESOLUTION PROCESS
We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry.
For more information on the Code, or if you have an enquiry or complaint relating to your policy insurance contact our Client Services Department.
Our enquiries and complaints manager, who has an independent decision making authority, will normally consider any complaint within 15 business days. If this does not resolve the matter, or you are not satisfied with the way the complaint has been dealt with, you may write to the industry's independent external complaints scheme: Insurance Enquiries and Complaints Ltd, PO Box 561, Collins Street West, Melbourne Vic 8007.

IN THE EVENT OF A CLAIM:
IMMEDIATE NOTICE
should be given to:
Client Services Department
Phone number within Australia: 1300 725 154
Overseas Emergency Number: +800 7997 4000 PO Box 162 Toowong Qld 4066
Email: travelclaims@worldcare.com.au

Please Note: For claims purposes, evidence of the value of the property insured or the amount of any loss should be kept.

CLAIMS SERVICE GUARANTEE
Your claim will be processed within 10 working days of us receiving a completed claim form and all necessary documentation. If we need additional information, a written request will be sent to you within 10 working days.

PRIVACY NOTICE
Any personal information you provide is used by us and our agents to arrange your travel insurance and administer your and our rights and obligations in relation to it, including claims.
This information may be disclosed to third parties involved in the above process, such as travel consultants, reinsurers, claims handlers, health and help service providers and our related companies. The use and disclosure of such personal information provided to third parties will be limited to the specific purpose for which it was supplied.
When you give personal information about other individuals, we rely on you to have made or make them aware:

• that you will or may provide their information to us;
• the types of third parties to whom the information may be provided;
• the relevant purposes we and the third parties will disclose it to, will use it for; and
• how they can access it.

If it is sensitive information we rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us before you provide the relevant information.
You can seek access to and correct your personal information by contacting our Client Services Department. If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy.

EXTENSION OF YOUR POLICY
See Your Period of Cover. You may extend your policy if you find that your return to Australia has been delayed because of one or more of the following:

• If a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage, is delayed; or
• If the delay is due to a reason for which you can claim under your policy, cover will be extended free of charge subject to our approval.

If the delay is for any other reason, you must request the extension at least 7 days before your original policy expires and we must agree to this.
An extension of cover is not provided for Pre-existing Medical Conditions, or for any conditions you suffered during the term of your original policy or if you are over 75 years of age at time of extension, or where you have not advised us of any circumstances that have or may give rise to a claim under your original policy.
We will not extend cover beyond the maximum term of cover.

YOU CAN CHOOSE YOUR OWN DOCTOR
You are free to choose your own medical adviser or we can appoint an approved medical adviser to see you, unless you are treated under a reciprocal health agreement. You must, however, advise Mondial Assistance of your admittance to hospital or your early return to Australia based on medical advice.
If you do not get the medical treatment you expect, Mondial Assistance can assist you but we (the Insurer) and the agent of the insurer, are not liable for anything that results from that.

OVERSEAS HOSPITALISATION OR MEDICAL EVACUATION
For emergency assistance anywhere in the world at any time, Mondial Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.
If you are hospitalised you, or a member of your travelling party, MUST contact Mondial Assistance as soon as possible. If you do not, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us.
If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000 you MUST contact Mondial Assistance.

EXCESS
No Excess applies to any part of your policy.

SOME WORDS IN YOUR POLICY THAT HAVE SPECIAL MEANINGS ARE DEFINED HERE.
"Arises or Arising" means directly or indirectly arising or in any way connected with.
" Excess" means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.
"Home" means the place where you normally live in Australia.
"Hospital" means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.
"Injure" or "Injured" or "Injury" means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.
"Locked Storage Compartment" means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a station wagon, hatchback, van or motorhome.
"Luggage/Personal Effects" means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any things you take for business purposes, or that you intend to trade.
"Medical adviser" means a qualified doctor of medicine or dentist registered in the place where you received the services.
"Normally earn" means:

• If you are an employee, your average weekly base rate after tax over the 12 months before your journey began.
• If you are not an employee, your average weekly income from personal exertion after deducting income and all tax deductible expenses over the twelve months before your journey. However, if you haven't been working continuously for that period, it means the average for the time you were working continuously.

