Meet the following eligibility criteria:

• are residents of Australia of any age; and

• are travelling internationally either one way or return; and

• are taking a trip of up to 12 months in duration within 12 months of purchase of this travel insurance.

Have the following objectives that are met by the key attributes of this product:

• seek protection from financial loss as the result of specific defined unforeseen events, that may be incurred prior to or whilst travelling. For example, this plan can protect a consumer against financial loss for:

  • overseas medical expenses incurred as a result of injury or illness;

  • defined trip cancellation events, before and while they travel;

  • accidental loss, theft or damage to luggage and personal effects; and

  • some Coronavirus related events.

• may want cover for and agree to undertake a medical screening for any existing medical condition(s) that does not meet the criteria for automatic cover.

• want access to assistance during their trip for guidance, support (even when losses may not be covered by the policy) and general policy and coverage information, as they would not likely have specialist resources readily available to them.

• do not wish to pay an additional premium for this cover to apply to travel by ocean cruise.

• may want to tailor cover to be more suited to their insurance needs for their planned travels by:

  • lowering the excess applied if a claim is paid to minimize out of pocket expenses for covered events;

  • increasing the rental vehicle excess cover limit to cover rental vehicle insurance excesses of a higher value

  • increasing the cancellation limit so trips of higher value can be covered;

  • specifying valuable items to increase cover limits and not have depreciation apply;

  • adding cover for loss arising from participation in snow sports; and

  • adding cover for their existing medical condition(s).

Whose financial situation is consistent with the following:

• Persons who can pay the full quoted premium for the plan and options selected before the policy is issued;

• Persons who can incur the applicable excess if a claim is made; and

• Persons who may not wish to, or be able to, cover expenses themselves for events covered by this travel insurance.

• only want to be covered for travel within Australia; or

• are not starting or ending their trip at their home in Australia; or

• are Australian expatriates based overseas;

• want cover for a trip longer than 12 months duration; or

• want cover for multiple trips under a single policy; or

• want cover for loss arising from excluded activities; or

• want cover for travel to a destination subject to a “Do Not Travel” warning issued by the Australian Government’s Department of Foreign Affairs and Trade; or

• require cover that would cause us to be in breach of any restriction under United Nations resolutions or any sanctions, laws or regulations of Australia, the European Union, the United Kingdom or the United States; or

• want cover for excluded losses relating to an epidemic or pandemic or associated travel restrictions; or

• want cover for existing medical conditions that do not meet the criteria for automatic cover and:

  • do not agree to undertake a medical screening to determine the cover available; or

  • are not offered cover following a medical screening.