This Financial Services Guide has been designed to help you make an informed decision about the financial services that Travel Insurance Direct and Mondial Assistance can provide to you. It also contains information about how they and others are remunerated for providing these financial services and how complaints are dealt with.
When they arrange an insurance policy for you, they will give you a Product Disclosure Statement (PDS) when required. The PDS is designed to provide important information on the significant features and benefits of the policy, and is designed to assist you in making an informed decision about whether to buy the product. It may consist of more than one document.
Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS carefully to ensure that it is suitable for you.
Mondial Assistance (a trading name of ETI Australia Pty Ltd ABN 52 097 227 177 AFS Licence No 245631) of 74 High Street, Toowong, Queensland 4066, Telephone 1300 728 025, is an Australian Financial Services Licensee authorised to deal in and provide general advice on general insurance products. Mondial Assistance has been authorised by the insurer, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFS Licence No 234708 of 2 Market Street, Sydney, New South Wales 2000, Telephone 13 26 64, to act on its behalf to deal in and provide general advice and handle and settle claims in relation to travel insurance products underwritten by Allianz.
Mondial Assistance has a binding authority, which means it can enter into, vary or cancel these insurance products and handle and settle claims without reference to Allianz, provided it acts within the binding authority. When providing these services, Mondial Assistance acts for Allianz and does not act on your behalf.
Mondial Assistance and its representatives (including its authorised representatives) are covered under professional indemnity insurance that complies with the requirements of section 912B of the Corporations Act. The insurance (subject to its terms and conditions) will continue to cover claims in relation to Mondial Assistance's representatives/employees who no longer work for it (but who did at the time of the relevant conduct).
Travel Insurance Direct Pty Ltd (Travel Insurance Direct), ABN 30 121 659 470, Authorised Representative Number 305589, of Level 5, 24 York Street, Sydney, New South Wales 2000 is an authorised representative of Mondial Assistance.
Travel Insurance Direct is authorised by Mondial Assistance to deal in and provide general advice on travel insurance products, underwritten by Allianz. Travel Insurance Direct acts for Mondial Assistance and does not act on your behalf.
The distribution of this FSG by Travel Insurance Direct has been authorised by Monidal Assistance.
Travel Insurance Direct receives a commission which is calculated as a percentage of the premium you pay for an insurance policy issued to you. It is only paid if you buy the policy.
Employees and representatives of Travel Insurance Direct receive an annual salary, which includes bonuses based on sales performance criteria. Travel Insurance Direct also pays to other persons a commission from the amount that it receives, calculated as a percentage of the premium you pay for the product when the refer customers to www.tid.com.au. It is only paid if the cusomter buys a policy.
Mondial Assistance is remunerated by Allianz for providing services on behalf of Allianz. This is a percentage of the premium that you pay for an insurance policy and is only paid if you buy a policy.
Employees and representatives of Mondial Assistance receive and annual salary.
If you would like more information about the remuneration that Travel Insurance Direct or Mondial Assistance receives, please ask them. This request should be made within a reasonable time after this FSG is provided to you before the financial services are provided to you.
If you have a complaint, please tell Mondial Assistance. If your complaint is not resolved to your satisfaction, Mondial Assistance has an internal dispute resolution system designed to seek to resolve any complaints or disputes that may arise. To access it please contact Mondial Assistance on 1300 728 025 or put the complaint in writing and send it to PO Box 162, Toowong, Queensland 4066.
If you are still not satisfied after the internal dispute resolution process, you may contact the Financial Ombudsman Service (FOS), which is an independent external dispute resolution body. For more information or to access the FOS process, please call 1300 780 808. Alternatively you can write to the FOS at GPO Box 3, Melbourne, Victoria 3001. Access to the FOS is free.
You can give Mondial Assistance instructions using the contact details outlined in this FSG. Please retain this document in a safe place for your future reference.
This FSG was prepared on 1 November 2008.
A Product Disclosure Statement (PDS) is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy.
This PDS sets out the cover available and the terms and conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs.
This PDS, together with the Certificate of Insurance and any written endorsements by us make up your contract with Allianz. Please retain these documents in a safe place.