"Open Water Sailing" means sailing more than 10 nautical miles off any land mass.
"Pre-existing medical condition" means:

• an ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that has been investigated by a medical adviser, dentist, chiropractor or physiotherapist; or
• a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 90 days before you purchased your policy; or
• pregnancy.

Note: This definition applies to you, your travelling companion or any relative.

"Public place" means any place that the public has access to, including but not limited to hotels, hotel foyers and grounds, restaurants, air or bus terminals, stations, taxis, wharves, private carparks and beaches.
"Reasonable" means, for medical or dental expenses, the standard level of care given in the country you are in OR, for other expenses, the standard level you have booked for the rest of your journey OR, as determined by us.
"Relative" means any of the following who are under the age of 85 years and who are resident in Australia: fiancé, fiancée, spouse, legally recognised de facto, parent, parent-in-law, son, daughter, daughter-in-law, son-in-law, stepson, stepdaughter, sister, sister-in-law, brother, brother-in-law, grandchild, grandparent, step-parent, or guardian.
"Sick" or "sickness" means a medical condition, not being an injury, which first occurs during your period of cover.
"Travelling Companion" means a person who made arrangements to travel with you for at least 75% of your journey before you entered into your policy.
"Unsupervised" means:

• leaving your luggage with a person you have not previously met.
• leaving it in a position where it can be taken without your knowledge.
• leaving it at such a distance from you that you are unable to prevent it being taken.

"We", "Our" & "Us" means the insurer of your policy, Allianz Australia Insurance Limited, through its agent ETI Australia Pty Ltd, a company of the Mondial Assistance Group.
"You" and "your" in your policy means the person(s) whose name(s) are set out on your Certificate of Insurance and everyone else who is covered under your policy.
"Your journey" means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home.

Your Choices
Under the policy, you choose the cover you require based on your travel arrangements:

• Whether you want the Single, Duo or Family cover - this depends on who you want to be insured; and
• Whether you want Full Cover Worldwide, Europe/Asia, Pacific; Full Cover - Australia; Cancellation Only, this depends on the type of cover you want.

Cover Type
You can choose one of the following cover types:
Single plan - Covering you and your dependant children under 21 (limited to 2 children) travelling with you listed as covered on your Certificate of Insurance.
Duo plan - Covering you and your travelling companion listed as covered on your Certificate of Insurance and intending to travel with you on your journey. Duo Cover does not provde cover for dependent children.
We issue one Certificate of Insurance. You are both covered as if you are each insured under separate policies with single cover benefits per insured person.
Family plan - Covering you and the members of your family who go with you on your journey listed as covered on your Certificate of Insurance.
The only members of your family who can be included are your spouse, your legally recognised de facto, your children and your grandchildren. However, all children and grandchildren must be dependant and under 21.
The limits on your cover for family plans apply to the total of all claims combined made by you and/or members of your family under the policy, whether the claim is in respect of you or any member of your family covered under the family plan.
Plan Benefits
Cover for Full Cover for any loss that you suffer must occur in the geographical area that applies to the plan selected by you.
However, stopovers of 2 nights outside of your selected geographical area are permitted.
Full Cover Worldwide, Europe/Asia, Pacific cover the Benefit types detailed in:
Sections 1 to 18.
Full Cover -Australia Only covers the Benefit types detailed in:
Section 1 • cancellation fees and lost deposits
Section 5 • additional accommodation & travel expenses
Section 6 • other people's additional expenses
Section 8 • accidental death
Section 13 • luggage/personal effects
Section 15 • travel delay/disruption of journey
Section 17 • personal liability
Section 18 • rental vehicle
Cancellation Only covers the Benefit detailed in
Section 1• cancellation fees and lost deposits

Your period of cover
You are not covered until we issue a Certificate of Insurance. That Certificate forms part of the policy. The period you are insured for is set out in the Certificate.
However:

• the cover for cancellation fees and lost deposits begins from the time the policy is issued;
• the cover for all other events applies during the period set out on your Certificate

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific; Full Cover-Australia; or Cancellation Only.
1.1 WE WILL PAY

• We will pay your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your journey is cancelled or shortened at any time through circumstances neither expected nor intended by you or outside your control.
• In relation to travel agents' cancellation fees, we will reimburse up to $500 or 10% of the cost of that part of the journey arranged by the travel agent, whichever is the lesser.
• We will pay you for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following cancellation of your air ticket, if you cannot recover the lost points from any other source. The cancellation must be due to unforseen circumstances outside of your control.

