Auspost Travel Insurance PDS

Travel Insurance
Product Disclosure Statement

Effective 5 August 2015
For a quote or to find out more:

1300 728 015 auspost.com.au/travelinsurance
This insurance is issued by Great Lakes Reinsurance (UK) SE (ARBN 127 740 532,
ABN 18 964 580 576, AFSL 318603), trading as Great Lakes Australia.
Table of Contents Why Choose Australia Post
Product Disclosure Statement (PDS) 3-51
Travel insurance?
Why Choose Australia Post Travel insurance? 3
How To Buy 3
Australia Post delivers great value travel insurance
Money Back Guarantee 4
You can depend on. We have plans to cover Your
Contact Us 4
international or domestic trip and for frequent
The Cover 6
travellers, We have an annual multi-trip option.
Benefits Table 6
Options To Vary Cover 8

When Youre overseas, if You fall ill or become injured, it
Choose An Excess 8
can be expensive. This policy includes access to Our
Increase Your Luggage Cover* 8
24 hour emergency assistance team who can take care
Increase Your Rental Car Insurance Excess Cover^ 8
of hospital payments and monitor Your care.
Add Cover For Motorcycle/Moped Riding 9
Add Cover For Snow Skiing, Snowboarding

Travelling can be an amazing experience, but should
And Snowmobiling 9
the unexpected occur, You can depend on Australia
Activities Included In Your Cover 10
Post TravelInsurance.
Extending Your Journey 10
Existing Medical Conditions 11

How To Buy
Getting Cover for Existing Medical Conditions 11
Buy travel insurance online at

Conditions We Automatically Cover 11
auspost.com.au/travelinsurance
Conditions Which Cannot Be Covered 13
Or call 1300 728 015 to purchase a policy over the

Conditions We Need To Assess 13
phone (available 7 days).

Pregnancy 13
24 Hour Emergency Assistance 14
Claims 15
How To Make A Claim 15
How Long Will My Claim Take? 16
Information To Know Before You Buy 16
Who Is The Insurer? 16
The Financial Claims Scheme 16
Who Is Travel Insurance Partners? 16
Who Is Australia Post? 17
Who Is Responsible For This Document? 17
When And How Are Benefits Provided? 17
Additional Policy Information 17
Change Of Terms And Conditions 18
Your Duty Of Disclosure 18
Code Of Practice 19
The Amount You Pay For This Insurance 19
How Various Factors Affect The Amount Payable 19
How A Claim Payment Is Calculated 20
Your Privacy 21
Resolving Complaints 24
Policy Wording 26
Words With Special Meanings 26
Policy Conditions 30
The Benefits 35
General Exclusions 48
Financial Services Guide Statement (FSGS) 52-55
Financial Services Guide Statement 52
2 Product Disclosure Statement To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 3
Money Back Guarantee
Should You cancel this policy for any reason within the
cooling off period which is within 15 working days of the
date of purchase, We will give You Your money back.
Our money back guarantee ensures a refund of the
entire premium unless You have already:
made a claim under the policy; or
departed on Your Journey.
Should You wish to cancel Your policy and receive a full
refund, please contact Us within the cooling off period.
Contact Us
Customer Service
1300 728 015
auspost@travelinsurancepartners.com.au
Australia Post Travel Insurance, c/o Travel Insurance
Partners, PO Box 168 North Sydney NSW 2060
Claims
1300 728 015
auspost-claims@travelinsurancepartners.com.au
Existing Medical Conditions
1300 728 015
auspost-assessments@travelinsurancepartners.com.au
24 Hour Emergency Assistance
See pages 14-15.
The Cover
Benefits Table
International
International
Benefits Comprehensive Domestic Plan
Basic Plan
Plan
1 Overseas Medical and Dental Expenses $Unlimited# $Unlimited# -
2* Additional Expenses $Unlimited $Unlimited $10,000
3* Amendment or Cancellation $Unlimited - $10,000
4* Luggage and Personal Effects $7,500 - $4,000
5 Travel Documents $5,000 - $4,000
6* Delayed Luggage Allowance $750 - -
7 Money $250 - -
8 Rental Car Insurance Excess $3,000 - $3,000
9* Travel Delay $2,000 - $1,000
10 Resumption of Journey $3,000 - -
11 Special Events $5,000 - -
12* Hospital Incidentals $5,000 - -
13* Loss of Income $10,000+ - -
14* Disability $25,000 +

$10,000 $10,000^
15* Accidental Death $25,000+ $10,000 $10,000^
16 Personal Liability $5,000,000 $5,000,000 $5,000,000
Excess Options $0 or $100 $0 or $100 $50
Single Trip or Single Trip or Single Trip or

Plan Types
Annual Multi-Trip Annual Multi-Trip Annual Multi-Trip
#
Medical cover will not exceed 12 months from onset of the illness This is only a summary of the benefits provided. Please
or injury. read the PDS carefully to understand what this policy
*Sub-limits apply. covers. Importantly, please note that exclusions,
conditions, limits and sub-limits apply.
Maximum liability collectively for Sections 13, 14 and 15 is $25,000
+
on the International Comprehensive Plan. Single Trip Or Annual Multi-Trip?