You can choose one of these 3 covers:
To properly understand this PDS’ significant features, Benefits and risks you need to carefully read:
When you apply for the policy by completing our application we will confirm with you things such as the period of insurance, your premium, what cover options and Excesses will apply, and whether any standard terms need to be varied (this may be by way of an endorsement).
These details are recorded in the Certificate of Insurance we issue to you.
This PDS sets out the cover we are able to provide you with. You need to decide if the Benefit limits, type and level of cover are appropriate for you and will cover your potential loss.
If you have any queries or want further information about the policy, please contact Mondial Assistance.
You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of Trip, number of persons covered, age, Pre-existing Medical Conditions and additional options. The higher the risk the higher the premium.
Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts will be set out separately in your Certificate of Insurance as part of the total premium
This policy is issued and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License 234708 (Allianz).
Mondial Assistance is a trading name of ETI Australia Pty Ltd. Mondial Assistance has been authorised by Allianz to enter into and arrange the policy and deal with and settle any claims under it, as the agent of Allianz, not as your agent. Mondial Assistance acts under a binder which means that it can do these things as if it were the insurer. It administers all emergency assistance services and Benefits of this insurance. You may contact Mondial Assistance in an emergency 24 hours a day, 7 days a week.
Even after you have purchased your policy, you have cooling-off period rights (see “Important Matters” page 12 for details).
We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, we may issue you with notice of this information in other forms or keep an internal record of such changes (you can get a paper copy free of charge by calling us).
The preparation date of this PDS is 1 November 2008.
This is only a summary of Benefits. Please read this PDS carefully for which types of cover are provided under each Plan. Importantly, please note that exclusions do apply, as well as limits to cover.
Medical, emergency dental, hospital and ambulance costs and when agreed by us, medical evacuation home or to the nearest appropriate medical facility. Includes funeral and repatriation of mortal remains.
Financial loss due to unforeseen cancellation of prepaid travel and accommodation arrangements. Includes conference/course fees not refunded as well as travel agency cancellation fees charged.
Cover extends to pay the equivalent if you lose frequent flyer or equivalent points which you used to purchase your travel.
Expenses you incur due to you not being able to continue your travel due to the injury or illness of you or a member of your Travelling Party. Also expenses you incur if your transport is delayed due to severe weather or accident.
If you cannot return to your usual employment when your travel is completed due to an accidental injury suffered whilst you were away.
Cash payments if you are hospitalised.
Meals and accommodation expenses due to transport delay.
If the major part of your travel has been interrupted by you being hospitalised and you need to be escorted home, reimbursement of your return airfare.
Transport costs to resume your travel if you had to return to Australia due to the hospitalisation of a Relative.
If your travel is interrupted and you will not get to a specified event in time, Reasonable additional cost of using alternative public transport to arrive at the destination on time.
Cover for the rental vehicle Excess if you have an accident or your vehicle is stolen, including costs to return a vehicle if you are unfit to do so.
Additional boarding fees if you are delayed from returning home due to something happening to you that is covered by this insurance, including veterinary fees if your pet is injured whilst you are away.
Additional transport and accommodation expenses if disaster strikes your home whilst you are away.
Loss of prepaid travel if you decide to end your travel following a hijacking incident.
If you are travelling on business and due to injury or illness you cannot complete your business commitments, costs to replace you with an alternative employee.
Additional costs you incur if the accommodation you are staying at is affected by industrial action or extended water and electricity supply failures.
Misdirection of your ski equipment and, if the resort you are staying at is closed, payment for alternative activities. Includes loss of prepaid lift passes, hire expenses and tuition fees if you cannot ski due to Sudden Illness or Serious Injury.Cover extends to the loss, theft of or damage to hired ski equipment, plus the costs of hiring this equipment. Extra travel and accommodation expenses (if your return journey is delayed due to an avalanche or bad weather) are also covered.
Additional costs incurred if you are unable to perform domestic duties after being repatriated home due to Sudden Illness or Serious Injury.
Payment to your estate for accidental death.
Accidental loss, damage or theft of your possessions. Includes emergency expenses if your luggage is delayed and losses due to fraudulent use of lost or stolen credit cards, travellers cheques. Note: Exclusions apply to Luggage and Personal Effects stolen from a vehicle.
Additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.
Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.