We calculate the amount we pay you by multiplying:
• The cost of any equivalent class airline ticket based on the quoted retail price at the time the ticket was issued, less your financial contribution;
• By the total value of points lost divided by the total value of points used to obtain the ticket.

The most we will pay under this section for all claims combined is
For Full Cover:
For the Single Plan - Unlimited (Maximum benefit)
For the Duo Plan - Unlimited (Maximum benefit per person)
For the Family Plan - Unlimited (Maximum benefit)

For Cancellation Cover:
Up to the total value of the insured holiday.

1.2 WE WILL NOT PAY
We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, abandoned or shortened. Nor will we pay if your cancellation fees or lost deposits arise because of:

• The death or sickness of your travelling companion or relative, if the death or sickness is as a result of a preexisting medical condition.
• You or your travelling companion changing plans.
• Any business, financial or contractual obligations.
• Prohibition or regulation by any Government.
• A tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.
• Delays or rescheduling by an airline, bus line, shipping line or rail authority.
• The financial collapse of any transport, tour or accommodation provider.
• The mechanical breakdown of any means of transport.

You must check General Exclusions for other reasons why we will not pay.

• Access to a medical adviser for emergency medical treatment whilst overseas.
• Any messages which need to be passed on to your family or employer in the case of an emergency.
• Provide any written guarantees for payment of reasonable expenses for emergency hospitalisation whilst overseas.
• Your medical transfer or evacuation if Mondial Assistance advises that you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision.
• For the return to Australia of your dependant children if they are left without supervision following your hospitalisation or evacuation.

If you die as a result of an injury or a sickness during your journey, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your usual home in Australia. The maximum amount we will pay is $15,000 for all claims combined.
The most we will pay under this section for all claims combined made under items a. - e. above is:
For the Single Plan - Unlimited (Maximum benefit)
For the Duo Plan - Unlimited (Maximum benefit per person)
For the Family Plan - Unlimited (Maximum benefit)

2.2 WE WILL NOT PAY

• We will not pay for any expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by Mondial Assistance.
• We will not pay if you decline to promptly follow the medical advice of Mondial Assistance, we will not be responsible for subsequent medical, hospital or evacuation expenses.
• We will not pay for medical evacuation or the transportation of your remains from Australia to an overseas country.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
3.1 WE WILL PAY
We will reimburse the reasonable medical or hospital expenses you incur until you get back to Australia if you injure yourself overseas, or become sick there.

• The medical or hospital expenses must have been spent on the advice of a medical adviser.
• You must make every effort to keep your medical or hospital expenses to a minimum. If we determine that you should return home to Australia for treatment and you do not agree to do so then we will pay you the amount which we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for.
• We will only pay for the treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

The most we will pay under this section for all claims combined is:
For the Single Plan - Unlimited (Maximum benefit)
For the Duo Plan - Unlimited (Maximum benefit per person)
For the Family Plan - Unlimited (Maximum benefit)

3.2 WE WILL NOT PAY
We will not pay for expenses:

• Arising from pre-existing medical conditions.
• When you have not notified Mondial Assistance as soon as practicable of your admittance to hospital.
• After 2 weeks treatment by a chiropractor, physiotherapist or dentist unless approved by Mondial Assistance.
• If you do not take the advice of Assistance.
• If you could have received medical care under a national health scheme of the country you need care in. Reciprocal Health Agreements are in place with the following countries: Finland, Italy, Malta, Netherlands, Norway, Sweden, Ireland, United Kingdom and New Zealand.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
4.1 WE WILL PAY
We will reimburse your reasonable expenses for emergency dental treatment if you suffer an injury to sound and natural teeth during your journey.
We will not pay you more than the following amounts under this section for all claims combined during your journey.
For the Single Plan - $2,000 (Maximum benefit)
For the Duo Plan - $2,000 (Maximum benefit per person)
For the Family Plan - $4,000 (Maximum benefit)