Maximum liability collectively for Sections 14 and 15 is $10,000 on
^
If You want cover for just one trip, then a Single Trip
the Domestic Plan. policy is for You. If You plan on getting away more than
once a year, Our worldwide Annual Multi-Trip policy is a
more convenient and economical option.
Options To Vary Cover Add Cover For Motorcycle/Moped Riding
If You wish to be covered for riding a motorcycle
Choose An Excess (including a moped) as the driver or pillion passenger
Our International Plans allow You to choose Your during Your Journey, You must pay an extra premium.
excess. The higher the excess You choose, the lower Even if You pay the extra premium You will only be
Your premium. You can choose from: covered if:
$0 excess The engine capacity is 200cc or less;
$100 excess You are wearing a helmet;
Your excess will be shown on Your Certificate You are not participating in a Professional capacity;
of Insurance.
You are not racing; and
Increase Your Luggage Cover* Whilst in control of a motorcycle, You hold a licence
The single item limit is the most You can claim for any valid in the relevant country.
single item (including sets or pairs of accessories). The Note: No cover will apply under Section 16
following limits apply: Personal Liability.
Add Cover For Snow Skiing, Snowboarding And
Mobile Snowmobiling
Cameras Laptop &
phones Other
Plan & video tablet
& smart items If You wish to be covered for these winter sports during
cameras computers
phones
Your Journey, You need to pay an extra premium. Even if
International You do pay the extra premium We will not cover You if:
Comprehensive $3,500 $3,000 $800 $500 You are skiing or snowboarding outside the resort
Plan boundaries or in an out of bounds area within
Domestic the resort;
$500 $500 $500 $500
Plan You are racing; or
If You are travelling with an item which is valued at You are participating in a Professional capacity.
more than the limits shown above, You may increase
the item limit by paying an additional premium.
For a single item You may increase the limit by up to
$4,500 and for multiple items the most We will pay is
$7,500. Receipts or valuations (less than 12 months old)
must be available if requested.
*There is no luggage cover on the International
Basic Plan.
Increase Your Rental Car Insurance Excess Cover^
Hiring a car whilst away and not wanting to pay
a large excess should You have an accident? Our
International Comprehensive and Domestic Plans
automatically cover a rental car insurance excess of
$3,000. If that is not enough cover, You can increase
this amount by paying an additional premium.
There is no Rental Car insurance excess cover on the
^
International Basic Plan.
Activities Included In Your Cover
Existing Medical Conditions
If You are participating in the following activities
whilst on Your Journey You will be covered by Our (You Or Your Travelling Companion)
International Comprehensive, International Basic and This policy does not automatically cover claims
Domestic Plans. arising from, or exacerbated by, some existing
Abseiling medical conditions.
Archery An Existing Medical Condition is:
Ballooning
a) Any physical defect, condition, illness or disease for which
Bungy Jumping treatment, medication or advice has been received or
prescribed by a medical or dental advisor in the 90 days
Flying Fox prior to the Relevant Time; or
Horse Riding b) Any chronic or ongoing (whether chronic or otherwise)
Jet Boating medical or dental condition, illness or disease medically
documented prior to the Relevant Time.
Jet Skiing
Kayaking Relevant Time in respect of:
Paragliding a) Single Trip policies means the time of issue of
Parasailing the policy.
Snorkelling b) Annual Multi-Trip policies means the first time at
Surfing which any part of the relevant trip is paid for or
Trekking the time at which the policy is issued, whichever
occurs last.
White Water Rafting
Working Holidays If You are unsure whether You have an Existing Medical
Condition, please phone Us.
Participation in these activities is subject to the
ordinary terms of cover and in particular general Getting Cover for Existing Medical Conditions
exclusion 16 on page 51 and Section 16 Personal
There are three categories of Existing
Liability exclusion 3 on page 48.
Medical Conditions:
Extending Your Journey
conditions We automatically cover.
Having too much fun? If You wish to be insured for conditions which cannot be covered.
longer than the original period You will need to
conditions We need to assess.
purchase a new policy through Us prior to the expiry
date shown on Your original Certificate of Insurance. Please review each of these categories to determine
which categoryapplies.
Note: It is a new policy, not an extension of Your
previous policy. Should a medical condition first present Conditions We Automatically Cover
itself prior to the time of issue of the new policy, it may Subject to the requirements shown, this policy
be considered an Existing Medical Condition under the automatically covers:
new policy and therefore may not be covered by the
new policy. Acne If You have not required treatment by a medical
practitioner in the last 60 days.
Allergies If the condition has not required treatment
by a medical practitioner in the last 6 months and You
have no known respiratory conditions (e.g. Asthma).
Asthma If no exacerbation requiring treatment by a Menopause Provided You do not suffer
medical practitioner in the last 12 months. You must from Osteoporosis.
also be under 60 years of age.
Peptic/Gastric Ulcer If the condition has remained
Breast/Prostate/Kidney/Bowel/Colon Cancer If You stable for the last 6 months.
were diagnosed over 6 months ago, have not had any
Skin Cancer (excluding Melanoma) Provided the skin
chemotherapy or radiotherapy in the last 6 months,
cancer was excised more than 30 days ago.
Your cancer has not spread beyond the primary site
at any time and Your Journey is less than 6 months. Underactive/Overactive Thyroid If not as a result of
In respect of prostate cancer You must also have a a tumour.
Prostate Specific Antigen (PSA) of 10 or less.
Conditions Which Cannot Be Covered
Cataracts/Glaucoma If You have no ongoing
complications, are not on a waiting list for an operation Under no circumstances is cover available for:
and have not been operated on in the last 30 days. conditions involving the back or neck.
Coeliac Disease If the condition has not required conditions involving drug or alcohol dependency.
treatment by a medical practitioner in the last conditions for which You are travelling to seek
6 months. medical treatment orreview.
Diabetes/Glucose Intolerance If You were travel booked or undertaken against the advice of
diagnosed over 6 months ago and have not had any any medicaladviser.
complications in the last 6 months. You must have Conditions We Need To Assess
a Blood Sugar Level reading between 4 and 12 or a
HbA1C score of 9% or less. You must also not currently For all other medical conditions You will need to
be undergoing any treatment for kidney, eye or complete an online medical assessment. You can
nerve complications. complete this as part of Your travel insurance quote by
visiting auspost.com.au/travelinsurance. For assistance
Ear Grommets With no current infection at the or if You have already purchased a policy please
Relevant Time. call1300 728 015.
Epilepsy If there are no underlying medical conditions Note: any traveller who has ever been diagnosed with
(e.g. previous head trauma, stroke) and You have not a heart or lung condition (not including Asthma if under
required treatment by a medical practitioner for a 60 years) or any traveller with reduced immunity (e.g.
seizure in the last 2years. as a result of medical treatment or a medical condition)
Gastric Reflux If the condition does not relate to will need to complete a medical assessment if they
another underlying diagnosis (e.g. Hernia/Gastric Ulcer). are travelling to the Americas or Africa for any length
of time.
Gout If the gout has remained stable for the last
6 months. Pregnancy
Hiatus Hernia If no surgery is planned.
If You are aware of pregnancy at the time of issue
Hip/Knee Replacement If performed more than 6 of the policy, an online medical assessment must be
months ago and less than 10 years ago. completed if any of the following apply:
Hypercholesterolaemia (High Cholesterol) If You 1. there have been complications with this or any
have no known heart conditions. previous pregnancy; or
Hypertension (High Blood Pressure) If You have 2. the conception was medically assisted (including
no known heart conditions and Your current blood hormone therapies and IVF).
pressure reading is lower than 165/95.
Whether or not You have to apply, the following All services are subject to a claim being accepted
restrictions apply to all pregnancies: under Your policy.
cover is only provided for unexpected serious Contact Emergency Assistance
pregnancy complications which occur before the
From Canada and the USA call: 1855 802 3393
26th week of pregnancy.
From NZ call: 0800 284 343
no cover is provided for childbirth or the health of a
From the UK call: 0800 096 8819
newborn child, irrespective of the stage of pregnancy
The cost of a local call may be required if calling from a
at which the child is born.
payphone. Charges apply if calling from a mobile phone.
Expectant mothers should therefore consider whether From all other countries call: +61 (0) 2 8907 5647
they travel and buy this policy, particularly if travelling
When You call, please have the following information:
beyond the 20th week of pregnancy.
Your policy number; and
Visit auspost.com.au/travelinsurance and complete an a phone number We can call You back on.
online medical assessment or phone 1300 728 015. If You are experiencing difficulties with one of the numbers
above, call Australia: +61 (0) 2 8907 5647
Claims
All policy holders have access to an emergency
assistance team of doctors, nurses, travel agents and Before making a claim please refer to Policy Conditions
case managers who are contactable 24 hours a day, 4 and 5 on pages 31-32.
365 days a year.
How To Make A Claim
Our emergency assistance team provides the following
services to all policy holders: Submit Your claim online
Assistance in accessing medical treatment and Visit claims.travelinsurancepartners.com.au and

care whilst away follow the online claims system.
Our team of case managers, nurses and doctors will Submitting Your claim online will ensure You get the
assist You to find medical facilities and then monitor fastestresponse.
Your medical care.
The system will prompt You to upload receipts and
Payment of bills other supporting documentation.
Falling ill overseas can be very expensive so those OR complete and post in a claim form
significant medical expenses can be paid by Us directly
to the hospital. You can download a travel insurance claim form from
auspost.com.au/travelinsurance.
Bringing You Home
When posting Your completed claim form You will need
Our team can decide if and when it is appropriate to
to attach supporting receipts and other documents.
bring You Home and will coordinate the entire exercise.
We require originals, so please make copies of these
Assistance when passports, travel documents or documents before posting the originals.
credit cards are lost
Post Your completed claim form to:
If You need assistance in contacting the issuer of the
Australia Post Travel Insurance Claims
document, Our emergency assistance team can help.
c/o Travel Insurance Partners
Help to change travel plans as a result of an PO Box 168
emergency North Sydney NSW 2060
If Your travel consultant is not available to assist with Australia
rescheduling in an emergency situation, Our team
can help.
How Long Will My Claim Take? Who Is Australia Post?
We understand that as a result of Your incident You The Australian Postal Corporation (ABN 28 864 970
might already be out of pocket, so We aim to process 579, AR 338646) arranges the issue of the insurance to
claims as quickly as possible. You will hear from Us You as an authorised representative of Australia Post
within 10 working days from the time We receive Services Pty Ltd (ABN 67 002 599 340, AFSL 457551) on
Your claim. behalf of Travel Insurance Partners who acts under a
binder with the insurer. See the Financial Services Guide
Do You Need Assistance? Statement on pages 52-55 for details.
We are here to help You. Who Is Responsible For This Document?
Email: auspost@travelinsurancepartners.com.au
Great Lakes Australia is responsible for the PDS.
Call: 1300 728 015 (or +61 (0) 2 8907 5011)
When And How Are Benefits Provided?
Information To Know Before The benefits for which You are insured under this policy
You Buy are payable:
when an insured event occurs during the Period Of
Who Is The Insurer?
Insurance causing You to suffer loss or damage or
This insurance is issued by Great Lakes Reinsurance incur legal liability; and
(UK) SE trading as Great Lakes Australia, an Your claim is accepted by Us.
authorised Australian insurer, regulated by the

After calculating the amount payable We will either:
Australian Prudential Regulation Authority (APRA).

pay for replacement of (after allowing for
Great Lakes Australia is a branch of Great Lakes
depreciation) or repair of Your personal luggage;
Reinsurance (UK) SE which is a limited liability company
incorporated in England and Wales, and a wholly owned pay for specified Additional expenses;
subsidiary of the Munich Reinsurance Company, part pay the person to whom You are legally liable; or
of the Munich Re Group. The Munich Re Group is one pay You.
of the largest insurance groups in the world. For more
Additional Policy Information
information refer to www.munichre.com.
The insurance that Great Lakes Australia offer You is
Great Lakes Australia
set out in the PDS and Policy Wording. It is important
Mail: PO Box H35 that You:
Australia Square NSW 1215
are aware of the limits on the cover provided and
The Financial Claims Scheme the amounts We will pay You (including any excess
thatapplies);
In the event of the insolvency of Great Lakes Australia,
You may be entitled to payment under the Financial are aware of the Words with Special Meanings found
Claims Scheme. Access to the Scheme is subject to in the Policy Wording on pages 26-29; and
eligibility criteria. Information about the Scheme can be are aware of the maximum benefit limits shown in
obtained from the APRA website at www.apra.gov.au the Benefits Table on pages 6-7.
and the APRA hotline on 1300 55 88 49. are aware of the Policy Conditions and General
Who Is Travel Insurance Partners? Exclusions found in the Policy Wording on
pages 30-51.
Travel Insurance Partners Pty Ltd, ABN 73 144 049 230,
AFSL360138 administers the policy (including customer
service, medical assessments and claims management).
Change Of Terms And Conditions something unless We specifically ask You about
it. However You must be honest in answering any
From time to time and where permitted by law, We
questions We ask You. You have a legal duty to tell Us
may change parts of the PDS. We will issue You with a
anything You know, and which a reasonable person
new PDS or a Supplementary PDS or other compliant
in Your circumstances would include in answering the
document to update the relevant information except in
questions. We will use the answers in deciding whether
limited cases. Any updates which are not materially
to insure You and anyone else to be insured under the
adverse to You from the view of reasonable person
same policy, and on whatterms.
deciding whether to buy this insurance, may be found
at auspost.com.au/travelinsurance. You can obtain a Who needs to tell Us
paper copy of any updated information without charge
It is important that You understand You are disclosing
by calling 1300 728 015.
to Us and answering Our questions for yourself and
Your Duty Of Disclosure anyone else You want to be covered by the policy.
You have a legal duty of disclosure to Us whenever You Code Of Practice
apply for, or change an insurance policy.
We have adopted the General Insurance Code of
What You must tell Us Practice developed by the Insurance Council of
Australia. The Code is designed to promote good
You have a general duty to tell Us everything that You
relations and good insurance practice between
know, or could reasonably be expected to know, is
insurers, authorised representatives and consumers.
relevant to Our decision whether to insure You, and if
We do on what terms. Your general duty applies until The Code sets out what We must do when dealing with
the time You enter into the insurance policy. You. Please contact Travel Insurance Partners if You
want more information about the Code.
However, Your duty does not require You to
disclose anything: The Amount You Pay For This Insurance
that reduces the risk to be undertaken by Us; The amount We charge You for this insurance policy is
that is generally well known; the total amount of the premium that We calculate to
cover the risk and any relevant government charges
that We know or, in the ordinary course of Our
(such as GST and stamp duty). These amounts add
business, ought to know; or
up to the total amount You must pay. Once the
in respect of which We have waived Your duty. policy is issued Your total premium and any relevant
If You do not tell Us government charges are shown on the Certificate of
Insurance. If You change Your policy in any way You
If You do not answer Our questions honestly or do may be entitled to a partial premium refund or be
not properly disclose to Us, We may reduce or refuse required to pay an additional amount.
to pay a claim or may cancel the policy. If You act
fraudulently in answering Our questions or not How Various Factors Affect The Amount Payable
disclosing to Us, We may refuse to pay a claim or treat
We consider a number of factors in calculating the
the policy as never having existed.
total Amount Payable. The key factors that affect the
Your general duty applies to changes amount You pay include the plan, the area to which You
are travelling, Your age, the excess, the duration of Your
Your general duty applies in full when You change or Journey and whether You take out additional cover.
reinstate the insurance policy.
The following is a guide on how these factors combine
Your general duty is limited for new policies together and may impact on the assessment of risk,
When You apply for a new policy Your duty of and therefore Your premium.
disclosure applies, but You do not need to tell Us
Plan the International Comprehensive Plan, Your Privacy
which provides more cover, costs more than the
In this Privacy Notice the use of we, our or us
Domestic Plan.
means Travel Insurance Partners and Great Lakes
Area higher risk areas cost more. Australia (GLA), unless specified otherwise.
Age higher risk age groups cost more.
Why Your personal information is collected
Excess the higher the excess the lower the cost.
We collect Your personal information (including
Duration the longer Your trip the more it
sensitive information) for the purposes of:
usually costs.
Extra Cover Options additional premium identifying You and conducting necessary checks;
may apply. determining what services or products we can
Existing Medical Conditions and pregnancy provide to You and/or others;
additional premium may apply if accepted for cover. issuing, managing and administering services and
How A Claim Payment Is Calculated products provided to You and/or others including
claims investigation, handling and payment; and
When We pay a claim We consider a number of
improving services and products, e.g. training
aspects in calculating the amount. These can include:
and development of representatives, product
the amount of loss or damage or liability; and service research, data analysis and business
the excess; strategy development.
maximum benefit limits and sub-limits; Travel Insurance Partners also collects Your personal
information for the purpose of providing special offers
reasonable depreciation; and
of other services and products that might be of interest
the terms and conditions of the policy. to You.
The following example illustrates how We will calculate
How Your personal information is collected
the amount payable for a claim:
We may collect Your personal information through
Your new video camera worth $4,000 is stolen from a
websites from data You, or Your travel consultant, input
hotelroom.
directly or through cookies and other web analytic
You are travelling on International tools, via email, by fax, by telephone or in writing.
Comprehensive Plan.
We collect personal information directly from
You have chosen the nil excess option.
You unless:
You have not paid an additional amount to increase
the standard item limit. You have consented to collection from someone else;
The amount payable following the claim would be it is unreasonable or impracticable for us to do so; or
calculated asfollows: the law permits us to collect from someone else.
consider the value of the video camera $4,000 We also collect additional personal information from
(no depreciation applies because the video camera other third parties to provide You with our services
was new). and products.
consider the maximum benefit limit for Luggage and If You provide personal information to us about another
Personal Effects $7,500. person You must only do so with their consent and
consider the maximum item limit payable for agree to make them aware of this Privacy Notice.
cameras and video cameras $3,500. This item limit
does apply in this case.
as You have chosen the nil excess option, no excess
is deducted. This results in an amount payable
of$3,500.
Who we disclose Your personal information to may not be able to seek redress under the Act, or from
us and/or from the recipients in overseas countries, or
We may disclose Your personal information to other
to the extent permitted by law.
parties and service providers for the purposes
noted above. You and any other traveller included on the policy
consent to this use and these disclosures unless
The other parties and service providers include:
You tell Travel Insurance Partners, using the contact
insurers and reinsurers; details below.
medical providers, travel providers and Your Your choices
travel consultant;
If You choose not to provide Your personal information
our lawyers and other professional advisors;
and/or choose not to consent and/or withdraw Your
our related companies and other representatives or consent to the use and disclosure of Your personal
contractors who we have hired to provide services or information set out in this Privacy Notice at any stage,
to monitor the services provided by us or our agents, we may not be able to provide our services or products
our products or operations; and/or or manage and administer services and products to
other parties we may be able to claim or recover You and/or others.
against or other parties where permitted or required
If You wish to withdraw Your consent including for
by law.
things such as receiving information on products and
Additional parties and service providers are detailed in offers or Your travel consultant receiving personal
the Travel Insurance Partners Privacy Policy and GLA information about Your policy and coverage, please
Privacy Statement. contact Travel Insurance Partners on 1300 728 015.
The contractual arrangements that we have in place More information
with these parties and service providers generally
include an obligation for them to comply with For more information about how Your personal
Australian privacy laws. information is collected, used or disclosed, how to
access or seek correction to Your personal
We may need to disclose personal information about information or how to make a complaint and how
You to other parties and service providers, some of such a complaint will be handled, please contact
whom may be located in overseas countries. Who they Travel Insurance Partners or GLAs Privacy Officer,
are may change from time to time. using the contact details below or refer to the Travel
Generally these recipients will be located in the Insurance Partners Privacy Policy available on
overseas countries You travelled to over the duration www.travelinsurancepartners.com.au/privacy
of Your policy and Your claim. These recipients would statement and the GLA Privacy Statement and Privacy
usually be service providers, such as, medical providers, Policy available on www.munichre.com/gla/en/service/
