| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Luggage & Personal Items | ||||
| Luggage & Personal Effects | $7,500 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$2,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | $5,000 | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Medical | ||||
| Overseas Emergency Medical & Hospital Expenses | unlimited | Yes | Yes | |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | ||||
| Dental Expenses | $1,000 | No | Yes | |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | ||||
| Hospital Cash Allowance | $5,000 | Yes | No | |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | ||||
| Repatriation Of Remains | $25,000 | No | No | |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | ||||
| Permanent Disability | $25,000 | No | No | |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies). | ||||
| Loss of Income | $10,400 | Yes | No | |
| Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies) | ||||
Luggage & Personal Items | ||||
| Travel Documents & Transaction Cards | $5,000 | No | Yes | |
| Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | ||||
| Theft of Cash | $250 | No | Policy | No |
| Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey. | ||||
| Luggage & Personal Effects | $15,000 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
| Luggage & Personal Effects Delay Expenses | $1,000 | Yes | Adult | No |
| Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours. $500 if your luggage is delayed for less than 7 days. $1,000 if your luggage is delayed for more than a week. (no excess applies) |
||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$50,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
| Special Event Transport Expenses | $2,000 | No | Yes | |
| Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time. | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
| Domestic Services | $500 | Yes | Yes | |
| Reimbursement for housekeeping services if you were injured overseas and unable to perform these housekeeping duties upon your return home. | ||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | chosen limit | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Medical | ||||
| Overseas Emergency Medical & Hospital Expenses | unlimited | Yes | Yes | |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | ||||
| Dental Expenses | $1,000 | No | Yes | |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | ||||
| Repatriation Of Remains | $25,000 | No | No | |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Medical | ||||
| Overseas Emergency Medical & Hospital Expenses | unlimited | Yes | Yes | |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | ||||
| Dental Expenses | $1,000 | No | Yes | |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | ||||
| Hospital Cash Allowance | $5,000 | Yes | No | |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | ||||
| Repatriation Of Remains | $25,000 | No | No | |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | ||||
| Permanent Disability | $25,000 | No | No | |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies). | ||||
| Loss of Income | $10,400 | Yes | No | |
| Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies) | ||||
Luggage & Personal Items | ||||
| Travel Documents & Transaction Cards | $5,000 | No | Yes | |
| Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | ||||
| Theft of Cash | $250 | No | Policy | No |
| Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey. | ||||
| Luggage & Personal Effects | $15,000 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
| Luggage & Personal Effects Delay Expenses | $1,000 | Yes | Adult | No |
| Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours. $500 if your luggage is delayed for less than 7 days. $1,000 if your luggage is delayed for more than a week. (no excess applies) |
||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$50,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
| Special Event Transport Expenses | $2,000 | No | Yes | |
| Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time. | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
| Domestic Services | $500 | Yes | Yes | |
| Reimbursement for housekeeping services if you were injured overseas and unable to perform these housekeeping duties upon your return home. | ||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | - | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | chosen limit | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Medical | ||||
| Overseas Emergency Medical & Hospital Expenses | unlimited | Yes | Yes | |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | ||||
| Dental Expenses | $1,000 | No | Yes | |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | ||||
| Hospital Cash Allowance | $5,000 | Yes | No | |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | ||||
| Repatriation Of Remains | $25,000 | No | No | |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | ||||
| Permanent Disability | $25,000 | No | No | |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies). | ||||
| Loss of Income | $10,400 | Yes | No | |
| Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies) | ||||
Luggage & Personal Items | ||||
| Travel Documents & Transaction Cards | $5,000 | No | Yes | |
| Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | ||||
| Theft of Cash | $250 | No | Policy | No |
| Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey. | ||||
| Luggage & Personal Effects | $15,000 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
| Luggage & Personal Effects Delay Expenses | $1,000 | Yes | Adult | No |
| Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours. $500 if your luggage is delayed for less than 7 days. $1,000 if your luggage is delayed for more than a week. (no excess applies) |
||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$50,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
| Special Event Transport Expenses | $2,000 | No | Yes | |
| Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time. | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
| Domestic Services | $500 | Yes | Yes | |
| Reimbursement for housekeeping services if you were injured overseas and unable to perform these housekeeping duties upon your return home. | ||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | chosen limit | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Medical | ||||
| Overseas Emergency Medical & Hospital Expenses | unlimited | Yes | Yes | |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | ||||
| Dental Expenses | $1,000 | No | Yes | |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | ||||
| Hospital Cash Allowance | $5,000 | Yes | No | |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | ||||
| Repatriation Of Remains | $25,000 | No | No | |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | ||||
| Permanent Disability | $25,000 | No | No | |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies). | ||||
| Loss of Income | $10,400 | Yes | No | |
| Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies) | ||||
Luggage & Personal Items | ||||
| Travel Documents & Transaction Cards | $5,000 | No | Yes | |
| Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | ||||
| Theft of Cash | $250 | No | Policy | No |
| Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey. | ||||
| Luggage & Personal Effects | $15,000 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
| Luggage & Personal Effects Delay Expenses | $1,000 | Yes | Adult | No |
| Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours. $500 if your luggage is delayed for less than 7 days. $1,000 if your luggage is delayed for more than a week. (no excess applies) |
||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$50,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
| Special Event Transport Expenses | $2,000 | No | Yes | |
| Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time. | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
| Domestic Services | $500 | Yes | Yes | |
| Reimbursement for housekeeping services if you were injured overseas and unable to perform these housekeeping duties upon your return home. | ||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | chosen limit | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Luggage & Personal Items | ||||
| Luggage & Personal Effects | $7,500 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$2,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | $5,000 | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
| Policy Benefit | Limit | Sub? | Per? | Excess |
|---|---|---|---|---|
Emergency | ||||
| 24/7 Emergency Assistance Service | included | No | No | |
| 24 Hour emergency assistance services, access to trained medical advisers and messages to family. | ||||
Luggage & Personal Items | ||||
| Luggage & Personal Effects | $7,500 | Yes | Adult | Yes |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | ||||
Cancellation & Delay | ||||
| Pre-Departure Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | ||||
| Pre-Departure Amendments to Journey | $2,000 | No | Adult | Yes |
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | ||||
On-trip Disruption | ||||
| On-trip Cancellation Fees & Lost Deposits | chosen limit | Yes | Policy | Yes |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | ||||
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover |
$2,000 | Yes | Adult | Yes |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster. There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) |
||||
| Travel Delay Expenses | $2,000 | Yes | No | |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | ||||
Other | ||||
| Personal Liability | $5 million | No | Policy | Yes |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | ||||
| Domestic Pets | $500 | Yes | Yes | |
| Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. | ||||
Rental Vehicle Excess | ||||
| Rental Vehicle Insurance Excess | $5,000 | Yes | Policy | Yes |
| Covers for the excess payable on your rental vehicle insurance that you have with your car hire company. You can choose your level of cover up to $5,000 or up to $10,000. |
||||
Cruise | ||||
| Onboard Medical Expenses | unlimited | Yes | Yes | |
| Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured. | ||||
| Pre-paid Shore Excursions Cancellation | $1,000 | No | Adult | Yes |
| If you cannot participate in your pre-paid shore excursions due to your confinement in your cabin or in the cruise vessel’s medical centre as a result of circumstances outside of your control. | ||||
| Missed Cruise Departure | $2,500 | No | Adult | Yes |
| We will reimburse reasonable and necessary additional accommodation and travel expenses to get to the nearest port in your itinerary incurred after you leave your home in Australia. Please refer to the policy wording for full terms and conditions. | ||||
| Cabin Confinement | $1,500 | Yes | Adult | No |
| Reimbursement of $150 for each 24 hours if you are confined to bed in your cabin or the cruise vessel’s medical centre for more than 48 hours continuously. | ||||
| Missed Port Cover | $750 | Yes | Adult | Yes |
| We will reimburse $250 for each scheduled port your cruise never docks during your journey which is due to weather or natural disaster. | ||||
| Formal Attire Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse for your formal attire is stolen, damaged or permanently lost during your journey. | ||||
| Formal Attire Delay Allowance | $500 | No | Adult | No |
| We will reimburse you if your formal attire is delayed, misdirected or misplaced while on the outward portion of your journey for more than 12 hours from the time you boarded the cruise vessel. | ||||
Snow | ||||
| Emergency Rescue | unlimited | No | Yes | |
| Medical transfer or evacuation if you injure yourself whilst on the ski slope | ||||
| Snow Pack | $750 | No | Adult | Yes |
| Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness. | ||||
| Resort Closure | $1,000 | Yes | Adult | Yes |
| Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort. | ||||
| Winter Sports Equipment Cover | $1,500 | Yes | Adult | Yes |
| We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy. | ||||
| Winter Sports Equipment Hire | $1,000 | Yes | Adult | No |
| Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours | ||||
Bicycle Pack | ||||
| Bicycle Cover | $15,000 | Yes | Policy | Yes |
| Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use). | ||||
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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