4.2 WE WILL NOT PAY
We will not pay for:

• We will not pay for dental treatment caused by or related to the deterioration and/or decay of teeth.
• We will not pay for preventative dental treatment.
• We will not pay for dental treatment involving the use of precious metals or for cosmetic dentistry.
• We will not pay for damage to dentures, bridges or crowns.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific; Full Cover-Australia.
5.1 WE WILL PAY
We will reimburse any reasonable additional accommodation and travel expenses if you cannot travel because of an injury or sickness which needs immediate treatment from a medical adviser who certifies that you are unfit to travel. We will also reimburse those expenses for you to be with your travelling companion if he or she cannot travel for the same reason.
In Addition;

• If you shorten your journey and return to Australia on the advice of a medical adviser approved by us, we will reimburse the reasonable cost of your return to Australia. We will only pay the cost of the fare class that you had planned to travel at.
• If, during your journey, your travelling companion or a relative of either of you dies unexpectedly, is disabled by an injury or becomes seriously sick and requires hospitalisation, we will reimburse the reasonable additional cost of your return to Australia. We will only pay the cost of the fare class you had planned to travel at.
• If you return to Australia because, during your journey, a relative of yours dies unexpectedly or is hospitalised following a serious injury or a sickness, we will reimburse you up to $3,000 for the Single Plan, $3,000 for the Duo Plan per person and $6,000 for the Family Plan towards return airfares if you are able to resume your journey, but only if more than 14 days remain of the period of your journey on your Certificate of Insurance.
• However, if you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one you left Australia on.
• Wherever claims are made by you under this section and section 1 for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.

The most we will pay under this section for all claims combined is:
For the Single Plan - $50,000 (Maximum benefit)
For the Duo Plan - $50,000 (Maximum benefit per person)
For the Family Plan - $100,000 (Maximum benefit)

5.2 WE WILL NOT PAY
We will not pay for:

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
7.1 WE WILL PAY
We will pay you $50.00 for each day you are in hospital if you are in hospital for more than 48 continuous hours while you are overseas.
However, no matter how long you are in hospital for, the most we will pay under this section for all claims combined is:
For the Single Plan - $5,000 (Maximum benefit)
For the Duo Plan - $5,000 (Maximum benefit per person)
For the Family Plan - $10,000 (Maximum benefit)

7.2 WE WILL NOT PAY
We will not pay for:

• We will not pay for the first 48 continuous hours you are in hospital.
• We will not pay if you cannot claim for overseas medical expenses in section 3.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific; Full Cover-Australia.
8.1 WE WILL PAY
We will pay the death benefit, to the estate of the deceased, if:

• you are injured during your journey and you die because of that injury within 12 months of the injury; or
• during your journey, something you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within a year.

The limit for the death of one person under the Family plan is the sum insured for the single benefit as per the plan selected. The most we will pay for any dependant child that is under 21 is $5,000.
The most we will pay under this section for all claims combined is:
For the Single Plan - $25,000 (Maximum benefit)
For the Duo Plan - $25,000 (Maximum benefit per person)
For the Family Plan - $50,000 (Maximum benefit)

8.2 WE WILL NOT PAY
We will not pay for death caused by suicide or for any other reason other than caused by accidental bodily injury as defined.
You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
9.1 WE WILL PAY
We will pay if:

• you are injured during your journey; and
• because of the injury, become permanently disabled within 12 months of the injury.

• you have totally lost any of the following:
- all of the sight in one or both eyes
- the use of a hand or foot at or above the wrist or ankle.
• the loss is for at least 12 months and, in our opinion after consultation with an appropriate medical specialist, will continue indefinitely.

The limit for the permanent disability of one person under a Family plan is the sum insured for the single benefit as per the plan selected and the most we will pay for any one dependant child is $5,000.
The most we will pay under this section for all claims combined is:
For the Single Plan - $25,000 (Maximum benefit)
For the Duo Plan - $25,000 (Maximum benefit per person)
For the Family Plan - $50,000 (Maximum benefit)

9.2 WE WILL NOT PAY
You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
10.1 WE WILL PAY

• If you are injured during your journey and become disabled within 30 days because of the injury, and the disablement continues for more than 30 days after your return to Australia, we will pay you what you normally earn.
• We will only pay if you cannot do your normal work and you lose all your income.

We will pay up to the following amounts for up to 6 months:
For the Single Plan - up to $400 per week (Maximum benefit)
For the Duo Plan - up to $400 per week (Maximum benefit per person)
For the Family Plan - up to $800 per week (Maximum benefit)

10.2 WE WILL NOT PAY
We will not pay for the first 30 days of your disablement from the time you return to Australia.
You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
11.1 WE WILL PAY

• We will reimburse you the replacement costs of any travel documents, including passports, credit cards or travellers cheques you lose or which are stolen from you during your journey.
• We will also cover loss resulting from the fraudulent use of any credit card held by you following the loss of the card during your journey.
• We will only cover those amounts not covered by any guarantee given by the bank or issuing company to you as the cardholder covering such losses.

The most we will pay under this section for all claims combined is:
For the Single Plan - $5,000 (Maximum benefit)
For the Duo Plan - $5,000 (Maximum benefit per person)
For the Family Plan - $10,000 (Maximum benefit)

11.2 WE WILL NOT PAY

• We will not pay if you:
- do not report the theft within 24 hours to the police and, in the case of credit cards and travellers cheques, to the issuing bank or company in accordance with the conditions under which the card(s) or cheque(s) were issued; and
- you cannot prove that you made a report to the above relevant persons by providing us with a written statement from them.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
12.1 WE WILL PAY
The most we will pay is up to $250 for all claims combined under either the Single/Duo or Family plans for any cash, bank notes, currency notes, postal orders or money orders stolen from your person.
12.2 WE WILL NOT PAY

• We will not pay if you do not report the theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You can prove that you made a report by providing us with a written statement from whoever you reported it to.
• We will not pay if the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific; Full Cover-Australia.
13.1 WE WILL PAY

• We will reimburse the repair cost, or loss, of any luggage/personal effects which are stolen or accidentally lost or damaged but we can reduce any amount we pay having regard to depreciation and wear and tear.
• No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your journey. We decide what is to be allowed for depreciation and wear and tear. We have the option to repair or replace the luggage/personal effects instead of paying you.
• For any item, pair or set of related items, for example but not limited to:
-A camera, lenses (attached or not), tripod and accessories; or
-A matched or unmatched set of golf clubs, golf bag and buggy,
are considered as only one item for this purpose.
We will pay up to:
- $3000 for personal computers, video recorders or cameras.
- $750 for all other unspecified items.
• For any item, we will not pay, in any event, more than what you paid for it.
• Luggage/personal effects left in a motor vehicle is only covered during daylight hours if it is locked in the boot or locked compartment and forced entry is made. No cover applies if luggage/personal effects is left unattended in the passenger compartment or overnight. The most we will pay if your luggage is stolen from the locked storage compartment of an unoccupied vehicle is $200 for each item and $2,000 in total for all stolen items.

Subject to lesser limits where specified, the most we will pay under this section for all luggage/personal effects claims combined, during your journey is:
- For the Single Plan - $5,000 (Maximum benefit)
- For the Duo Plan - $5,000 (Maximum benefit per person)
- For the Family Plan - $10,000 (Maximum benefit).

13.2 WE WILL NOT PAY
We will not pay a claim in relation to your luggage/personal effects if:

• You do not report the loss, theft or misplacement within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You can prove that you made a report by providing us with a written statement from whoever you reported it to.
• Your jewellery, mobile phone, camera, video camera, computer equipment or their accessories are transported in the cargo hold of any aircraft, ship, train or bus.
• The loss, theft of or damage is to or of bicycles.
• The loss, theft of or damage is to items left in any hotel or motel room after you have checked out or items left behind in any aircraft airline, ship, train, taxi or bus.
• The loss, theft or damage is to or of surfboards or to any watercraft.
• The luggage/personal effects was being sent unaccompanied or under a freight contract when it was lost, stolen or misplaced.
• The loss of, or damage arises from any process of cleaning, repair or alteration.
• The loss of or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
• The luggage/personal effects was left unsupervised in a public place or left unattended in a motor vehicle unless it was locked in the boot or locked storage compartment, or any luggage left overnight in a motor vehicle even if it was in the locked storage compartment.
• The luggage/personal effects have an electrical or mechanical breakdown.
• The luggage is fragile, brittle or an electronic component is broken or scratched - unless either:
- it is the lens of spectacles, binoculars or photographic or video equipment; or
- the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.
• You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation and fair wear and tear).
• The loss or damage to sporting equipment whilst in use.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
15.1 WE WILL PAY
We will reimburse your reasonable additional travel and accommodation expenses if a disruption to your journey arises from any of the following reasons:

• Your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil commotion, weather or natural disaster.
• You unknowingly break any quarantine rule.
• You lose your passport, travel documents or credit cards or they are stolen.
• An accident involving any bus line, airline, shipping line or rail authority that has accepted your fare and luggage and plans to transport you and it. However, you must provide us with written evidence from the bus line, airline, shipping line or rail authority.
• An accident involving a motor vehicle that you have rented. However, you must give us a written report from the rental company.
• The place you live at in Australia is destroyed by fire, explosion, earthquake or flood.

The most we will pay under this section for all claims combined is:
For the Single Plan - $2,000 (Maximum benefit)
For the Duo Plan - $2,000 (Maximum benefit per person)
For the Family Plan - $4,000 (Maximum benefit)

15.2 WE WILL NOT PAY
We will not pay if a disruption to your journey arises from any of the following reasons:

• If you can claim expenses from anyone else.
• The financial collapse of any transport, tour or accommodation provider.

You must check General Exclusions for other reasons why we will not pay.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific.
17.1 WE WILL PAY
We will pay you for any amount you have to pay due to your legal liability to pay damages or compensation because your negligence during your journey causes:

• Injury to a person who is not a member of your family or not a travelling companion;or
• Loss or damage to property that is not owned by you or a member of your family or travelling companion, or is not in your or their custody or control.

17.2 WE WILL NOT PAY
We will not reimburse you for anything you have to pay because of a legal claim against you for causing injury, death or damage to property, if the claim arises out of or is for:

• bodily injury to you, your travelling companion, or to a relative or employee of either of you;
• damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, a relative of yours, or your travelling companion, or to an employee of either of you;
• something arising out of the ownership, custody or use of any aerial device, watercraft or mechanically propelled vehicle;
• something arising out of the conduct of a business, profession or trade;
• any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under workers' compensation legislation, an industrial award or agreement, or accident compensation legislation;
• any fine, penalty or aggravated, punitive or exemplary or liquidated damages;
• disease that is transmitted by you;
• any relief or recovery other than monetary amounts;
• liability arising from a contract that imposes on you a liability which you would not otherwise have;
• anything that is covered under any other policy. We will be liable only for the amount your liability exceeds the limits of cover under any other policy;
• assault and/or battery committed by you or at your direction; or
• conduct intended to cause personal injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance.

You have this cover if you choose Full Cover Worldwide, Europe/Asia, Pacific; Full Cover-Australia.
18.1 WE WILL PAY
We will reimburse the excess or repair cost, whichever is the lesser amount, that you have to pay under whatever motor vehicle insurance you have if a motor vehicle that you rent and use is stolen or is involved in a crash or damage for which you are responsible during the period you are insured.

We will pay under this section up to $3,000 for all claims combined. If you are involved in an overseas motor vehicle accident, we will reimburse your reasonable legal expenses. In addition we will pay up to $500 for the cost of returning your rental vehicle to the nearest depot if your attending registed medical practitioner or dentist certifies in writing that you are unfit to do so during your journey.

18.2 WE WILL NOT PAY
We will not pay a claim involving the theft or crash of your motor vehicle if the claim arises directly or indirectly from:

• You operate a rental vehicle in violation of the rental agreement.
• You using the vehicle while affected by alcohol or any other drug in a way that is against the law of the place you are in.
• You using a vehicle without a licence for the purpose that you were using it.

You must check General Exclusions for other reasons why we will not pay.

We will not pay under any circumstances if:

General


• You do not act in a responsible way to protect yourself and your property and to avoid making a claim.
• You do not do everything you can to reduce your loss as much as possible.
• Your claim arises from consequential loss of any kind.
• At the time of taking the policy, you were aware of something that would give rise to you making a claim under this policy.
• Your claim is for a loss which is recoverable by compensation under any workers compensation act or transport accident laws or by any Government sponsored fund, plan or medical benefit scheme, or any other similar type legislation required to be effected by or under a law.
• Your claim is for additional expenses or fees arising from errors or omissions in your booking arrangements.
• Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements.
• Your claim arises from a government authority confiscating, detaining or destroying anything.
• Your claim arises from being in control of a motor cycle without a current Australian motor cycle licence or you are a passenger travelling on a motorcycle that is in the control of a person that does not hold a current motor cycle licence valid for the country you are travelling in.

MEDICAL


• Your claim arises from pre-existing medical conditions.
• Your claim arises out of pregnancy, childbirth or related complications after 26 weeks of pregnancy.
• Your claim arises out of pregnancy, childbirth or related complications up to 26 weeks of pregnancy unless either you did not know you were pregnant when you commenced your journey. In any event we will not cover any expenses associated with or consequent upon the birth of a child.
• Your claim arises from a pre-existing medical condition suffered by anyone other than you.
• Your claim involved a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place.
• Your claim is for medication or treatment you were using or taking when your journey began.
• Your claim arises from or is in any way related to depression, anxiety, stress, mental or nervous conditions.
• Your claim arises from suicide or attempted suicide.
• Your claim arises directly or indirectly from Human Immunodeficiency Virus (HIV) infection, Acquired Immune Deficiency Syndrome (AIDS) or a sexually transmitted disease.
• You were affected by alcohol or drugs - unless the drugs were prescribed by a medical adviser - at the time when the thing about which you are making the claim happened.
• Your claim is for ongoing treatment or prescription medication in respect of any pre-existing medical condition.

SPORTS & LEISURE


• Your claim arises because you hunt, race (other than on foot), engage in open water sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking) or from professional sport of any kind, or from parachuting or hang gliding.
• Your claim arises because you dive underwater using an artificial breathing apparatus - unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction.
• Your claim arises from travel in any air supported device other than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.

STRIKE, RIOT, BAD WEATHER, WAR, NUCLEAR CONTAMINATION, TERRORISM AND CONTAGIOUS DISEASE


• Your claim arises because you did not follow advice in the mass media of a government or other official body's warning:
-to defer travel or non-essential travel to a particular country;or
-of a strike, riot, bad weather, civil commotion or contagious disease;
and you did not take appropriate action to avoid or minimise any potential claim under your policy.

• Your claim arises from any act of war - whether war is declared or not - or from any rebellion, revolution, insurrection or taking of power by the military.
• Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.
• Your claim arises from biological and or chemical material(s), substance(s), compound(s) or the like used directly or indirectly for the purpose to harm or to destroy human life and or create public fear.
• Your claim arises directly or indirectly from an act or threat of terrorism. This exclusion only relates to Section 1 Cancellation Fees & Lost Deposits, Section 15 Travel Delay
  - Disruption of Journey and Section 16 Alternative Transport Expenses.

How you make a claim
You must give us notice of your claim as soon as possible by completing the claim form supplied by us and posting to the address shown on the claim form.
If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
You must give us any information we ask for to support your claim, such as police reports, valuations, medical reports, original receipts or proof of ownership.
You have to pay for this information, if necessary, and it must be in English and you must co-operate with us at all times.

• For medical, hospital or dental claims, contact Online Travel Insurance as soon as practical.
• For damage or permanent loss of your luggage/personal effects, report it immediately to the police and obtain a written notice of your report.
• For damage or misplacement of your luggage/personal effects, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make.
• Submit full details of any claim in writing within 30 days of your return.

CLAIMS ARE PAYABLE IN AUSTRALIAN DOLLARS TO YOU
We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense.
YOU MUST NOT ADMIT FAULT OR LIABILITY
In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval.
YOU MUST HELP US TO RECOVER ANY MONEY WE HAVE PAID
If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings.
IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLY MAKE UP THE DIFFERENCE
If you can make a claim against someone in relation to a loss or expense covered under this policy and you do not get paid the full amount of your claim, we will make up the difference. You must claim from them first.
TRAVEL WITHIN AUSTRALIA ONLY
If you are entitled to claim an input tax credit in respect of your premium you must inform us of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy.

Claims and Client Services
1300 725 154 (within Australia)
24 hour emergency assistance call Mondial Assistance
+61 7 3305 7499 (reverse charges)
1800 010 075 (within Australia)
Sales enquiries contact
1800 010 078 (within Australia)