Multi-Trip plan

Multi-Trip Plan

Plan Benefits

The Multi-Trip Plan is a policy for frequent/business travellers, providing comprehensive cover for multiple journeys over a year. Your insurance only applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home. The maximum period for any one journey is 15, 30 or 45 days. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home. (note that there is no cover for medical cost incurred within Australia)

Note: The cancellation benefit is a benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the Product Disclosure Statement (PDS) carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the PDS.

Section Benefit Limit
1.1* Overseas Emergency Assistance^ unlimited
1.2* Overseas Emergency Medical and Hospital Expenses^
- Emergency Dental Expenses [Per Person]
unlimited
$1,000
1.3* Accidental Death $25,000
1.4* Permanent Disability^ $25,000
1.5* Hospital Cash Allowance^ $5,000
1.6* Loss of Income^ $10,400
2.1* Cancellation Fees and Lost Deposits unlimited
3.1* Additional Expenses $50,000
3.2* Travel Delay Expenses $2,000
3.3 Alternative Transport Expenses^ $5,000
3.4 Return Airfare^ $3,000
3.5* Domestic Services^ $500
3.6* Domestic Pets^ $500
4.1* Luggage and Personal Effects $10,000
4.2* Luggage and Personal Effects Delay Allowance $500
4.3 Travel Documents, Transaction Cards & Travellers Cheques^ $5,000
4.4 Theft of Cash $250
5.1* Rental Vehicle Excess $3,000
6.1 Personal Liability $2.5 million

 

* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.

^ you do not have cover under these sections while travelling in Australia.

Additional Options - Snow Pack

Section Benefit Limit
7.1* Emergency Rescue^ ^^ $100,000#
7.2* Own Snow Sport Equipment^^ $2,000#
7.3 Snow Sport Equipment Hire^^ $2,000#
7.4 Snow Sport Pack^^ $1,000#
7.5* Piste Closure^^ $1,000#
7.6 Bad Weather & Avalanche Closure^^ $1,000#

 

Additional Options - CruisePack

Section Benefit Limit
7.7 Medical cover while Cruising^^
- Emergency Dental Expenses [Per Person]
unlimited
$1,000
7.8* Evacuation Cover - Ship to Shore^^ unlimited
7.9* Cabin Confinement^^ $500
7.10 Pre-paid Shore Excursion Cancellation^^ $1,000
7.11 Formal Cruise Attire Lost or Damaged^^ $1,000
7.12 Formal Cruise Attire Delayed^^ $250
7.13* Marine Rescue Diversion^^ $500

 

* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.
^ you do not have cover under these sections while travelling in Australia.

^^ you only have cover for these sections if the relevant Pack has been purchased.

# Please note that where one adult is shown as covered on the Certificate of Insurance, the benefit limit which will apply for this section will be the benefit limit for single cover for the Plan selected.

 

Summary of Benefits

This is only a summary of the benefits. Please read the product disclosure statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan.
Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

1.1 Overseas Emergency Assistance – Nil Excess

Cover for emergency assistance including:

  • 24 Hour Emergency Medical Assistance
  • Ambulance
  • Medical Evacuations
  • Funeral Arrangements
  • Messages to family
  • Hospital Guarantees

Plan Limit: Unlimited Benefit

1.2 Overseas Emergency Medical/Hospital/Dental Expenses

Cover for overseas medical treatment if you are injured or become sick overseas, including:

  • Medical
  • Hospital
  • Surgical
  • Nursing
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth - $1,000 limit

Plan Limit: Unlimited Benefit

1.3 Accidental Death

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury

Plan Limit: $25,000

1.4 Permanent Disability

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey

Plan Limit: $25,000

1.5 Hospital Cash Allowance – Nil Excess

An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours

Plan Limit: $5,000

1.6 Loss Of Income

A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days

Plan Limit: $10,400

2.1 Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters

Plan Limit: Unlimited Benefit

3.1 Additional Expenses

Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:

  • Sickness
  • Accidental injury
  • Death

Also cover for Travelling Companion or Relative's accommodation and travel expense to travel to, stay near or escort you resulting from:

  • Hospitalisation
  • Medical Evacuation

Plan Limit: $50,000

3.2 Travel Delay Expenses

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Plan Limit: $2,000

3.3 Alternative Transport Expenses

Cover for additional travel expenses following transport
delays to reach events such as:

  • Wedding
  • Funeral
  • Conference
  • Sporting Event
  • Pre-paid travel/tour arrangements

Plan Limit: $5,000

3.4 Return Airfare

Cover for return travel costs, where the attending medical adviser, approved by us, requires you to be brought back to your home, and:

  • there are more than 5 days of the journey, or 25% of its length, whichever is the greater left to go; or
  • you have been confined to hospital overseas for more than 25% of the journey.

Plan Limit: $3,000

3.5 Domestic Services – Nil Excess

Cover where you are injured during your journey and become disabled as a result of the injury, we will reimburse you up to $50 per day in respect of expenses incurred in the provision of housekeeping services that you are unable to perform yourself provided that:

  • the disablement continues after you return to your home; and
  • you have a medical certificate confirming your disablement and verifying the need for housekeeping services during the period of your disablement.