Cover if you suffer injury resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more limbs.
| Section | Benefit Type | Plan A Worldwide Snow Holiday | Plan B Annual Frequent Traveller - Snow |
Plan C Australia Only - Snow | ||
|---|---|---|---|---|---|---|
| Single | Family | Single | Single | Family | ||
| 1* | Medical Expenses Incurred Overseas | Unlimited | Unlimited | Unlimited | ||
| -Emergency Dental | $500 | $500 | $500 | |||
| 2A* | Cancellation Costs | Unlimited | Unlimited | Unlimited | $ 10,000 | $ 20,000 |
| 2B | Additional Expenses / Medical Evacuation | Unlimited | Unlimited | Unlimited | $ 10,000 | $ 20,000 |
| 2C* | Loss Of Income | $10,400 | $20,800 | $20,800 | ||
| 2D* | Out Of Pocket Expenses | $6,000 | $12,000 | $ 12,000 | ||
| 2E* | Travel Delay | $2,000 | $4,000 | $ 4,000 | ||
| 2F | Return Airfare | $6,000 | $12,000 | $12,000 | ||
| 2G* | Resumption Of Trip | $3,000 | $6,000 | $ 6,000 | ||
| 2H | Special Events | $2,000 | $4,000 | $ 4,000 | ||
| 2I | Rental Vehicle Excess | $4,000 | $4,000 | $4,000 | $ 4,000 | $ 4,000 |
| 2J | Return Of Rental Vehicle | $1,000 | $1,000 | $ 1,000 | $ 500 | $ 500 |
| 2K* | Domestic Pets | $500 | $500 | $ 500 | ||
| 2L | Trip Disruption | $2,000 | $4,000 | $ 4,000 | ||
| 2M | Hijacking | $2,000 | $4,000 | $ 4,000 | ||
| 2N | Alternative Staff | $1,500 | $3,000 | $ 3,000 | ||
| 2O* | Withdrawal Of Services | $500 | $500 | $500 | ||
| 2P* | Snow Skiing Piste Closure | $1,000 | $2,000 | $2,000 | $1,000 | $2,000 |
| 2Q | Bad Weather and Avalanche Closure (Delay of Return Journey) | $1,500 | $3,000 | $3,000 | $1,500 | $3,000 |
| 2R | Snow Skiing Benefits | $1,000 | $2,000 | $2,000 | $1,000 | $2,000 |
| 2S* | Hire of Replacement Snow Skiing Equipment | $1,500 | $3,000 | $3,000 | $1,500 | $3,000 |
| 2T | Hired Snow Skiing Equipment | $2,000 | $4,000 | $4,000 | $2,000 | $4,000 |
| 2U | Domestic Services | $500 | $500 | |||
| 3A | Accidental Death | $25,000 | $50,000 | $ 50,000 | $ 10,000 | $ 20,000 |
| 3B* | Total Permanent Disability | $12,500 | $25,000 | $ 25,000 | ||
| 4* | Luggage & Personal Effects | $12,000 | $24,000 | $ 24,000 | $ 4,000 | $ 8,000 |
| 5 | Personal Liability | $2,500,000 | $2,500,000 | $2,500,000 | $1,000,000 | $1,000,000 |
*sub-limits apply – refer to “Your Policy Cover” pages 22 to 32.
Plan B – Annual Frequent Traveller - Snow
A 12 month policy for the frequent traveller.
All Trips under 38 days for a leisure Trip & 90 days for a business Trip are automatically covered and accompanying partner and children as well.
Plan B covers all international and Australian domestic travel.
Extensions of your insurance policy are available unless:
Extensions of your insurance cover are available calculated at the current rates for the relevant Plan at the time of the extension.
If the scheduled transport in which you are to travel is delayed, or the delay is caused by an event that entitles you to make a claim under this policy, the insurance is automatically extended beyond the period of the Trip stated in the Certificate of Insurance. The extension lasts until you are capable of travelling to your final destination, including the journey there, or for a period of six (6) months, whichever happens first.
For all Plans a $4,000 limit applies to your Rental Vehicle Excess cover. You can purchase additional amounts in $500 units up to $2,000. Cost is $25 per $500 unit.
Travel Insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered. If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency which can be prohibitive in some countries.
