You are covered up to the amount shown in
the Schedule of Cover in the event your trip is
necessarily and unavoidably cancelled prior to
departure or curtailed before completion because
of any of the following events first occurring
during the period of insurance:
a. the accidental serious injury, serious illness
or death of you, your relative, your travelling
companion, your business colleague or
person with whom you intend to stay at the
trip destination.
b. medical complications related to a
pregnancy, as certified by your Doctor,
where the expected birth is more than 18
weeks after you are booked to return home.
c. pregnancy that is confirmed during the
period of insurance, where the expected
birth is less than 18 weeks after you are
booked to return home.
d. your receipt of a summons for jury service,
being subpoenaed as a court witness or
being placed in compulsory quarantine.
e. your unexpected requirement for emergency
and unavoidable duty as a member of
the armed forces, police, fire, nursing,
ambulance or coastguard services resulting
in cancellation of previously agreed leave.
f. your redundancy, provided that you are
entitled to payment under the current
redundancy payments legislation and that at
the time of booking your trip you had no
reason to believe that you would be made
redundant.
g. your presence being required to make your
property safe and secure following fire, flood
or burglary that causes serious damage
to your home occurring within 48 hours of
departure, or whilst you are away.
h. a Government regulation following an
epidemic or natural disaster that stops you
from travelling.
i. a Level 4 warning (“do not travel”) issued
by the Australian government on the
www.smarttraveller.gov.au website advising
against travel to or through a country which
forms a major part of your itinerary or
prevention of access by the Government of
the country in question. Such advice against
travel must be issued after you booked
your trip or purchased your policy from us,
whichever is the latter and still be in place
14 days prior to your scheduled travel to
the country in question for this section to
respond.
For cancellation pre-departure:
In the event you necessarily cancel your planned
trip due to any of the abovenoted reasons, you
are covered in respect of either (1) irrecoverable
deposits or payments made for unused travel and
accommodation paid in advance or contracted
to be paid; or (2) at our option, for the additional
costs for alternative transport incurred to travel
at a later date or by another route to reach your
destination.
For curtailment post-departure:
You are covered in respect of reasonable
additional costs for travel and accommodation, a
proportionate refund of unused and irrecoverable
travel bookings and the original value of unused
airfares which cannot be used excluding airfares
for an Insured Person to return to their normal
country of residence in the event you necessarily
curtail your trip due to any of the abovenoted
reasons.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. any expenses that would normally have been
incurred during your trip.
c. the first part of each and every claim as
shown in the Schedule of Cover (the Excess).
d. any claim arising out of pregnancy where
you are travelling against your doctor’s
advice and/or if expecting to give birth within
18 weeks of completing your trip and/or
pregnancy up to 22 weeks gestation at the
date the policy ends, where complications
exist relating to this pregnancy, it is a multiple
pregnancy and/or the pregnancy is the result
of assisted reproductive programmes.
e. any claim which results from any condition
or circumstance known to you at the time of
applying for insurance where this condition or
circumstance could reasonably be expected
to result in the cancellation or curtailment of
your trip.
f. any cost incurred in respect of visas required
in connection with the trip. The provision,
loss or subsequent replacement of visas or
passports, other than as specifically included
under Section 6 hereunder.
g. pre-travel innoculations.
h. your disinclination to travel or your loss of
enjoyment.
Conditions
1. Frequent flyer or similar flight reward
programmes – claims for points lost due to
the cancellation of your airline ticket will be
reimbursed based on the nominated cash
value for those points given by the reward
programme operator.
We will not provide cover if the loss of such
points or their value can be recovered from
any other source.
2. It is a requirement of this Insurance that if you
a. become aware of any circumstances which
make it necessary for you to cancel your trip
prior to departure, you must advise your travel
providers in writing within 48 hours. The maximum
amount we will pay will be limited to the
applicable cancellation charges at that time.
b. wish to return home differently to your
original plans and claim any additional costs
under this insurance, you must contact our
nominated emergency service and obtain
their agreement to the new arrangements.
Failure to do so may affect the assessment of
your claim.
Please also refer to the General Exclusions and
Conditions of this policy.