providers of travel related services, investigators, privacy-statement.
assessors and facilitators or our related entities that Travel Insurance Partners Privacy Officer
carry out services on our behalf in relation to Your
Travel Insurance Partners Pty Ltd
policy and Your claim. Further details of these types of
recipients are set out in the Travel Insurance Partners Mail: Private Bag 913
Privacy Policy and the GLA Privacy Statement. North Sydney NSW 2059
Australia
We may not always be able to take reasonable steps
Email: privacy.officer@travelinsurancepartners.com.au
to ensure that these recipients comply with the Privacy
Act. Some of the countries where these recipients are Call: 1300 131 746
based may not offer the same protection or obligations
that are offered by the Act in Australia. By acquiring
the services and products from us You agree that You
GLA Privacy Officer promptly with Your complaint. However, if You are not
Munich Re Australia satisfied with Our final decision You can choose to have
the matter reviewed independently by the Financial
Mail: PO Box H35
Ombudsman Service Ltd (FOS). Its services are free
Australia Square NSW 1215
to You. As a member We agree to accept the FOSs
Australia
decision where we are bound to do so. You have up to
Email: privacyofficer@munichre.com two years to contact FOS after Our final decision.
Call: +61 (0) 2 9272 8000
Mail: Financial Ombudsman Service Ltd
Fax: +61 (0) 2 9272 8139 GPO Box 3
Resolving Complaints Melbourne VIC 3001
If You think We have let You down in any way, or Our Call: 1300 78 08 08
service is not what You expect (even if through one of Fax: (03) 9613 6399
Our representatives), please tell Us so We can help. We Email: info@fos.org.au
are committed to resolving Your complaint fairly. If You
Website: www.fos.org.au
have acomplaint:
Call 1300 728 015.
You will be put in contact with someone who can
help resolve Yourcomplaint.
If You wish You can also write to Us about Your
complaint marked for the attention of:
The Customer Relations Manager
Travel Insurance Partners
PO Box 168
North Sydney NSW 2060
Australia
or email:
auspost-customerrelations@
travelinsurancepartners.com.au
We will listen to You, consider the facts and respond
to You within 15 business days. If We need more
information or more time to respond properly to
Your complaint We will contact You to agree an
appropriate timeframe to respond.
If You are unhappy with Our response, please tell
Us. We will undertake a separate review of the
matter. This may be conducted by Travel Insurance
Partners Customer Relations Officer or referred
to the Dispute Resolution Officer or their delegate
at Great Lakes Australia. Provided We have the
information We need, We will advise You of the
outcome of this review and detail the reasons for
Our decision within 15 business days. Our final
review and decision will be provided to You within 45
days from the date You first made Your complaint
toUs.
Our procedures have been developed to deal fairly and
Policy Wording In respect of organised groups each child not
travelling with their usual guardian must purchase a
The benefits described in this policy wording should separate policy.
be read in conjunction Your Duty of Disclosure (pages Accompanied Children means Your children or
18-19), Words With Special Meanings (pages 26-29), grandchildren who are identified on the Certificate
Policy Conditions (pages 30-33) and General Exclusions of Insurance and travelling with You on the Journey,
(pages 48-51). provided they are not in full time employment and they
Insured and issued by Great Lakes Australia (a are under the age of 21 years.
member of the global Munich Re Group) ABN 18 964 Act Of Terrorism means an act, including but not
580 576, AFSL 318603. limited to the use of force or violence, of any person
THIS POLICY IS NOT VALID UNLESS A CERTIFICATE OF or group(s) of persons, whether acting alone or on
INSURANCE IS ISSUED TO YOU. behalf of or in connection with any organisation(s) or
government(s), which from its nature or context is done
We will give You the insurance cover described in this for, or in connection with, political, religious, ideological,
policy in return for receiving the total Amount Payable. ethnic or similar purposes or reasons, including the
It is a condition of this policy that: intention to influence any government and/or to put
You are not aware of any circumstance which is likely the public, or any section of the public in fear.
to give rise to a claim. Additional means the cost of the accommodation
You are a resident of Australia and will be or transport You actually use less the cost of the
returning to Your Home at the completion of the accommodation or transport You expected to use had
Period Of Insurance and within 18 months of the the Journey proceeded as planned.
Journey commencing. Amount Payable means the total amount payable
If You purchase the Annual Multi-Trip policy, cover shown on Your Certificate of Insurance.
will only extend to a Journey that involves travel Disabling Injury, Sickness or Disease means
to a destination which is more than 250 km from a disabling injury, sickness or disease which first
Your Home. shows itself during the Period Of Insurance and
Words With Special Meanings which requires immediate treatment by a qualified
medical practitioner.
In this PDS the following words have the
following meanings: Existing Medical Condition means:
We, Our, Us means Great Lakes Australia except a) Any physical defect, condition, illness or disease for
in the Section Your Privacy. which treatment, medication or advice (including
investigation) has been received or prescribed by a
You, Your means the people listed as adults on the medical or dental advisor in the 90 days prior to the
Certificate of Insurance and includes Accompanied Relevant Time; or
Children. Where more than one person is listed as
an adult on the Certificate of Insurance all benefits, b) Any chronic or ongoing (whether chronic or
limitations, conditions and exclusions will be interpreted otherwise) medical or dental condition, illness
as if a separate policy was issued to each of the or disease medically documented prior to the
persons listed as an adult otherthan: Relevant Time.
a) In the event a claim arising from the one event Home means Your usual place of residence
is made, an excess (if applicable) will only be in Australia.
applied once. Insolvency means bankruptcy, provisional liquidation,
b) In the case of luggage item limits which shall be as liquidation, insolvency, appointment of a receiver or
per a single policy. administrator, entry into a scheme of arrangement,
statutory protection, presentation of a petition for the Permanent in respect of Section 14 means a period
compulsory winding up of, stopping the payment of of time lasting 12 consecutive months after the expiry
debts or the happening of anything of a similar nature of which We consider there is no reasonable prospect
under the laws of any jurisdiction. of improvement.
International Waters waters outside the jurisdiction Professional means undertaking any activity for
territory of any country. which financial payment is received from another
person or party.
Journey means the period commencing at the time
You leave Your Home and ceasing at the time You Public Place means shops, airports, streets, hotel
return to Your Home. foyers and grounds, restaurants, beaches, private car
parks and any place the public has access to.
Limb means a hand at or above the wrist or a foot at
or above the ankle. Relative means Your spouse, defacto, parent,
grandchild, brother, sister, son-in-law, daughter-in-law,
On-Piste means a marked trail or slope prepared
parent-in-law, grandparent, child, step-parent, brother-
for the purpose of skiing or snowboarding within the
in-law, sister-in law, fiance(e), first cousin, aunt, uncle,
boundary of the ski field or ski resort and used in
niece and nephew.
accordance to any regulations published by the ski
field or ski resort. Relevant Time in respect of:
Period Of Insurance means: a) Single Trip policies means the time of issue of
the policy.
a) In respect of Single Trip Policies from the time You
commence the Journey or the travel start date b) Annual Multi-Trip policies means the first time at
shown on Your Certificate of Insurance (whichever which any part of the relevant trip is paid for or
is later) until the time You complete the Journey or the time at which the policy is issued, whichever
the travel end date shown on Your Certificate of occurs last.
Insurance (whichever is the earlier).
Rental Car means a rented sedan, campervan,
b) In respect of Annual Multi-Trip Policies from the hatchback, 8seater people mover or station-wagon
time You commence each Journey or the travel (including 4WDs) rented from a licensed motor vehicle
start date shown on Your Certificate of Insurance rental company.
(whichever occurs last) until the earliest of the
Terminal Illness means any medical condition which
following times:
is likely to result in death.
(i) the time that You complete the Journey; or
Transport Provider means a properly licensed coach
(ii) the expiry of the maximum insured duration per operator, airline, shipping line or railway company.
Journey (this maximum duration is shown on
Your Certificate of Insurance); or
(iii) 12 months from the travel start date shown on
Your Certificate of Insurance.
Cover under Section 3 begins from the time the policy is
issued. The dates on Your Certificate of Insurance can
only be changed with Our consent. In respect of Section
10, cover is suspended while You are in Australia and
will recommence once You resume the Journey, subject
to the original expiry date.
Policy Conditions 4. Claims
1. Excess a) The loss or theft of luggage, personal effects,
travel documents or money must be reported
The excess is the first amount of a claim which We
within 24 hours to the police or responsible
will not pay for. The excess, if applicable, applies to
Transport Provider and a written report must be
any claim arising from a separate event in respect
obtained at that time.
of Sections 1, 2, 3, 4, 5, 6, 10 and 11 of the policy
only. The excess is the amount shown on Your b) If You are admitted to hospital or You anticipate
Certificate of Insurance. An additional excess may Your medical expenses and Additional expenses
apply in certain circumstances, such as cover for are likely to exceed $2,000 You must phone
Existing Medical Conditions where You do not meet the emergency assistance number as soon as
the provisions on pages 11-13. If an additional physically possible.
excess applies We will notify You in writing.
c) You must take all reasonable steps to prevent or
2. Sections Of The Policy Applicable To Each Plan minimise aclaim.
If You purchase: d) You must not make any offer, promise of
payment or admit any liability without Our
a) International Comprehensive Plan, all Sections
written consent.
of the policy apply;
e) You must advise Us of any claim or occurrence
b) Domestic Plan, Sections 2, 3, 4, 5, 8, 9, 14, 15 and
which may give rise to a claim as soon as
16 of the policy apply;
possible and within 60 days of the return date
c) International Basic Plan, Sections 1, 2, 14, 15 shown on Your Certificate of Insurance by
and 16 only of this policy apply. sending a completed claim form.
3. Limits Of Liability f) You must at Your own expense, supply any

documents in support of Your claim which We
The limits of Our liability for each Section of the may request, such as original police reports,
policy are the amounts shown in the relevant table receipts, valuations, repair quotes and/or
for the plan selected (see pages 6-7) except: medical certificates and You must co-operate
a) where additional luggage cover has been
fully in the assessment or investigation of
effected, or
Your claim.
b) the maximum liability collectively for Sections g) Where You are a registered entity on a Domestic
13, 14, and 15 shall not exceed $25,000 on Plan You may be entitled to an input tax credit
the International Comprehensive Plan and for for Your Amount Payable and/or for things
Sections 14 and 15 shall not exceed $10,000 on covered by this policy. You must disclose these
the Domestic Plan, or entitlements to Us if You make a claim under
Your policy.
c) where You have paid an additional amount
to increase the level of Rental Car Insurance
Excess cover, or
d) where We have notified You in writing of different
limits such as on Your Certificate of Insurance.
h) If We agree to pay a claim under Your policy We be accepted by Australia Post Corporation,
will base any claim payment on the Goods and the emergency assistance company, Travel
Services Tax (GST) inclusive costs (up to the relevant Insurance Partners orUs.
limits of liability). However, We will reduce any
10. Free Extension Of Insurance
claim payment by any input tax credit You are, or
would be, entitled to for the repair or replacement Where Your Journey is necessarily extended due to
of insured property or for other things covered by an unforeseen circumstance outside Your control,
this policy. Your Period Of Insurance will be extended until You
are physically able to travel Home by the quickest
5. If You Are Able To Claim From A Statutory Fund,
and most direct route. The Period Of Insurance will
Compensation Scheme Or Transport Provider
not be extended for any otherreason.
If You are able to claim from a statutory fund,
11. Special Conditions, Limitations, Excesses And
compensation scheme (for example a private
AmountsPayable
health fund or workers compensation scheme) or
Transport Provider for monies otherwise payable If You:
under this policy You must do so and the policy will
only cover the remaining amount. a) want cover for an Existing Medical Condition or
pregnancy which does not satisfy the provisions
6. You Must Help Us To Make Any Recoveries set out on pages 11-14, or
We have the right to sue any other party in Your b) are travelling to the Americas or Africa for
name to recover money payable under the policy any length of time and have ever been
or to choose to defend any action brought against diagnosed with a heart or lung condition (not
You. You must provide reasonable assistance to Us. including Asthma if under 60 years) or have
reducedimmunity;
7. Claims Payable In Australian Dollars
cover must be separately applied for and accepted
All amounts payable and claims are payable
by Us, and it may be subject to special conditions,
in Australian dollars at the rate of exchange
limitations, excesses and amounts payable. We
applicable at the time the expenses were incurred.
will notify You in writing of these before We issue
8. Policy Interpretation the policy.
The policy shall be interpreted in accordance with 12. Automatic Reinstatement Of Sums Insured
the law of the State or Territory in which it is issued.
If You purchase the Annual Multi-Trip policy the
9. Emergency Assistance sums insured under each Section of the policy are
automatically reinstated on completion of each
a) Where Your claim is excluded or falls outside
Journey and in respect of Section 4, also once on
the policy coverage, the giving of emergency
each Journey.
assistance will not in itself be an admission
of liability.
b) The medical standards, sanitary conditions,
reliability of telephone systems and facilities for
urgent medical evacuations differ from country
to country. Responsibility for any loss, medical
complication or death resulting from any
factor reasonably beyond Our control cannot
13. Policy Conditions Applying To Sections 1 And 2 The Benefits
Only
Section 1: Overseas Medical and Dental Expenses
a) We have the option of returning You to Australia
If during the Period Of Insurance You suffer a Disabling
if the cost of medical and/or Additional
Injury, Sickness or Disease We will pay the usual and
expenses overseas are likely to exceed the cost
customary cost of medical treatment, emergency
of returning You to Australia subject always
dental treatment and ambulance transportation which
to medical advice. We also have the option of
is provided outside Australia by or on the advice of a
evacuating You to another country.
qualified medical practitioner or dentist. Medical cover
b) In all cases the cost of evacuation or to bring will not exceed a maximum of 12 months from the date
You back to Australia will only be met if it was of suffering the Disabling Injury, Sickness or Disease.
arranged by and deemed necessary by the
The maximum benefit limit for this section is:
emergency assistance network.
c) If You are hospitalised We will pay for a share Comprehensive Plan: Basic Plan: Domestic Plan:
room. If a share room is not available We will, at $Unlimited $Unlimited No Cover
Our discretion and that of Our medical advisors,
pay to upgrade You to a single room. We Will Not Pay For:
d) If You do not hold a return airline ticket an 1. medical treatment, dental treatment or ambulance
amount equal to the cost of an economy class transportation which is provided in Australia. This
one way ticket will be deducted from Your claim exclusion does not apply to medical treatment
for repatriation expenses. provided whilst on a ship (including cruise ship,
passenger ship or passenger ferry) even if that ship
14. Policy Conditions Applying To Sections 13, 14 And is within Australian territorial waters. However, this
15 Only additional benefit does not apply to any medical
a) If the conveyance You are travelling in treatment provided on Australian inland waterways
disappears, sinks or crashes and Your body or whilst the ship is tied up in an Australianport.
has not been found after 12 months You will be 2. dental treatment caused by or related to the
presumed to have died. deterioration and/or decay of teeth or associated
b) You must obtain and follow advice and tissue or involving the use of precious metals.
treatment given by a qualified medical 3. the continuation or follow-up of treatment (including
practitioner as soon as possible after suffering a medication) started prior to Your Journey.
disabling injury, during the Period Of Insurance.
Also refer to: General Exclusions - pages 48-51.
Policy Conditions - pages 30-34.
Section 2: Additional Expenses
1. If You Become Sick
If during the Period Of Insurance You suffer a Disabling
Injury, Sickness or Disease, We will pay the:
a) reasonable Additional hotel accommodation and
Additional transport expenses incurred by Your
travelling companion who remains with or escorts
You until the completion of the Period of Insurance
or until You are able to resume Your Journey or 5. Other Circumstances
travel Home, whichever occurs first. This benefit is
We will pay Your reasonable Additional hotel
only payable on the written advice of the overseas
accommodation and Additional transport expenses
medical practitioner;
incurred on the Journey due to an unforeseen
b) reasonable Additional hotel accommodation and circumstance outside Your control and resulting from:
Additional transport expenses incurred by Your
a) disruption of Your scheduled transport because of
Relative who travels to and remains with You
riot, strike or civil commotion occurring after the
following You being hospitalised as an inpatient.
commencement of the Journey provided You act
The benefit ceases when You are able to continue
reasonably in avoiding Additional costs;
Your Journey, travel Home or on completion of the
Period Of Insurance, whichever is the earlier, and b) loss of passport or travel documents except
is subject to the written advice of the overseas involving government confiscation or articles sent
medical practitioner and acceptance by the through the mail;
emergency assistance network;
c) a quarantine regulation You unknowingly breach;
c) reasonable Additional hotel accommodation
expenses and Additional transport expenses d) a natural disaster;
incurred by You and at the same fare class as e) a collision of a motor vehicle, watercraft, aircraft or
originally booked, if You are unable to complete train in which You are travelling;
the Journey on the written advice of the overseas
medical practitioner; f) Your scheduled transport being delayed for at least
12 hours due to severe weather conditions. We will
d) reasonable expenses incurred in returning a hired pay up to $250 providing written confirmation from
motor vehicle to the nearest depot provided that, the Transport Provider has been obtained.
on the written advice of the overseas medical
practitioner, You are unfit to drive it. The maximum benefit limit for this section is:
2. If You Die Comprehensive Plan: Basic Plan: Domestic Plan:

$Unlimited $Unlimited $10,000
We will pay reasonable overseas funeral or cremation
expenses or the cost of returning Your remains to
We Will Not Pay For:
Australia if You die during the Period Of Insurance. In
either event the maximum amount We will pay in total 1. any costs or expenses incurred prior to You being
will not exceed $20,000. certified by a medical practitioner as unfit to travel.
3. If Your Relative Or Business Partner Becomes Sick 2. claims arising from Avian Influenza (including the
H5N1 strain)or any derivative or mutation of such
We will pay reasonable Additional transport expenses
viruses, or the threat or perceived threat of any of
if You are required to return to Your Home due to the
the above.
sudden Disabling Injury, Sickness or Disease or death
of a Relative or business partner in Australia. Also refer to: General Exclusions - pages 48-51.
4. If Your Home Is Destroyed By Fire, Earthquake Or
Flood
We will pay the reasonable Additional transport
expenses for Your early return to Your Home in
Australia if it is totally destroyed by fire, earthquake or
flood while You are on YourJourney.
Section 3: Amendment or Cancellation Costs 3. any contractual or business obligation or Your
financialsituation.
If due to circumstances outside Your control and
unforeseen at the Relevant Time: 4. the failure of Your travel agent or Our agent who
issued this policy to pass on monies to operators or
1. You have to rearrange Your Journey prior to leaving
to deliver promised services.
Home, We will pay the reasonable cost of doing so
(We will not pay more for rearranging Your Journey 5. a request by Your Relative or employer unless You
than the cancellation costs which would have been are a member of the police force and Your leave
incurred had the Journey been cancelled). is revoked.
2. You have to cancel the Journey (where You cannot 6. a lack in the number of persons required to
rearrange it prior to leaving Home) We will pay You: commence any tour, conference, accommodation
or travel arrangements or due to the negligence of
a) the non-refundable unused portion of all
a wholesaler or operator.
travel costs prepaid in advance including the
travel agents commission (the travel agents 7. any government regulation, prohibition
commission is limited to the lesser of $1,500 or restriction.
or the amount of commission the agent had
8. the death, injury, sickness or disease of any person
earned on the pre-paid refundable amount of
living outside Australia.
the cancelled travel arrangements).
9. any costs or expenses incurred prior to You being
b) for frequent flyer or similar flight reward points
certified by a medical practitioner as unfit to travel.
lost following cancellation of Your airline ticket.
The amount We will pay is calculated as follows: 10. claims arising directly or indirectly from an Act Of
Terrorism or the threat or perceived threat of an Act
(i) the cost of the equivalent class airline
Of Terrorism.
ticket, based on the best available advance
purchase airfare at the time the claim is 11. claims arising from Avian Influenza (including the
processed, less Your financial contribution H5N1 strain) or any derivative or mutation of such
towards the airline ticket multiplied by viruses, or the threat or perceived threat of any of
the above.
(ii) the total amount of points lost divided by
(iii) the total amount of points used to obtain
the airline ticket.
Section 4: Luggage and Personal Effects
1. Loss, Theft Or Damage
Comprehensive Plan: Basic Plan: Domestic Plan:
$Unlimited No Cover $10,000
If during the Period Of Insurance Your luggage or
personal effects are lost, stolen or damaged We will
We Will Not Pay For replace, repair or pay You the value in cash of the
luggage/personal effects. It is Our choice which of these
Claims caused by: We do. If We pay You the value in cash, We will deduct
1. Transport Provider caused cancellations, delays or reasonable depreciation from the amount We pay You.
rescheduling other than when caused by strikes. If We replace, We will deduct reasonable depreciation
from the amount We pay the supplier and the amount
2. the disinclination of You or any other person deducted must be paid by You to the supplier.
to proceed with the Journey or deciding to
change plans.
Our payment will not exceed the original purchase price 6. any amount exceeding $1,000 in total for all
of an item with a limit for any one item, set or pair of jewellery placed in the care of a Transport Provider.
items including attached and unattached accessories
7. items left unattended in a Public Place.
of $500 on the International Comprehensive Plan and
the Domestic Plan, or $3,500 for camera and video 8. sporting equipment whilst in use.
camera equipment on the International Comprehensive
Plan, or $3,000 for laptop and tablet computers on 9. items sent under the provisions of any freight
the International Comprehensive Plan, or $800 for contract or any luggage forwarded in advance or
mobile phones and smart phones on the International which is unaccompanied.
Comprehensive Plan. The limit can be increased by 10. surfboards or waterborne craft of any description.
up to $4,500 per single item if the item is separately This exclusion does not apply if the item is lost,
specified and the appropriate additional amount paid. stolen or damaged while in the custody of a
For multiple items the overall increase in limits cannot Transport Provider.
exceed$7,500.
11. damage to fragile or brittle articles unless caused
2. Automatic Reinstatement Of Sum Insured by a fire or motor vehicle collision. This exclusion
In the event that a claimable loss, or damage to Your does not apply to spectacles; lenses in cameras
luggage and personal effects is incurred, We will allow and video cameras; laptop and tablet computers;
You one automatic reinstatement of the sum insured or binoculars.
stated in the Plan selected whilst on Your Journey. 12. damage caused by atmospheric or climatic
The maximum benefit limit for this section is: conditions, wear and tear, vermin or any process of
cleaning, repairing, restoring or alteration.
Comprehensive Plan: Basic Plan: Domestic Plan: 13. electrical or mechanical breakdown.
$7,500 No Cover $4,000
14. negotiable instruments or any items described in
We Will Not Pay For: Section 7Money.
1. loss or theft which is not reported to the police or Also refer to: General Exclusions - pages 48-51.
responsible Transport Provider within 24 hours. Policy Conditions - pages 30-34.
All reports must be confirmed in writing by the Section 5: Travel Documents, Passports, Credit Cards
police or Transport Provider at the time of making
the report. We will pay You for the cost of replacing travel
documents and credit cards lost or stolen on the
2. items left unattended in any motor vehicle unless Journey. We will also pay for Your legal liability arising
stored in the boot and forced entry is gained. from their illegal use. You must however comply with all
3. items left unattended in any motor vehicle the conditions of the issue of the document prior to and
overnight (even if in the boot). after the loss or theft.
4. jewellery, camera and video camera equipment, The maximum benefit limit for this section is:
sound equipment, mobile phones, smart phones
or laptop and tablet computer equipment left Comprehensive Plan: Basic Plan: Domestic Plan:
unattended in any motor vehicle at any time (even $5,000 No Cover $4,000
if in the boot).
5. any amount exceeding $2,000 in total for all items
left unattended in any motor vehicle.
We Will Not Pay For: Also refer to: General Exclusions - pages 48-51.
1. loss or theft which is not reported to the police or
responsible Transport Provider within 24 hours. Section 7: Money
All reports must be confirmed in writing by the
We will reimburse You for cash, bank or currency notes,
police or Transport Provider at the time of making
postal or money orders accidentally lost or stolen from
the report.
Your person.
2. items left unattended in any motor vehicle unless
stored in the boot and forced entry is gained.
3. items left unattended in any motor vehicle Comprehensive Plan: Basic Plan: Domestic Plan:
overnight (even if in the boot). $250 No Cover No Cover
4. any amount exceeding $2,000 in total for all items We Will Not Pay For:
left unattended in any motor vehicle.
1. loss or theft which is not reported to the police or
5. items left unattended in a Public Place. responsible Transport Provider within 24 hours.
6. items sent under the provisions of any freight All reports must be confirmed in writing by the
contract or any luggage forwarded in advance or police or Transport Provider at the time of making
which is unaccompanied. the report.
Also refer to: General Exclusions - pages 48-51. 2. loss or theft of cash, bank or currency notes, postal
Policy Conditions - pages 30-34. or money orders whilst not carried on Your person.
Section 6: Delayed Luggage Allowance Also refer to: General Exclusions - pages 48-51.
If all Your luggage is delayed by a Transport Provider
during the Journey for more than 24 hours We will Section 8: Rental Car Insurance Excess
pay You up to $375 for essential emergency items We will pay You for any Rental Car insurance excess
of clothing and toiletries You purchase whilst on You become liable to pay as a result of damage to,
Your Journey. These limits will be doubled if You still or theft of, a Rental Car, whilst in Your control during
have not received Your luggage after 72 hours. The the Journey.
original receipts for the items and written confirmation
of the length of delay from the Transport Provider The maximum benefit limit for this section is:
must be produced in support of Your claim. If Your
luggage is not ultimately returned to You any amount Comprehensive Plan: Basic Plan: Domestic Plan:
claimable under this section will be deducted from any $3,000 No Cover $3,000
entitlement under Section 4 of this policy.
1. any damage or theft, arising from the operation
of a Rental Car in violation of the terms of the
$750 No Cover No Cover rental agreement.
2. any damage sustained to a Rental Car while it is
being driven on an unsealed surface.
1. loss or theft which is not reported to the responsible
Transport Provider within 24 hours. All reports must
be confirmed in writing by the Transport Provider at
the time of making the report.
Section 9: Travel Delay c) Your return overseas occurs prior to the original
expiry date of Your cover for Your original Journey,
If Your pre-booked transport is temporarily delayed for
and
at least 6 hours due to an unforeseeable circumstance
outside Your control, We will reimburse You up to $200 d) no claim due to the same event is made under
on the Comprehensive Plan or $150 on the Domestic Section 3 of this policy, and
Plan for reasonable Additional hotel accommodation
e) the death was not caused by an illness or injury
expenses. We will also reimburse up to these limits
appearing prior to the commencement of Your
again for each full 24 hour period that the delay
original Journey, and
continues beyond the initial 6 hour delay.
f) the onset of the illness or injury did not occur prior
You must claim from the Transport Provider first,
to the commencement of Your original Journey.
and provide Us with written confirmation from the
Transport Provider of the cause and period of the delay The maximum benefit limit for this section is:
and the amount of compensation offered by them.
You must also provide Us with receipts for the hotel Comprehensive Plan: Basic Plan: Domestic Plan:
accommodation expenses incurred. $3,000 No Cover No Cover