A Pre-existing Medical Condition means:
This definition applies to you, your Travelling Party or a Relative or any other person.
However, this policy automatically covers some Pre-existing Medical Conditions (which must match the definition as listed below). This means you are only covered for these particular conditions:
You are automatically covered if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months. We do not require any further information or a Medical Declaration form if your condition is described in this list, and has not caused hospitalisation in the past 24 months:
If your condition is not described in this list, we will not pay any costs or expenses arising directly or indurectly from your condition (e.g. cost of medical care while overseas, or cost of cancellation of your travel plans due to change in health).
Please note that taking the medication Warfarin (also known under the brand names of Coumadin, Jantoven, Marevan and Waran) has a complex range of serious complications and side effects and is a general exclusion in the General Exclusions applicable to all Sections on page 20. This means that we will not pay for any conditions that are otherwise covered.
This Policy is available if you are a citizen or permanent Resident of Australia.
Age limits apply as at date of Certificate issue.
Plans A and C – Available to travellers under 81 years of age.
Plan B - Available to travellers under 76 years of age.
No cover is available to Travellers aged 81 years and over.
You are not covered until we issue a Certificate of Insurance. That Certificate forms a part of the policy. The period you are insured for is set out in the Certificate.
However:
Please note that cover under Sections 2P, 2Q, 2R, 2S and 2T is excluded for periods outside of:
If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS and you will be given a full refund of the premium you paid, provided you have not started your Trip or you do not want to make a claim or to exercise any other right under the policy.
After this period you can still cancel your policy but we will not refund any part of your premium if you do.
To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), call on 1300 843 843.
Before you enter into this policy, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy. You will be asked various questions when you first apply for your policy. When you answer these questions, you must:
If you vary, extend, reinstate or replace your policy your duty is to tell us before that time, every matter known to you which:
You do not need to tell us about any matter that:
Everyone who is insured under the policy must comply with the duty of disclosure.
If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.
We proudly support the General Insurance Code of Practice.
The Code sets out the minimum standards of practice in the general insurance industry. For more information on the Code please contact Mondial Assistance on 1300 728 025.
Should you have a complaint or dispute arising out of this insurance, or our employees, authorised representatives or service providers please contact Mondial Assistance on 1300 728 025. We will respond to your complaint within 15 business days, provided we receive all necessary information and have completed any investigation required. If we need more time, we will agree on a reasonable alternative timeframe.
We will keep you informed of the progress of our response to your complaint. When we provide our response we will also provide information on how our response can be reviewed by a different employee, who has appropriate experience, knowledge and authority.
If you want our response reviewed we will treat the matter as a dispute and provide you with the contact details of our employee, who will respond in writing within 15 business days (provided we receive all necessary information and have completed any investigation required).
If we need more time, we will agree on a reasonable alternative timeframe, failing which you can report your concerns to the Financial Ombudsman Service Ltd (FOS). We will keep you informed of the progress of our review at least every 10 business days.
We will give you reasons for our decision. If this does not resolve the matter, you may contact the IOS, the industry’s independent external complaints scheme:
The Financial Ombudsman ServiceIf you are admitted to hospital or you anticipate you will incur medical costs, you must immediately contact Mondial Assistance on the emergency assistance number. For information about Mondial Assistance’s worldwide 24 hour emergency assistance network, see page 15.
If you need to make a claim, follow the instructions below and Page 36.
Claim Forms are available:
For claims purposes, evidence of purchase and the value of the property insured or the amount of any loss must be kept.
Please complete the claim form in full (answering all questions) to allow your claim to be processed. You must attach all supporting ORIGINAL documents, reports, receipts, valuations, other proof of ownership and value, any amount of any loss and any other information relevant to your claim to the claim form and send to the address below.”
Your claim will be processed within 10 business days of us receiving a completed claim form and all necessary documentation. If we need additional information, a written request will be sent to you within 10 business days.
To arrange and manage your travel insurance, we (in this Privacy Notice “we”, “our” and “us” includes Mondial Assistance and the Authorised Representative) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary). Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third party and for any other purposes with your consent.
This personal information may be disclosed to (and received from) third parties in Australia or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.
When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:
We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information.
You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your Dependents under 16 years.
If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why.
Nil Excess applies to Sections 2D to 3B.
For all other Sections, a $100 Excess applies.
You can remove this Excess by paying an additional premium of $15.
If any additional Excess applies to your policy, the amount is shown in the Certificate, or advised to you in wirting before the Certificate is issued to you.
Mondial Assistance has trained medical staff to assist you with emergency medical assistance. You must contact us immediately in the event of you becoming ill or have an accident.
For emergency assistance anywhere in the world at any time, Mondial Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates as well as keeping you in touch with your family and work in an emergency.
If you are hospitalised you, or a member of your Travelling Party, MUST contact Mondial Assistance as soon as possible.
If you do not we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us (see Sections 1 and 2B).
If you are not hospitalised but you are being treated as an outpatient, and the total cost of such treatment will exceed AUD $2,000, you MUST contact Mondial Assistance immediately.
As soon as you become ill, contact us and our medical assistance team will help direct you to the appropriate hospital or heath care facility. Subject to medical advice, you must take our advice as to where you can be treated to ensure you receive quality medical care. We also have the option of returning you to Australia or evacuating you to another country, if the cost of your overseas medical expenses could exceed the cost of returning you to Australia.
Please note that cover under Sections 2P, 2Q, 2R, 2S and 2T is excluded for periods outside of:
This policy is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this jurisdiction and Choice of Law” clause applies.
You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects Unsupervised in a public place we will not pay your claim. (For an explanation of what we mean by “Luggage and Personal Effects”, “Unsupervised” and “Public Place” see pages 17 to 18).
Some words in this PDS that have special meanings are defined here.
Accident means an unexpected, unintended, unforeseeable event causing injury. The accident must happen while you are on a Trip and covered under the policy.
AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).
Amount Payable means the total amount payable for the policy in accordance with the rates set out in the Schedule of Benefits. It includes administration fees payable to the Agent, stamp duty, policy issue fee, GST if applicable and the premium payable to the insurer.
Applicable Limit means the sum insured specified in the Schedule of Benefits for the Plan selected on the Travel Insurance Policy.
Carrier or Carriers means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purpose of transporting passengers. This definition excludes taxis.
Chronic means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be ‘constant’ pain, however in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long- lasting, recurrent (occurred on more than 2 occasions) or characterised by long suffering.
Dependent means your children or grandchildren not in full time employment who are under the age of 21 and are travelling with you on the Trip.
Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.
Family means you and your travel partner named in the Certificate of Insurance and your Dependent children/grandchildren under the age of 21, at the date of policy issue, travelling with you, listed as covered on your Certificate of Insurance.
Home means your usual place of residence in Australia.
Injury means a bodily injury caused solely and directly by violent, accidental, visible and external means, during your period of cover and which does not result from any illness, sickness or disease.
Insolvency means bankruptcy, provisional liquidation, liquidation, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.
Luggage and Personal Effects means any personal items owned by you and that you take with you or buy on your Trip and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.
Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.
Pre-existing Medical Condition means:
Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.
Reasonable means for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your Trip or, as determined by us.
Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or a member of your Travelling Party’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter- in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.
Rental Vehicle means a campervan/motorhome that does not exceed 4.5 tonne, a sedan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.
Resident of Australia means someone who currently resides in Australia and is eligible for an Australian Medicare Card.
Single means covering you and your Dependent children/grandchildren under the age of 21, at the date of policy issue travelling with you listed as covered on your Certificate of Insurance.
Sudden Illness or Serious Injury means a condition which first occurs during your period of cover and which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to which this Insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue with your original Trip.
Travelling Party means those people defined in Family and any travelling companion who has made arrangements to accompany you for at least 50% of the Trip.
Trip means the period of travel stated in the Certificate of Insurance. It begins on the date of departure as stated in the Certificate of Insurance and ends when you return to your home, or when the period of the Trip set out in the Certificate of Insurance ends, whichever happens first.
Unsupervised means leaving your Luggage and Personal Effects:
We, our, us, means Allianz Australia Insurance Limited.
You or Your means the person or people named in the Certificate of Insurance as well as their accompanying Dependent children/grandchildren who are under 21 years of age at the date of policy issue.
