Our policies provide cycling cover for unlimited hospital, medical and surgical expenses, personal accident and personal liability due to an unforeseen accident, illness or injury.
We do not provide coverage for Competitive Cycling, mountain biking, downhill racing and/or extreme stunts or ground conditions.
Your potential coverage for claims relating to Mount Agung will depend on the date and time at which you purchased your policy, and whether you purchased natural disaster cover as an add-on to your policy.
Please note: medical expenses incurred due to natural disasters are automatically covered in all international policies, without having to purchase the natural disaster cover option.
Medical evacuation is covered as long as medically necessary and emergency. The decision is taken by the claims/assistance team, based on the medical situation and other facts/circumstances.
Cancellation cover starts on the date of purchase on Silver and Gold policies.
Cancellation is covered if the insured cannot travel due to medical reasons, the death of a relative, an unknown natural disaster (if you have included this option in your policy), serious damage to the home in Australia and so on. In any such event, the insured can cancel and claim for the non-recoverable pre-booked expenses lost on the trip.
Depending on your specific needs, we can provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination (Page 7 of our PDS).
For prescribed medications and maintenance and in case they get lost during a trip, this can be covered for as long as the medical condition related to these medications are declared.
As for preventive vaccination, we primarily advise to visit your GP and ask for options. Also, look out for the health section in Smarttravelers.gov.au to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.
Depends on the reason. We cover curtailment of the trip for the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs OR if there is a serious damage to your home or business premises in Australia.
Read the PDS for more info.
Under our travel insurance policies, we will cover items that accompany you for individual and personal use during the trip. Based on the level of cover selected, we will pay up to the amount offered by your policy for items owned (not rented) by you that are lost, stolen or damaged during your trip.
Two & three-wheeled vehicles are covered provided you and your passengers are wearing a helmet, and if the vehicle is rated under 125cc; or if rated over 125cc you hold a valid driver’s license for the equivalent rated vehicle in Australia.
Our policies provide certain coverage for COVID-19-related events. You can find more information about our coverage here.
Always read the PDS and Target Market Determination to make sure this product is right for you.
Any claim arising from conditions where you, your partner, or your travelling companion are affected by an Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV) is not covered.