You are covered if you are receiving in-patient
hospital treatment in a country outside of your
normal country of residence for more than 48
hours for a benefit payment of $150 for the
subsequent 24 hour period and a further $150
for each subsequent and complete 24 hour
period up to the maximum shown in the Schedule
of Cover. This benefit is only available where
your claim has been accepted under section 2
(Medical and other expenses) of this policy.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. any claim which is excluded under the
Exclusions applicable to section 2 or where
you have not complied with relevant policy
conditions.
Please also refer to the General Exclusions and
Conditions of this policy.

$100,000 for non-income earners.

Cover can be increased to $200,000 - please email us at travel@gosafetravelinsurance.com.au for more info.

You are covered in addition to any medical
expenses claim paid under Section 2 for the
amount shown in the Schedule of Cover if you
have an Accident whilst you are on your trip and
which is the sole and independent cause of your
death, Permanent Total Disablement, Loss of
Sight or Loss of Limb(s) within 12 months of the
Accident.
Payment under this section in respect of all the
consequences of an Accident shall be limited
in total to the amount shown in the Schedule
of Cover. In the event of your death within 12
months of the Accident, the total payment will be
limited to the amount shown for death.
Permanent Total Disablement means that for
the twelve months following your Accident you
are totally unable to work in any occupation for
which you are suited by experience, education
or training and at the end of that time there is no
prospect of improvement.
Loss of Limb(s) means complete physical loss
of a hand or foot or complete loss of use of a
hand, arm, foot or leg.
Loss of Sight means complete and permanent
loss of sight in one or both eyes.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. claims resulting from motorcycling and quad
biking.
c. claims arising out of manual and/or hazardous
labour.
d. claims arising out of disease, illness, self
injury or natural causes.
e. claims arising out of surgery unless as a
direct result of the Accident.
f. a claim for “Permanent Total Disablement” if
at the date of the Accident you are over the
statutory retirement age and are not in full
time paid employment.
Aggregate Liability
a. Except as stated below, Our total liability for
all claims arising under the Policy during any
one (1) Period of Insurance shall not exceed
$7,500,000
b. In the event that claims are made under the
Policy which exceed the above Aggregate
Limits of Liability, We shall reduce the
payments made with respect to each
Covered Person in such manner as We
may determine. Any determination as to the
amount payable in these circumstances shall
be made at Our entire discretion and shall
not be the subject of any challenge of any
kind.
Please also refer to the General Exclusions and
Conditions of this policy.

You are covered up to the amounts shown in the
Schedule of Cover, after making reasonable
allowance for wear, tear and depreciation for the
loss, theft or damage to:
a. your Personal Effects.
b. your Valuables. (see note below)
You are also covered up to the amount shown in
the Schedule of Cover in respect of Emergency
Purchases for the reasonable cost of buying
immediate necessities if your luggage is lost,
misdirected or misplaced by a Travel Carrier for
at least 24 hours on an outward leg of your trip.
You must provide original receipts for the items
that you buy. If your baggage is permanently
lost, any amount that we pay for Emergency
Purchases will be deducted from the total claim.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. the first part of each and every claim as
shown in the Schedule of Cover (the Excess)
except for Emergency Purchases claims.
c. more than the amount shown in the Schedule
of Cover for any one item, pair or set in
respect of Personal Effects and Valuables.
d. any additional value an item may have had
because it formed part of a pair or set.
travel insurance – combined product disclosure statement, policy wording AND financial services guide - version 1 8
8 Missed Departure/Connection
7 Travel Delay And Abandonment Of Trip
6 Personal Money, Travel Tickets & Passport
9 Hijack Benefit
e. breakage of fragile articles unless caused by
fire or by an accident to the aircraft, ship or
vehicle in which they are being carried.
f. any claim for loss, theft or damage to
valuables (except musical instruments that
are packed in appropriate carrier approved
protection) which have been checked-in
and/or transported in the cargo hold of
any aircraft, ship, bus, ferry, train or similar
transport.
g. loss or theft of or damage to
i. household goods, bicycles, waterborne
craft and their fittings of any kind.
ii. motor vehicles, trailers or caravans or any
fixtures, fittings or accessories therein or
thereon.
iii. watersports and snow sport equipment.
iv. contact or corneal lenses, dentures and
hearing aids.
v. business or professional goods, equipment
and samples.
vi. property hired or loaned to you.
vii. Personal Effects, Valuables or baggage
in transit unless reported to the carrier
immediately and a written Property Irregularity
Report is obtained.
viii. Personal Effects sent by post, freight or
any other form of unaccompanied transit.
ix. sports clothes and equipment whilst in use.
x. damage or loss caused by moth or vermin,
atmospheric or weather conditions or by
gradual wear and tear in normal use.
h. damage caused by any process of cleaning,
repair, restoration or alteration.
i. damage caused by leakage of powder or fluid
from containers carried in your baggage.
j. mechanical or electrical breakdown or
derangement.
k. more than $100 in respect of non-prescription
sunglasses unless substantiated by the
original purchase receipt predating the loss.
l. any GST liability or any fine, charge or penalty
for which you are liable because of a failure to
fully disclose your input tax credit entitlement
to us.
Please also refer to the General Exclusions and
Conditions of this policy.

Special exclusions applicable to Sections 5
and 6
You are not covered for
a. more than $250 in total under these sections
in respect of loss or theft of Personal Effects
left unattended in a public place, including on
a beach.
b. loss or theft of Valuables, Personal Money,
Passport and/or any item valued over $250
unless reported to the police or other relevant
authority within 24 hours of discovering the
loss and a written report obtained.
c. Valuables, Passport and Personal Money
stolen from an unattended motor vehicle,
motor home, camper van or caravan.
d. loss or theft or damage to Valuables,
pass-ports and / or Personal Money which
have been left behind, left unattended in a
public place (which includes dormitory type
accommodation which may be shared with
persons not in your immediate travel party)
or otherwise outside your immediate control
and supervision unless in a locked hotel
safe (or equivalent facility) or locked in your
private accommodation other than any motor
vehicle, motor home, camper van or caravan
irrespective of whether such vehicle is acting
as your private accomodation.
e. loss of bonds or securities of any kind.
f. delay, detention, seizure or confiscation by
customs or other officials.
g. unauthorized use of travellers cheques and/or
credit cards/debit cards.
Special conditions applicable to Sections 5
and 6
It is a requirement of this insurance that:
a. in the event of a claim, you must retain any
damaged items for our inspection, and
provide receipts or other documentation to
prove ownership and value, especially in
respect of Valuables and any item for which
you are claiming more than $250. Where this
is not done our maximum liability in respect of
all Valuables and / or items valued more than
$250, will be limited to $250 in total.
b. you take care of your property at all times and
take all practical steps to recover any item lost
or stolen. Failure to exercise all reasonable
care may result in your claim being reduced
or declined.
Please also refer to the General Exclusions and
Conditions of this policy.

The valuables limit is increased to $2,000 in respect of a camera, video camera, laptop, notebook
or hand held computer. Musical instruments are covered up to $1,000.

(Cover under this section in respect of Personal
Money starts at the time of collection from the
Bank, 72 hours prior to departure or issue of this
policy, whichever is the later.)
You are covered up to the amount shown in the
Schedule of Cover for:
a. theft of Personal Money.
b. loss, theft or damage to Passport or Visas in
respect of the cost of emergency replacement
or temporary passport or visas obtained whilst
abroad including reasonable and receipted
travelling and additional accommodation
expenses to obtain these documents.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. the first part of each and every claim as
shown in the Schedule of Cover (the Excess).
c. more than the amount shown in the Schedule
of Cover in respect of all cash carried by you
whoever it may belong to.
d. any loss resulting from shortages due to error,
omission or depreciation in value.
Special exclusions applicable to Sections 5
and 6
You are not covered for
a. more than $250 in total under these sections
in respect of loss or theft of Personal Effects
left unattended in a public place, including on
a beach.
b. loss or theft of Valuables, Personal Money,
Passport and/or any item valued over $250
unless reported to the police or other relevant
authority within 24 hours of discovering the
loss and a written report obtained.
c. Valuables, Passport and Personal Money
stolen from an unattended motor vehicle,
motor home, camper van or caravan.
d. loss or theft or damage to Valuables,
pass-ports and / or Personal Money which
have been left behind, left unattended in a
public place (which includes dormitory type
accommodation which may be shared with
persons not in your immediate travel party)
or otherwise outside your immediate control
and supervision unless in a locked hotel
safe (or equivalent facility) or locked in your
private accommodation other than any motor
vehicle, motor home, camper van or caravan
irrespective of whether such vehicle is acting
as your private accomodation.
e. loss of bonds or securities of any kind.
f. delay, detention, seizure or confiscation by
customs or other officials.
g. unauthorized use of travellers cheques and/or
credit cards/debit cards.
Special conditions applicable to Sections 5
and 6
It is a requirement of this insurance that:
a. in the event of a claim, you must retain any
damaged items for our inspection, and
provide receipts or other documentation to
prove ownership and value, especially in
respect of Valuables and any item for which
you are claiming more than $250. Where this
is not done our maximum liability in respect of
all Valuables and / or items valued more than
$250, will be limited to $250 in total.
b. you take care of your property at all times and
take all practical steps to recover any item lost
or stolen. Failure to exercise all reasonable
care may result in your claim being reduced
or declined.
Please also refer to the General Exclusions and
Conditions of this policy.

You are covered up to the amount shown in the
Schedule of Cover for necessary additional
accommodation and travel expenses that you
incur in reaching your destination if you arrive at
any departure point shown on your pre-booked
itinerary too late to board the public transport on
which you are booked to travel as a result of:
a. the failure of public transport, or
b. a road traffic accident or vehicle breakdown
delaying the vehicle in which you are
travelling.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. a claim caused by an event, occurrence or
strike if it had started or been announced
before you arranged this insurance or booked
your trip, whichever is the latter.
c. any claim under this section if you have also
claimed under Section 7 from the same cause.
d. any claim for more than the cost of the original
booked trip.
Conditions
It is a condition of this insurance that you must:
a. plan to arrive at your departure point in
advance of the carrier’s earliest scheduled
check-in time and provide a written report
from the carrier, Police or relevant transport
authority confirming the delay and stating its
cause.
b. obtain a report from repairers if your claim is
because of breakdown or accident to your car.
Please also refer to the General Exclusions and
Conditions of this policy.

You are covered up to the amount shown in the
Schedule of Cover for certain ransom / extortion
monies and other amounts if you are the subject
of a covered Kidnapping or Extortion whilst on an
insured trip.
You are also covered for
1. loss due to destruction, disappearance,
seizure or usurpation of Extortion/Ransom
Monies while being delivered to a person
demanding those monies by anyone who
is authorised by the you to have custody
thereof, provided however, that the Kidnap
or Extortion which gave rise to the delivery is
insured hereunder; and
2. the amount paid by you for Expenses
resulting directly from a Kidnap or Extortion
occurring during the Period of Insurance and;
and
3. reasonable costs of retaining independent
security consultants for the exclusive function
of investigating the Kidnap, negotiating the
your release, paying any ransom or recovery
of you provided that We have given Our prior
written consent to the use of such consultants.
4. the payments in paragraphs 1, 2 and 3 above
shall be inclusive of and not in addition to,
the benefit amount shown in the Schedule of
Cover.
Definitions
Expenses means any of the following:
1. reasonable payment made by you to a person
providing information which leads to the arrest
of the individuals responsible for a Kidnap or
Extortion insured hereunder;
2. reasonable and customary loan costs
incurred by you from a financial institution
providing money to be used for payment of
Extortion/Ransom Monies;
3. reasonable and customary travel and
accommodation costs incurred by you as a
result of a Kidnap or Extortion; of a Kidnap or
Extortion for up to:
a. thirty (30) days after your release from a
Kidnap;
b. discovery of your death; or
c. one hundred and twenty (120) days after
you receive the last credible evidence that the
insured is still alive; or
d. sixty (60) months from the date of the
Kidnap, if the victim has not been released.
4. personal financial loss suffered by you;
5. your travel costs if are the victim of a Kidnap
to join your immediate family upon your
release. Travel costs will be at economy fare;
6. reasonable and customary fees and
expenses of a qualified interpreter assisting
you in the event of a Kidnap or Extortion; and
7. any other reasonable and customary
expenses incurred by you with Our prior
approval in resolving a Kidnap or Extortion
insured hereunder.
Extortion means to intimidate by a threat or
series of threats to Kidnap or cause bodily injury.
Extortion/Ransom Monies means a
consideration paid for the return of a Kidnap
victim or consideration paid to terminate or
end an Extortion, to a person believed to be
responsible for the Kidnap or Extortion and
includes but is not limited to cash, securities,
marketable goods or services, property or
monetary instruments.
Kidnap means the illegal abduction and holding
hostage of one or more Covered Persons for the
purpose of demanding Extortion/Ransom Monies
as a condition of release. A Kidnap in which more
than one Covered Person is abducted shall be
considered a single Kidnap.

