Multi-Trip Travel Insurance

• Overseas Emergency Assistance^1,3
  Allianz Global Assistance is available to help you with any overseas medical emergency. You can contact Allianz Global Assistance 24 hours a day, seven days a week.
• Overseas Medical & Hospital Expenses^1,3
  If you’re injured or become sick while overseas, we’ll reimburse the reasonable medical or hospital expenses you incur until you return to Australia, provided the relevant injury or sickness is covered by your policy.
• Personal Liability^1,4
  If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:

• The compensation (including legal costs) awarded against you
• Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs

• Funeral Expenses³
  If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition we have agreed in writing to cover, during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we'll pay under the Funeral Expenses benefit is the benefit limit for the plan you've selected.

• Accidental Death¹
  If, during the period of cover for your journey:
• a) you’re injured and due to that injury you die within 12 months of it occurring; or
• b) something you’re travelling on or in disappears, sinks or crashes and your body isn’t found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate.

• Permanent Disability^1,3,4
  If you’re injured during the period of cover for your journey, and
• a) due to that injury, you suffer permanent disability within 12 months of the injury occurring; and
• b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement;

we’ll pay the benefit limit payable under the Permanent Disability benefit to you.

• Cancellation¹
  If during the period of cover, your journey is cancelled, rescheduled or shortened because of circumstances that weren’t expected or intended by you and are outside your control, we’ll reimburse you:

• The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
• For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

You can choose different levels of cover when you buy your policy.

• Additional Expenses¹
  We’ll reimburse reasonable additional accommodation and travel expenses if you or your travel companion can’t continue your journey, need to return to Australia, or your journey is otherwise disrupted due to any of the events described under the Additional Expenses section in the PDS.
• Travel Delay Expenses^1,3
  If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses.  
• Alternative Transport Expenses^1,3
  If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover – and that means you wouldn’t arrive on time to one of the events listed in the Alternative Transport Expenses section of the PDS which, before you left Australia, you’d planned to attend or utilise while you were overseas – we’ll pay your reasonable additional travel expenses to enable you to arrive on time.
• Luggage, Personal Effects & Valuables¹
  Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the PDS for the exceptions to this cover.
• Luggage & Personal Effects Delay Expenses¹
  If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.

• Travel Documents, Transaction Cards & Travellers Cheques^1,3
  If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or traveller's cheques are lost, stolen or destroyed, we’ll reimburse you:

• the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or
• any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.

• Theft of Cash¹
  If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the PDS. 
• Rental Vehicle Excess¹
  If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)¹:

• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen.