When you find a suitable travel insurance plan for your trip, it’s important to understand what it does – and doesn’t – cover.
The Product Disclosure Statement (PDS) contains all the details our customers need to know about their travel insurance policy. This includes our Policy Conditions, which are listed below.
If you are considering covering your trip with Cover-More, please make sure you read and understand our Policy Conditions. If you’d like to speak to our team about the below or any of the details in our PDS, please call 1300 72 88 22 during business hours.
The excess is the first amount of a claim that We will not pay for. It is deducted from Your claim if it is approved by Us. The excess applies per event i.e. If You fall over and need medical treatment, and smashed Your smart phone in the fall, the excess will be deducted once.
The excess, if applicable, applies to any claim arising from a separate event in respect of Sections 1, 2, 4, 5, 6, 10, 11, 12, 19, Additional Cruise Benefits (i)-(iv), and for Sections 20, 22 and 23 where relevant. The excess amount will be shown on Your Certificate of Insurance.
Claim example: You have a $250 excess on Your policy. If You made a claim for $2,500 under Section 1: Overseas Medical Expenses, You already paid the expenses and We approve Your claim, We would deduct the $250 excess from the claim before We paid You. If, via Our emergency assistance team, We approved a claim directly with an overseas medical provider, We may ask You to pay the $250 excess directly to the provider at the time or request You to pay it to Us before We can finalise Your claim with the provider. In any event, the total claim We pay is $2,250.
In some circumstances, prior to Your entry into the policy or when You apply for cover for Your Existing Medical Conditions, whichever occurs later, We may impose an extra or increased excess for claims arising from Existing Medical Conditions. We will inform You in writing if this applies: These will be set out in Your Certificate of Insurance or in a letter from Our medical assessment team.
The limits of Our liability for each Section of the policy are the amounts shown in the relevant table for the plan purchased as shown on pages 3-8 except:
If You are able to claim from a statutory fund, compensation scheme (for example a private health fund or workers compensation scheme) or Transport Provider for monies otherwise payable under this policy You must do so and the policy will only cover the remaining amount.
We have the right to recover from any other party in Your name, money payable under the policy or to choose to defend any action brought against You. You must provide reasonable assistance to Us.
All amounts payable and claims are payable in Australian dollars at the rate of exchange applicable at the time the expenses were incurred.
The policy shall be interpreted in accordance with the law of the Australian State or Territory in which it is issued.
Where Your Journey is necessarily extended due to an unforeseeable circumstance outside Your control, Your Period of Insurance will be extended until You are physically able to travel Home by the quickest and most direct route. The Period of Insurance will not be extended for any other reason.
If You:
If You purchase the Annual Multi-Trip Policy the limits of liability under each Section of the policy are automatically reinstated on completion of each Journey and in respect of SECTION 5: Luggage and Travel Documents, also once on each Journey.
You must obtain and follow advice and treatment given by a qualified doctor as soon as possible after suffering a disabling injury, during the Period of Insurance.
This policy condition applies if You have paid the Inbound Amount Payable and You are a non-Australian resident.
In this policy wording (other than in this policy condition, the second bullet point under Policy wording on page 22, SECTION 1: Overseas Medical and Dental Expenses including emergency repatriation/evacuation, SECTION 19: Medical and Dental Expenses in Australia (Inbound plan) and the General exclusions):
Not available on the Inbound plan
If You purchase this policy on Your trip after leaving Home, this cover is subject to a 3 day no-cover period. This means there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying the policy.
Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service, benefit and/or activity of Yours would violate any applicable trade or economic sanctions, law or regulation.
See which Cover-More plan is right for your trip.