This Section only covers you for Reasonable additional travel or accommodation expenses that result directly from one of the following events:
We will pay you if you have to interrupt your Trip after it has begun, for your necessary additional travel, accommodation, repatriation and meals that you undertake with our consent. Travel expenses for your return home or evacuation, are only covered if the attending physician advises us in writing that as a result of Sudden Illness or Serious Injury you are unfit to continue the Trip. The following rules apply:
We will pay you $400 per week under Plan A and $800 per week under Plan B for up to 26 weeks, calculated from the return date on the Certificate of Insurance if, as a result of suffering an injury during the Trip, you become totally unable within 30 days after that injury to attend to your usual full-time occupation or business when you return to Australia. However, we will not pay in respect of the first 30 days after you originally planned to resume your work. This Benefit is not applicable to accompanying Dependent children/grandchildren.
We will pay you $50 for each day you are necessarily confined to hospital overseas provided that the period of confinement exceeds 48 hours because of a Sudden Illness or Serious Injury that happens or first shows itself during the Trip.
We will pay you up to $2,000 for a Single Plan ($4,000 for a Family Plan) (sub limit of $200 per 12 hour delay) for the cost of Reasonable additional meals and accommodation if, for a reason outside your control, your scheduled transport from Australia or overseas is delayed for at least 6 hours, for each subsequent 12 hours (or part of that time) of delay.
You must give us your receipts, and written confirmation of the delay from the carrier.
We will pay you towards the cost of your original air ticket (less any refund that is due to you) if, because of a Sudden Illness or Serious Injury that happens during your Trip the attending registered medical practitioner or carrier requires you to be brought back to Australia with a medical escort. However, we will only do so if we bring you back when either:
If you return to your home in Australia because, during your Trip, a Relative in Australia or New Zealand dies unexpectedly or is hospitalised following a Sudden Illness or Serious Injury, we will reimburse you up to $3,000 for a Single Plan ($6,000 for a Family Plan) towards return airfares to continue your Trip within 12 months of return to Australia.
If your Trip is interrupted by any fortuitous cause outside of your control and you are unable to arrive at your destination by the time originally scheduled – for the purpose of attending a pre-arranged wedding, funeral, conference, or sporting event which cannot be delayed as a consequence of your late arrival – we will reimburse you for the Reasonable additional cost of using alternative public transport to arrive at the destination on time.
We will pay you for the Rental Vehicle Insurance Excess if you rent a vehicle which is damaged, stolen or if it is involved in an accident. We will only pay if you have a written rental agreement from a licensed rental company. This Benefit does not cover motorcycles.
We will pay the cost of returning your Rental Vehicle to the nearest depot if your attending registered medical practitioner or dentist certifies in writing that you are unfit to do so during your Trip.
We will pay your Reasonable additional transport and accommodation expenses if your Trip is disrupted due to your usual place of residence in Australia being destroyed by a natural disaster or a fire.
We will pay if you want to cancel your Trip and return home after the scheduled transport service on which you are travelling is hijacked. We will pay you your prepaid travel and accommodation that you do not use, less any refunds due to you.
We will pay the Reasonable costs for a replacement employee to complete the assignment for which you originally travelled if, as a result of a Sudden Illness or Serious Injury to you for which a claim is valid under Section 1 of this policy, a registered medical practitioner and we deem it necessary that you return to your place of residence in Australia.
The replacement employee will for the purposes of this travel insurance will be entitled to Benefits under this policy but subject to the conditions, limitations and exclusions of the policy and the replacement employee must comply with the requirements of the Duty of Disclosure.
We will pay you $50 per day when the unforeseeable withdrawal of any of the following services for 48 hours continuously during your Trip at the pre-booked accommodation at which you are staying occurs:
You must produce a written report from the accommodation manager where you are staying in support of your claim.
We will pay you $100 for a Single Plan ($200 for a Family Plan) for each day that the skiing facilities at the resort you have pre-booked before your Trip commenced and that you are staying in, is totally closed due to adverse snow conditions.
You must obtain a detailed written report from the resort management in support of your claim.
We will pay the reasonable extra travel and accommodation expenses that you need to pay if your pre-booked outward or return journey is delayed for more than 12 hours from your scheduled arrival time because of an avalanche or bad weather.
