Are you not sure about something? We have pulled together our most commonly asked questions about purchasing a policy, policy details, and medical. If you don't find the answer to your question, drop us a line at firstname.lastname@example.org or phone our call centre on 1300 884 430.
The answers below are a brief summary. Be sure to read the Product Disclosure Statement (PDS) to understand what is and isn't covered.
This can be done over the phone or on the internet in about five minutes with a Visa or Mastercard.
As soon as you process the payment, you'll receive an automatic email to the address you nominated.
That is your policy certificate which is proof of your cover.
Your policy is generated as soon as your payment is processed.
Give us a call with your policy number and we will confirm your email address and e-mail the policy certificate again for you.
You're able to pay by direct deposit, cheque, bank cheque or Australia Post money order.
If you choose to do this, please contact our sales department first at 1300 884 430.
No, you cannot purchase a policy after you have left Australia.
Yes! You don't need to be related to your travelling companion. You don't even have to live at the same address.
Yes, we do, under all policies except for Essentials and Medical Only.
When you apply for the Policy you need to tell us where you are travelling to. The premium you pay for the Policy depends on your destination/s.
The Policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.
NB. We'll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.
Cruises: If you're going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
Travellers on domestic cruises in Australian Waters may also purchase Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses.
We cover a wide range of sporting activities. Check the PDS for details.
In the event of an act or threat of terrorism, there is no cover under the following sections:
Section 3.1 - Interuption Costs Of Your Journey
Section 3.3 - Cancellation Fees & Lost Deposits
Section 3.5 - Travel Delay
Section 3.6 - Alternative Transport Expenses
Cover is available under all plans for all necessary medical/hospital expenses, including bringing you Home, unless you are travelling in Australia.
You'll need to check the smart traveller website for travel advice. If a country is listed as "do not travel" we will not provide cover if you to travel to this country and your claim arises because you did not follow advice in the mass media or any government or other official body's warning against travel to a particular country or parts of a country. If the country is listed as anything other than "do not travel" and during your journey it changes to "do not travel", we will provide cover for you to be brought home. Please contact us if you're unsure on this subject.
All the details about pre-existing medical conditions can be found here.