Medical Condition
An existing medical condition is any medical condition which:
At the time you buy your policy is:
- chronic; or,
- displaying symptoms; or,
- under investigation; or,
- pending follow-up, consultation, treatment or surgery; or where these are recommended or planned;
- or metastatic;
- or terminal; or
in the six months prior to the time you buy your policy there has been:
- treatment by a medical practitioner; or
- medication prescribed; or
- surgery.
Please refer to existing medical conditions that meet the criteria for automatic cover
Snow Sports
If you are participating in Snow sports on your trip you need to add this option to be covered.
By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.
Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.
$0 Excess
By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".
Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0. An additional excess may apply to specific medical conditions. This excess cannot be removed
Cruise
Cruising is covered as standard on international policies. If the cruise only stops in one country, just select that country.
If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ as your destination, do not include Australia when cruising.
If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
Already Overseas
If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia.
Click here to find out more
Altitude Limits
There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions.
Click here to find out more
COVID-19 Medical
Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusion).
^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19)
One Way
Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.