It is a condition of this section that you get a written statement from the appropriate authority confirming the reason for the delay was related to either an avalanche or bad weather, and how long it lasted.
We will pay you the proportional amounts of irrecoverable prepaid charges you have paid for (or contracted to pay before the Trip commenced);
We will pay for accidental loss, theft or damage to hired snow skiing equipment (skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings or ice skates). The maximum amount we will pay for any item (item limit) is $700.
We will only pay if you have a written hire agreement from a licensed hire company.
Please note that snow skiing equipment owned by you is covered under Section 4 (Luggage and Personal Effects).
We will pay you for any Reasonable domestic services provided by a registered domestic service business up to a maximum of $500 if you have been repatriated to Australia by us and your Sudden Illness or Serious Injury restricts your ability to perform domestic duties. These Reasonable domestic services and costs must be approved by us.
We will pay your estate the Applicable Limit, if you die within twelve (12) months as the direct result of an injury that happens to you during your Trip. However, there is no cover for your Dependent children/grandchildren under the age of 21, who are travelling with you. Under a Family Plan, we only pay the Single Plan limit for any one person.
We will also pay your estate the applicable Limit if you are presumed dead and your body is not found within 12 months after the conveyance you were travelling in disappears, sinks, is wrecked or crashes.
If during the Trip you suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more Limbs within one year of the date of the accident.
We will pay you the amount shown in the Plan purchased. The maximum limit in respect of accompanied children is $10,000 for each child.
We will not pay a claim that arises because of any of the following:
However, if we are to pay a claim, you must:
We will pay you for any amount due to your legal liability up to the maximum Benefit to pay damages or compensation because your negligence during your Trip causes:
We will also reimburse your Reasonable legal costs and legal expenses for settling or defending the claim made against you. We decide whether the costs were Reasonable. You must not accept any liability without our prior approval.
You must check General Exclusions Applicable to All Sections pages 19 to 21 for other reasons why we will not pay.
You must give us notice of your claim as soon as possible by completing the claim form supplied by our Clients Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim.
If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership.
You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require.
We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense.
In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval.
If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform us of such third party.
If you can make a claim against someone other than under an insurance policy in relation to a loss or expense covered under this policy and they do not pay you the full amount of your claim, we will make up the difference. You must claim from them first.
Depreciation will be applied to claims for Luggage and Personal Effects at such rates as reasonably determined by Mondial Assistance.
If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other insurer. You must give us any information we reasonably ask for to help us make a claim from your other insurer.
We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy.
We will apply any money we recover from someone else under a right of subrogation in the following order:
Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.
If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.
If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit.
If you are entitled to claim an input tax credit in respect of your premium you must inform us of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy.
Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. You can help by reporting insurance fraud. All information will be treated as confidential and protected to the full extent under law. Report insurance fraud by calling 1800 453 937.
If you are in one of the countries listed below, simply dial the number shown for that country.
For all other countries dial reverse charge ("collect") via the local operator on: 61 7 3305 7499
| Country | Emergency Number |
|---|---|
| Australia | 1800 010 075 |
| Canada | 1800 214 5514 |
| China | (North) 10800 611 0094 |
| China | (South) 10800 361 0112 |
| France | 0800 905 823 |
| Germany | 0800 182 7635 |
| Greece | 00800 611 4107 |
| Hong Kong | 800 900 389 |
| Indonesia | 001 803 0612 195 |
| Italy | 800 787 451 |
| Japan | 0066 3386 1052 |
| Netherlands | 0800 023 2683 |
| New Zealand | 0800 778 103 |
| Singapore | 800 6162 187 |
| Switzerland | 0800 561 361 |
| Thailand | 001 8006 121 082 |
| United Kingdom | 08000 289 270 |
| United States | 1866 844 4085 |
ABN 30 121 659 470
AR No. 305589
Level 5, 24 York Street, Sydney, NSW 2000
is an authorised representative of Mondial Assistance
ETI Australia Pty Ltd trading as
Mondial Assistance
ABN 52 097 227 177
AFS Licence No. 245631
PO Box 162, Toowong QLD 4066
Allianz Australia Insurance Limited
ABN 15 000 122 850
AFS Licence No. 234708
2 Market Street, Sydney NSW 2000