Whether you’re travelling
for business or pleasure, Annual Travel insures
you for both Domestic and International travel.
You don’t have to notify anyone that you’re
travelling or where you’re going, your cover
is automatic.
You can forget the hassle of having
to organise, and pay for, travel insurance every
time you fly. And because it covers you for
journeys up to 90 days at a time, it’s a great solution
to your travel insurance needs.
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Annual Travel Insurance
Summary of Benefits Table
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1. Overseas Medical & Dental Expenses
Dental Expenses (limit)
(refer to Section 1 of the PDS for more detail)
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Unlimited
$600 |
2. Additional Expenses
2.2 If You Die (limit)
(refer to Section 2 of the PDS for more detail)
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Unlimited
$10,000 |
3. Cash in Hospital
(a) Daily Amount
(b) Maximum Amount
(refer to Section 3 of the PDS for more detail)
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$50
$5,000 |
4. Loss of Deposits & Cancellation Charges
Travel Agent's Cancellation Fee (limit)
(refer to Section 4 of the PDS for more detail)
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Unlimited
$100 |
5. Missed Connection
(refer to Section 5 of the PDS for more detail)
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$2,000 |
6. Travel Delay
(a) Daily Accommodation Amount
(b) Maximum Amount
(refer to Section 6 of the PDS for more detail)
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$200
$1,250 |
7. Luggage and Travel Documents
7.1 Loss, Theft or Damage
(a) Item Limit (each)
(b) Video & Electrical Equipment (combined maximum)
(c) Laptop Computers (combined maximum)
7.2 Delayed Luggage Allowance
(a) More than 24 hours (limit)
(b) More than 72 hours (limit)
(refer to Section 7 of the PDS for more detail)
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$10,000
$1,000
$3,000
$3,000
$500
$1,000
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8. Replacement of Money
(refer to Section 8 of the PDS for more detail)
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$500 |
9. Rental Vehicle Excess
(refer to Section 9 of the PDS for more detail)
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$2,000 |
10. Golf Club/Ski Hire
(refer to Section 10 of the PDS for more detail)
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$200 |
11. Public Transport Hijacking
(a) Daily Amount
(b) Maximum Amount
(refer to Section 11 of the PDS for more detail)
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$500
$15,000
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12. Kidnap and Ransom
(refer to Section 12 of the PDS for more detail)
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$250,000 |
13. Personal Liability
(refer to Section 13 of the PDS for more detail)
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$2,000,000 |
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Excess: The excess is the first amount of a claim, which We will not pay for. The Policy excess is $100 (except for Cash in Hospital, Rental Vehicle Excess, Golf Club/Ski Hire, Public Transport Hijacking, Kidnap and Ransom and Personal Liability where an excess does not apply).
Bonus - ACE Assistance
ACE Assistance is a twenty-four (24) hour emergency referral service. In the event of a medical or similar emergency simply phone, reverse the charge and get immediate help in locating medical assistance in Your local area. This service will also provide non-emergency pre-travel advice on some health-related matters, verify insurance coverage and can help co-ordinate immediate claim payments.
There are certain times when this insurance may not provide cover. Some of the exclusions and limitations that apply to the Policy include:
Annual Travel Insurance Conditions |
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You are not aware of any circumstance which is likely to give rise to a claim before You take up this insurance.
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You are a permanent resident of Australia and will be returning to Your Home at the completion of the Period of Insurance.
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Each trip period is limited to ninety (90) days.
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Journey must commence and terminate while this Policy is in force and is more than one-hundred (100) kilometres from Your Home.
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Age Limit – eighteen (18) up to and including seventy-four (74) years of age. However, You will be covered if You are seventy-five (75) years of age, provided You commenced the Journey before Your seventy-fifth (75th) birthday.
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Due to legislation, medical expenses for treatment and services received in Australia are not payable in Australia.
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Please refer to the PDS
and Policy Wording for full details, as these are only
some of the events that are not covered by this insurance.
General Exclusions
Being a pilot or crew member of any aircraft.
War or war like activities.
Any existing medical condition.
Any claim in relation to pregnancy where there is prior
knowledge of the pregnancy, or after the 24th week of pregnancy.
Hunting, racing (other than on foot), polo playing, professional
sports, mountaineering or rock climbing, bungee jumping, scuba
diving, motorcycling.
All aerial activities.
Insolvency of any tourism services provider.
Any acts of terrorism.
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