You are covered up to the amount shown in the
Schedule of Cover for reimbursement of car

rental insurance excess or the cost of repairing
the rental car, whichever is the lower amount, if
you rent a car from a rental company and it is
involved in a Motor Car Accident whilst you are
the driver or it is stolen during the journey. You
must provide a copy of the repair account and/
or quotation.
This cover does not take the place of rental
car insurance and only provides cover in
respect of damage to the hire car for which you
are legally liable up to the applicable section
limit.
You are not covered for
a. any claim which is excluded under the
General Exclusions applicable to this policy.
b. any claim arising directly or indirectly from
you operating a rental car in violation of
the rental agreement or whilst affected by
alcohol or any other drug with the exception
of medically prescribed drugs used in
accordance with dosage and directions
provided to you by your medical practitioner.
c. any claim arising directly or indirectly from
wear, tear, gradual deterioration, insects and
vermin, willful damage by you or latent defect/
damage.
d. any claim resulting from your use of the car
without an appropriate licence.
e. any claims arising directly or indirectly from
you hiring a motorcycle, scooter, motor home
or camper van.
f. any claims arising solely from damage to
windows, windscreen or tyres.
Please also refer to the General Exclusions and
Conditions of this policy.

An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible. There is no excess under the following sections:

Hospital Cash

Permanent disability / Accidental death

Luggage delay expenses

Travel delay benefit

Alternative tranport expenses ( excess reduced to $50)

Hijack benefit

Kidnap & ransom

Rental vehicle excess waiver

You can pay an additional $30 per person to remove the excess.