$2,000 No Cover $1,000 Section 11: Special Events
We Will Not Pay For: If due to an unforeseeable circumstance outside Your

control Your Journey would otherwise be delayed
1. claims arising directly or indirectly from an Act Of resulting in You being unable to arrive in time to attend
Terrorism or the threat or perceived threat of an Act a wedding, funeral, pre-paid conference, 25th or 50th
Of Terrorism. wedding anniversary or sporting event, which cannot
be delayed due to Your late arrival, We will pay for the
2. claims arising from Avian Influenza (including the
reasonable Additional cost of using alternative public
H5N1 strain) or any derivative or mutation of such
transport to arrive at Your destination on time.
the above. The maximum benefit limit for this section is:
Policy Conditions - pages 30-34. Comprehensive Plan: Basic Plan: Domestic Plan:
$5,000 No Cover No Cover
Section 10: Resumption of Journey
If You are required to return to Australia due to the
sudden serious injury, sickness, disease or death of a 1. claims arising directly or indirectly from an Act Of
Relative or business partner in Australia, We will pay for Terrorism or the threat or perceived threat of an Act
the economy class transport costs You incur to return Of Terrorism.
overseas provided:
2. claims arising from Avian Influenza (including the
a) Your Period Of Insurance was at least 23 days, and H5N1 strain) or any derivative or mutation of such
b) less than 50% of the Period Of Insurance had the above.
elapsed at the time of the onset of the sudden
serious injury, sickness, disease or death of a Also refer to: General Exclusions - pages 48-51.
Relative or business partner, and Policy Conditions - pages 30-34.
Section 12: Hospital Incidentals Section 14: Disability
If hospitalised, We will pay You for incidentals such as If during the Period Of Insurance You suffer an injury
phone calls and magazines. The amount We will pay caused solely and directly by violent, accidental,
is limited to $50 for each night You are hospitalised visible and external means (not caused by a sickness
overseas as a result of a Disabling Injury, Sickness or or disease) resulting in Your Permanent total loss of
Disease during the Period Of Insurance, provided that sight in one or both eyes or the Permanent total loss of
the period of confinement is at least 48hours. use of one or more Limbs within one year of the date
of the accident, We will pay You the amount shown in
Original receipts for these expenses must be produced
the Plan purchased. The maximum limit in respect of
in support of Your claim.
Accompanied Children is $10,000 for each child.

