Contents Contacting us .......................................................................................................................... 1 For General Enquiries ....................................................................................................................................... 1 In an Emergency 24/7 ....................................................................................................................................... 1 For Non-Emergency Claims ............................................................................................................................. 1 Before you buy this policy there are 7 things you must know ........................................ 1 Words with Special Meaning ................................................................................................. 4 Our Policies Explained ......................................................................................................... 12 Age Limits ........................................................................................................................................................... 12 Geographical Regions ..................................................................................................................................... 14 Cover Types ....................................................................................................................................................... 15 Luggage and Personal Effects ....................................................................................................................... 15 Sports and leisure activities ........................................................................................................................... 16 Travelling on Cruise Ships .............................................................................................................................. 18 Travelling only within Australia ...................................................................................................................... 18 Accompanying Dependants .......................................................................................................................... 18 Benefit Summary .................................................................................................................. 19 Optional Cover ...................................................................................................................... 21 Adventure Pack ................................................................................................................................................. 21 Snow Sports ...................................................................................................................................................... 23 Motorcycle Pack ............................................................................................................................................... 24 Bicycle Pack ....................................................................................................................................................... 24 Rental Vehicle Excess ...................................................................................................................................... 25 Excess Removal ................................................................................................................................................ 25 Frequent Traveller Saver: Cover for Spouse & Dependants .................................................................. 26 Pre-existing Medical Conditions ......................................................................................... 26 What is a Pre-existing Medical Condition? ................................................................................................. 27 How Pre-existing Medical Conditions Apply to Frequent Traveller Saver Policies ............................ 27 Automatically Covered Pre-existing Medical Conditions ........................................................................ 27 Pregnancy .......................................................................................................................................................... 29 Benefits .................................................................................................................................. 30 Benefit 1: Overseas 24/7 Emergency Medical Assistance ...................................................................... 30 Benefit 2: Overseas Emergency Medical and Hospital Expenses ......................................................... 32 Benefit 3: Overseas Emergency Dental ...................................................................................................... 33 Benefit 4: Overseas Emergency Medical Evacuation and Repatriation ............................................... 34 Benefit 5: Trip Cancellation Expenses ......................................................................................................... 36 Benefit 6: Trip Disruption Expenses ............................................................................................................ 38 Benefit 7: Trip Resumption Expenses ......................................................................................................... 41 i Benefit 8: Overseas Hospital Cash Payment ............................................................................................. 42 Benefit 9: Accidental death ............................................................................................................................ 43 Benefit 10: Permanent Disability .................................................................................................................. 43 Benefit 11: Loss of income ............................................................................................................................ 44 Benefit 12: Passports, Credit Cards & Credit Card Fraud ....................................................................... 46 Benefit 13: Theft of Cash ................................................................................................................................ 47 Benefit 14: Luggage and Personal Effects .................................................................................................. 47 Benefit 15: Delay of Luggage and Personal Effects .................................................................................. 52 Benefit 16: Travel Delay Expenses ............................................................................................................... 53 Benefit 17: Special Event Transport Expenses .......................................................................................... 54 Benefit 18: Personal liability .......................................................................................................................... 55 Benefit 19: Rental Vehicle Excess ................................................................................................................. 57 Benefit 20: Snow Sports Equipment ............................................................................................................ 58 Benefit 21: Snow Equipment Replacement Hire ...................................................................................... 60 Benefit 22: Snow Prepaid Expenses ............................................................................................................ 61 Benefit 23: Snow Resort Closure .................................................................................................................. 62 Benefit 24: Adventure Pack ........................................................................................................................... 63 Benefit 25: Motorcycle Pack .......................................................................................................................... 65 Benefit 26: Bicycle Pack .................................................................................................................................. 67 General Exclusions that apply to all benefits ................................................................... 69 Help and emergencies ......................................................................................................... 73 When you have an emergency ..................................................................................................................... 73 If you are hospitalised ..................................................................................................................................... 73 How to claim .......................................................................................................................... 74 What you need to do when making a claim ............................................................................................... 74 Excess ................................................................................................................................................................. 75 Claims processing ............................................................................................................................................ 75 Depreciation ...................................................................................................................................................... 76 If you can claim from another party 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