Sports/Leisure Activities
We provide cover for your amateur participation in a wide range of sports and leisure activities worldwide including whilst officially competing in individual and or team events up to amateur regional club level. Competing as a representative at state or national level competition may only be included after declaration to and acceptance by
Underwriters. Please note that there is no cover for your participation as a professional sportsman (i.e. where you the insured receives any form of remuneration for your participation in sport by way of wages, endorsements, sponsorship or prize monies) These activities which are automatically included are shown below:
Abseiling (provided by a licenced commercial operator), Adventure Racing, Angling, Archery, Athletics, Aussie Rules, Badminton, Bamboo Rafting, Banana Boating, Baseball, Basketball, Beach Volleyball, Biathlon (non-snow), Biking, BMX riding (no stunts/obstacles), Boardsailing/Windsurfing, Bouldering (cover may be extended to
include this activity - please visit www.rockclimbinginsurance.com.au for details), Bowling, Bowls, Bridge Swinging, Bungee Jumping (to a maximum of two per person, per trip), Bushwalking, Camel Riding, Canoeing, Canyoning (provided by a licenced commercial operator), Catamaran Sailing (within territorial waters), Clay Pigeon Shooting, Climbing (indoor), Cricket, Cross Country Running, Curling, Cycling, Cyclo-Cross, Deep Sea Fishing, Dinghy Sailing, Diving (High Diving), Dog Sledding, Dragon Boat Racing (including international competition), Dry
Slope Skiing/Boarding, Elephant Trekking/Riding, Endurance Tests, Expeditions, Fell Running, Fell Walking, Fencing, Fishing, Fives, Floorball, Football (not American), Gaelic Football, Go-Karting, Golf, Gymnastics, Handball, Hiking up to 6,000m, Hockey, Horse Riding (excluding racing, jumping or competing) Hot Air Ballooning
(provided by a licenced commercial operator), Hurling, Ice Skating excluding Speed Skating, Inline Skating, Jet Boating, Jet Skiing, Jogging, Kayaking (up to grade 3 rivers ), Kendo, Kite Surfing, Lacrosse, Marathon Running, Martial Arts not involving intentional bodily contact, Modern Pentathlon, Motor Cycling (if you hold a current
and appropriate motorcycle licence), Mountain Biking (recreational), Mountaineering (cover may be extended to include this activity - please visit www.rockclimbinginsurance.com.au for details), Netball, Orienteering, Outdoor Endurance Events, Outrigging, Overland Trips, Paintballing (provided by a licenced commercial operator), Parachute Jumping - static line - (provided by a licenced commercial operator), Paragliding (provided by a licenced commercial operator), Parapenting (provided by a licenced commercial operator), Parasailing (provided by a licenced commercial operator), Parascending (provided by a licenced commercial operator), Pistol Shooting, Pony Trekking, Quad Biking, Racketball, Rackets, Rambling, Rap Jumping (provided by a licenced commercial operator), Reenacting (excludes use of live ammunition), Rifle Shooting, Ringos, Rock Climbing (cover may be extended to include this activity - please visit www.rockclimbinginsurance.com.au for details), Roller Blading, Roller Hockey, Rounders, Rowing, Rugby League (upon application), Rugby Union (upon application), Rugby Sevens (upon application), Running, Safari trekking (provided by a licenced commercial operator), Sail Boarding, Sailing/Yachting - recreational within territorial waters, Sand Dune surfing/skiing, Scrambling, Scuba Diving (up to 30m depth - see notes below), Sea Canoeing, Sea Kayaking, Shark Diving - in cage - (provided by a licenced commercial operator), Shinty, Shooting, Skate Boarding, Sky Diving - Tandem (provided by a licenced commercial operator), Snorkeling, Snow Sports Activities (see below), Soccer, Softball, Squash, Street Hockey, Summer Tobogganing, Surfing, Swimming, Table Tennis, Tennis, Tobogganing, Touch Football, Tramping, Trampolining, Trekking (up to 6,000m without ropes, picks or other specialist climbing equipment); Trekking - with ropes, picks or other specialist equipment (cover maybe extended to include this activity, please visit www.rockclimbinginsurance.com.au for details ); Triathlon, Tug-of-War, Via Ferrata (using established routes and fixed apparatus), Volleyball, Wakeboarding, Walking, War Games, Water Polo, Water Skiing, White Water Canoeing/ Rafting (up to and including Grade 4), Windsurfing, Zorbing.
However your participation in any activity not shown above is specifically excluded.
The following Snow Sports activities are covered, subject to you having entered the dates that you plan to participate in snow sports and these dates are shown in your certificate of insurance:
Back Country Skiing and Snowboarding*; Biathlon (ski); Snowcat Skiing/Boarding*; Cross Country Skiing; Glacier Skiing; Glacier Walking; Snow Monoskiing; Ski Randonee*; Ski Touring*; Skiing – snow (On Piste); Skiing (Off
Piste)*; Snowblading; Snowboarding (On Piste); Snowboarding (Off Piste)*. *These activities are covered subject to you indicating that you require “off-piste” cover when taking out your snow sport policy.

Scuba diving is covered subject to the restrictions shown in the General exclusions. In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless you have entered the dates when you plan to participate in snow sports and these dates are shown on your Certificate of Insurance. At no time,
however, is cover granted for ski, snow board, snow blade, or skibob racing in competitive events, ski jumping, ice-hockey or the use of skeletons or bobsleighs.