Plan Limit: $500

3.6 Domestic Pets – Nil Excess

Cover where you are delayed beyond the original end date of your journey due to an event covered by this policy, we will reimburse you:

  • up to $25 for each 24 hour period in respect of additional boarding kennel or boarding cattery fees incurred in Australia, for domestic dogs and cats owned by you.
  • up to $500 for veterinary fees incurred in Australia.

Plan Limit: $500

4.1 Luggage and Personal Effects (Additional Cover Options Available)

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Mobile Phones
  • Personal Computers
  • Cameras

Plan Limit: $10,000

4.2 Luggage and Personal Effects Delay Expenses – Nil Excess

Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours

Plan Limit: $500

4.3 Travel Documents, Transaction Cards & Travellers Cheques

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Debit Card, Credit Card or Travel Money Card.
  • Travel Documents
  • Travellers Cheques

Plan Limit: $5,000

4.4 Theft Of Cash - Nil Excess

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

Plan Limit: $250

5.1 Rental Vehicle Excess

Cover for the excess payable on a Rental Vehicle resulting from your rental vehicle being:

  • Stolen
  • Crashed
  • Damaged and/or cost of returning rental vehicle due to you being unfit

Plan Limit: $3,000

6.1 Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Plan Limit: $2.5 million

7.1 Emergency Rescue

Cover for assistance services if you injure yourself, or become sick while participating in snow sport activities overseas, including:

  • Access to a medical adviser for emergency medical treatment
  • Messages passed to Family or Employer
  • Provision of Hospital Guarantees
  • Medical Evacuations
  • Funeral Expenses

Plan Limit: $100,000

7.2 Own Snow Sport Equipment

Cover If, during your journey, your snow sport equipment is stolen, accidentally damaged or is permanently lost, including:

  • Either the repair cost; or
  • the replacement cost;

Plan Limit: $2,000

7.3 Snow Sport Equipment Hire

Cover for loss, theft of, or accidental damage to, your snow sport equipment; or the misdirection or delay of snow sport equipment owned by you, for a period more than 24 hours, including:

  • Cost of hiring alternative snow sport equipment

Plan Limit: $2,000

7.4 Snow Sport Pack

Cover for Pre-booked and pre-paid ski passes, snow sport equipment hire, tuition fees or lift passes, including:

  • The irrecoverable cost of the unused portion for each insured person

Plan Limit: $1,000

7.5 Piste Closure

Cover for bad weather or power failure, preventing you from participating in your planned snow sport activities, including:

  • The cost of transport to the nearest resort with open lift systems; or
  • The cost of additional ski passes.

Plan Limit: $1,000

7.6 Bad Weather & Avalanche Closure

Cover due to avalanche or bad weather delays your departure for more than 12 hours from your scheduled departure time, including:

  • Extra travel and accommodation expenses

Plan Limit: $1,000

7.7 Medical cover while Cruising

Cover for injury or sickness while travelling on a cruise vessel, including:

  • Medical
  • Hospital
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth - $1,000 limit

Plan Limit: Unlimited Benefit

7.8 Evacuation Cover - Ship to Shore

Cover if you injure yourself, or become sick during travel on a cruise vessel provided the relevant injury or sickness is covered by your policy., including:

  • Access to a medical adviser for emergency medical treatment
  • Messages passed to Family or Employer
  • Provision of Hospital Guarantees
  • Medical Evacuations
  • Funeral Expenses

Plan Limit: Unlimited Benefit

7.9 Cabin Confinement

Cover where as a result of an injury or sickness during your journey, you are confined to your cabin or the cruise vessel’s hospital for a continuous period of more than 48 hours then we will pay you $50 for each day in excess of 48 hours that you continue to be confined.

Plan Limit: $500

7.10 Pre-paid Shore Excursion Cancellation

Cover where you cannot participate in your pre-paid shore excursion(s) due to your confinement in your cabin or in the cruise vessel’s hospital as a result of circumstances outside your control, we will pay you, your cancellation fees and lost deposits.

Plan Limit: $1,000

7.11 Formal Cruise Attire Lost or Damaged

Cover If during your journey, your formal wear is stolen, accidentally damaged or is permanently lost we will pay the lesser of:

  • Either the repair cost; or
  • the replacement cost.

Plan Limit: $1,000

7.12 Formal Cruise Attire Delayed

Cover if your formal wear is delayed, misdirected or misplaced for over 12 hours from the time you boarded the cruise vessel, and it is necessary to purchase or hire replacement formal wear, we will reimburse you, your reasonable expenses.

Plan Limit: $250

7.13 Marine Rescue Diversion

Cover if during your journey, your cruise vessel diverts from its scheduled course in order to affect a marine rescue in accordance with obligations under international conventions governing the Law of the Sea, and Search and Rescue we will pay you $100 for each day your cruise vessel diverts, up to a maximum of 5 days.

Plan Limit: $500

IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST