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Product Disclosure Statement (Pds) InsureandGo Travel Insurance – Product Disclosure Statement Contents PRODUCT DISCLOSURE STATEMENT (PDS) ........................................................................ 2 HOW INSUREANDGO TRAVEL INSURANCE IS DISTRIBUTED AND ADMINISTERED ............................ 2 CONTACT DETAILS .................................................................................................... 2 Policy Plans - Geographical areas ................................................................................. 3 Policy Upgrades and Amendments ................................................................................ 3 KEY BENEFITS OF YOUR POLICY .................................................................................... 4 IMPORTANT INFORMATION .......................................................................................... 5 Eligibility ............................................................................................................... 5 Assistance provider .................................................................................................. 7 Dispute resolution .................................................................................................... 8 Duty of disclosure .................................................................................................. 10 TABLE OF BENEFITS ................................................................................................ 11 TABLE OF BENEFITS FOR UPGRADES ............................................................................ 13 GENERAL CONDITIONS ............................................................................................. 14 GENERAL EXCLUSIONS ............................................................................................. 15 SECTIONS OF COVER ............................................................................................... 18 SECTION A – CANCELLING YOUR TRIP BEFORE DEPARTURE ................................................. 18 SECTION B1 – MEDICAL AND OTHER EXPENSES OUTSIDE OF AUSTRALIA ................................... 20 SECTION B2 – HOSPITAL CASH ALLOWANCE .................................................................... 22 SECTION C1 – CUTTING YOUR TRIP SHORT ..................................................................... 22 SECTION C2 – ADDITIONAL EMERGENCY EXPENSES ............................................................ 23 SECTION C3 – RESUMPTION OF YOUR TRIP ..................................................................... 24 SECTION D – TRAVEL DELAY EXPENSES .......................................................................... 25 SECTION E1 – PERSONAL BELONGINGS AND BAGGAGE ....................................................... 26 SECTION E2 - ADDITIONAL SPECIFIC ITEMS COVER ............................................................ 26 SECTION E3 – DELAYED BAGGAGE ............................................................................... 27 SECTION E4 – PASSPORT AND TRAVEL DOCUMENTS........................................................... 27 SECTION E5 – MONEY ............................................................................................... 27 SECTION F – ACCIDENTAL DEATH AND PERMANENT DISABILITY ............................................. 29 SECTION G – PERSONAL LIABILITY ............................................................................... 31 SECTION H – LEGAL EXPENSES .................................................................................... 32 SECTION I – AIRCRAFT HIJACK .................................................................................... 33 SECTION J – PET CARE ............................................................................................. 33 SECTION K – RENTAL CAR EXCESS WAIVER ..................................................................... 33 SECTION L – LOSS OF INCOME .................................................................................... 34 SECTION M - WINTER SPORTS COVER ........................................................................... 35 SECTION N - BUSINESS COVER .................................................................................... 38 SECTION O - GOLF COVER ......................................................................................... 40 Table of covered sports & activities ............................................................................ 42 Table of covered winter sports .................................................................................. 45 Table of excluded sports & activities........................................................................... 46 GENERAL DEFINITIONS ............................................................................................. 47 FINANCIAL SERVICES GUIDE ....................................................................................... 50 IG_MS_PW_OT_0320 1 InsureandGo Travel Insurance – Product Disclosure Statement PRODUCT DISCLOSURE STATEMENT CONTACT DETAILS Enquiries (PDS) Date: 12/03/2020 Phone within Australia: 1300 401 177 Phone outside Australia: +61 2 9333 3902 This PDS is designed to assist you in your decision to purchase InsureandGo Travel Insurance. It contains Fax: 02 9660 4805 information about key benefits and significant features of InsureandGo Travel Insurance. Monday to Thursday, 8am – 7pm Friday, 8am – 6pm The PDS also contains important information about your Saturday 9am – 5pm rights and obligations including: Hours subject to change. Cooling Off Period on page 7 Please visit http://www.insureandgo.com.au/contact- Dispute Resolution on page 8 us.html to check full details. Privacy on page 9 The Duty of Disclosure on page 10 Email: [email protected] This document contains the full terms and conditions that Overseas Emergency Assistance Helpline apply to your policy. Phone: +61 2 9333 3999 Please keep this document in a safe place and carry it 24 hours a day, 7 days a week with you when you travel. This PDS has been prepared by us and InsureandGo Travel HOW INSUREANDGO TRAVEL INSURANCE IS Insurance. DISTRIBUTED AND ADMINISTERED COVER OPTIONS AVAILABLE The insurer of this insurance is: InsureandGo Travel Insurance provides cover for one trip up to a maximum duration that you select. With Mitsui Sumitomo Insurance Company Limited InsureandGo Travel Insurance, you have the option to ABN 49 000 525 637, AFSL 240816 select a Policy Type (number of people covered), a Policy Level 18, 1 Bligh St, Sydney, NSW 2000, Australia Plan – Geographical areas covered, a Level of Cover and various Policy Upgrades and Amendments which best suits Throughout this PDS the issuer/insurer is referred to as we, your travel needs. us, our. Policy Types This insurance is distributed and administered on our behalf by our authorised representative You have the option to select: Mapfre Insurance Services Australia Pty Ltd Individual (InsureandGo Travel Insurance) This option provides cover for one adult who is 18 years ABN 71 140 219 594 of age or older and their accompanying dependent Suite 1.04 Level 1, 19 Harris St. children. Pyrmont, 2009 Sydney NSW Couple This option provides cover for two adults who are in a Please refer to the financial services guide (“FSG”) Partner relationship. section of this document for information on the services Family provided by InsureandGo Travel Insurance and the This option provides cover for two adults who are in a remuneration received, or to be received, by Partner relationship and their accompanying dependent InsureandGo Travel Insurance as the General Insurance children. distributor and administrator of this insurance product. InsureandGo Travel Insurance does not issue or underwrite (other than as our agent) or guarantee InsureandGo Travel Insurance. ✓ What you are covered for What you are not covered for ! Important information 2 ? Definitions relating to this section InsureandGo Travel Insurance – Product Disclosure Statement Policy Plans - Geographical areas The benefit and sum insured entitlements differ under each level of covers. You should select the travel plan designated for your travel destination: Policy Upgrades and Amendments Pacific Amendments The South Pacific: American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New The following policy amendments only apply if they have Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, been selected by you, the appropriate premium has been Vanuatu, New Zealand, Papua New Guinea, (Bali and paid and they are shown on your policy schedule. Lombok are included in the Pacific) Excess eliminator and double excesses Asia Under most sections of this policy you have to pay the Bangladesh, Brunei, Cambodia, China, Hong Kong, India, first part of any claim. This is called an excess. This will Indonesia, Japan, Laos, Malaysia, Maldives, Myanmar, apply to each person claiming and to each incident and Nepal, Philippines, Singapore, South Korea, Sri Lanka, to each section of the policy you claim under. This Taiwan, Thailand and Vietnam only. amount is shown under each section where it applies. Worldwide* Excluding If you pay an extra premium, your policy can include an Worldwide excluding USA, Canada, Mexico, Central & excess waiver (excess eliminator) which will remove all South America and Antarctica excesses (except for increased medical excesses listed in the Table of covered sports & activities on pages 42-44). Worldwide* Including Worldwide including USA, Canada, Mexico, Central & For a
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