$5,000 No Cover No Cover Comprehensive Plan: Basic Plan: Domestic Plan:
$25,000* $10,000 $10,000*
Also refer to: General Exclusions - pages 48-51. *Maximum liability collectively for Sections 13, 14 and 15:
Policy Conditions - pages 30-34. Comprehensive Plan - $25,000, Domestic Plan - $10,000
Section 13: Loss of Income Also refer to: General Exclusions - pages 48-51.
If during the Period Of Insurance You suffer an injury
caused solely and directly by violent, accidental, visible Section 15: Accidental Death
and external means (not caused by a sickness or
If during the Period Of Insurance You suffer an injury
disease) resulting in You being unable to attend Your
caused solely and directly by violent, accidental, visible
usual work in Australia, We will pay You up to $1,666.66
and external means (not caused by a sickness or
per month on the Comprehensive Plan for Your monthly
disease) resulting in Your death, We will pay Your estate
net of income tax wage, but not in respect of the first
the amount shown in the Plan purchased provided
30 days after You originally planned to resume Your
Your death occurs within one year of the accident. Our
work in Australia. The benefit is only payable if Your
limit in respect of Accompanied Children is $1,000 for
disability occurs within 30 days of the accident. The
each child.
maximum limit in respect of Accompanied Children is
$1,000 for each child. Cover for loss of income is limited The maximum benefit limit for this section is:
to six months.
The maximum benefit limit for this section is: Comprehensive Plan: Basic Plan: Domestic Plan:
$25,000* $10,000 $10,000*
Comprehensive Plan: Basic Plan: Domestic Plan: *Maximum liability collectively for Sections 13, 14 and 15:
$10,000* No Cover No Cover Comprehensive Plan - $25,000, Domestic Plan - $10,000
*Maximum liability collectively for Sections 13, 14 and 15: Also refer to: General Exclusions - pages 48-51.
Comprehensive Plan - $25,000 Policy Conditions - pages 30-34.
Section 16: Personal Liability 3. claims arising as a result of war, invasion, act of
foreign enemy, hostilities (whether war be declared
We will provide cover if, as a result of Your negligent act
or not), civil war, rebellion, revolution, insurrection or
occurring during the Period Of Insurance, You become
military or usurpedpower.
unintentionally legally liable to pay compensation in
respect to damage caused to someone elses property 4. claims arising directly or indirectly from any
or the injury or death of someone else. nuclear reaction or contamination, ionising rays
or radioactivity.
5. loss or damage caused by detention, confiscation
Comprehensive Plan: Basic Plan: Domestic Plan: or destruction by customs or other officials
$5,000,000 $5,000,000 $5,000,000 or authorities.
We Will Not Pay For: 6. claims arising from any unlawful act committed by
You or if You have not been honest and frank with
1. liability You become liable to pay to somebody all answers, statements and submissions made in
related to You or to someone in Your employ or connection with Your insurance application or claim.
deemed to be in Your employ.
7. claims arising from any government prohibition,
2. liability arising from loss or damage to property regulation or intervention.
which is in Your legal custody or control.
8. claims in respect of travel booked or undertaken
3. liability arising from the conduct by You of against the advice of any medical practitioner or
any profession, trade or business or the use or after Your Terminal Illness had been diagnosed.
ownership by You of any firearm, aircraft, water This exclusion will be waived from the time the
borne craft or mechanically propelled vehicle. appropriate additional amount payable has been
received by Us if cover is separately applied for and
4. liability arising out of occupation or ownership of
accepted by Us in respect of Your Terminal Illness.
any land, buildings or immobile property.
9. claims arising from loss or theft or damage to
5. liability arising out of any wilful or malicious act.
property, or death, illness or bodily injury if You fail
6. liability arising out of the transmission of an illness, to take reasonablecare.
sickness or disease.
10. claims directly or indirectly arising from, or
7. liability involving punitive, exemplary or aggravated exacerbated by, any Existing Medical Condition:
damages or any fine or penalty.
a) You or Your travelling companion has. This
8. liability arising out of Your liability under a contract exclusion will be waived;
or agreement unless You would be liable if that
(i) if You satisfy the provisions set out under the
contract or agreement did not exist.
heading Conditions We Automatically Cover
Also refer to: General Exclusions - pages 48-51. on pages 11-13; or
(ii) from the time You have completed a medical
General Exclusions assessment and for conditions We accept,
the appropriate additional amount payable
has been received and a policy issued by Us,
1. claims for costs or expenses incurred outside the
b) of Your Relative, business partner or of any
Period Of Insurance.
other person who is known to You prior to
2. claims involving air travel other than as a the Relevant Time, unless You purchase a
passenger on a fully licensed passenger Comprehensive Plan or Domestic Plan and the
carrying aircraft operated by an airline or an air person is hospitalised or dies in Australia after
charter company.
the Relevant Time and at the Relevant Time the 16. claims involving participation by You or Your
chance of a claim occurring is highly unlikely. travelling companion in hunting; racing (other than
In any event, We will not pay more than $4,000 on foot); polo playing; hang gliding; off-piste snow
under all sections of the policy combined. skiing or snowboarding; rodeo riding; BASE jumping;
moto cross; freestyle BMX riding; running with the
11. claims directly or indirectly arising from pregnancy
bulls; sports activities in a Professional capacity;
of You or any other person if You are aware of the
mountaineering or rock climbing using ropes, rock
pregnancy prior to the Relevant Time and:
climbing equipment or oxygen; scuba diving unless
a) where complications of this pregnancy or any You hold an Open Water Diving Certificate or are
previous pregnancy have occurred prior to this diving with a qualified diving instructor.
time; or
17. claims involving participation by You (during the
b) where the conception was medically assisted Journey) in motorcycling for any purpose. This
(including hormone therapy and IVF). exclusion, but not any other exclusion, will be
waived from the time the appropriate additional
This exclusion will be waived from the time the amount payable has been received by Us,
appropriate additional amount payable has been provided You are wearing a helmet, the motorcycle
received by Us if cover is separately applied for and has an engine capacity of 200cc or less and
accepted by Us in respect of Your pregnancy only. whilst in control, You hold a licence valid in the
12. claims directly or indirectly arising from: relevant country.
a) pregnancy of You or any other person after the 18. claims involving consequential loss of any kind
26th week of pregnancy; or including loss of enjoyment or any financial loss not
specifically covered in the policy.
b) pregnancy of You or any other person where the
problem arising is not an unexpected serious 19. any Goods and Services Tax (GST) liability or any
medicalcomplication. fine, charge or penalty You are liable for because of
a failure to fully disclose to Us Your input tax credit
13. claims directly or indirectly arising from childbirth entitlement for the Amount Payable.
or the health of a newborn child whatever the
proximate cause of the claim is. This exclusion 20. losses for which insurance is prohibited by law.
applies irrespective of the stage of pregnancy at 21. claims arising directly or indirectly from
which the child is born. complications following elective surgery.
14. claims involving Your suicide, attempted suicide, self 22. claims involving participation by You (during
inflicted injury or condition, stress, travel exhaustion, the Journey) in On-Piste snow skiing, On-Piste
any conduct engaged in whilst under the influence snowboarding or snowmobiling. This exclusion, but
or effect of alcohol or drugs, the effect of, or chronic not any other exclusion, will be waived from the
use of alcohol or drugs or the transmission of any time the appropriate additional amount payable
sexually transmittable disease or virus. has been received by Us.
15. claims directly or indirectly arising from Your 23. claims involving You travelling (during the Journey)
anxiety, depression or mental or nervous disorders. in International Waters in a private sailing vessel or
If approved, this exclusion will be waived when a privately registered vessel.
cover is separately applied for by You in respect
of Your condition(s), from the time We accept Your 24. claims arising from the failure of any travel agent,
application and the appropriate additional amount tour operator, accommodation provider, airline or
payable has been paid to Us. other carrier, car rental agency or any other travel
or tourism services provider to provide services
or accommodation due to their Insolvency or the
Insolvency of any person, company or organisation
they deal with.
Financial Services Guide or we) are authorised to provide financial services in
relation to travel insurance.
Statement We are authorised to arrange the issue of travel
This Financial Services Guide Statement (FSGS) is insurance when You purchase a travel insurance
an important document and is designed to help You product online and We are also authorised to provide
decide whether to use the financial services offered. general advice in marketing materials about travel
insurance. When You purchase this product over
This document also contains important information the counter at Your Australia Post store the person
about how Travel Insurance Partners Pty Limited providing You with a receipt is not authorised to provide
(Travel Insurance Partners) ABN 73 144 049 230, AFSL You with financial product advice about this product or
360138, Australian Postal Corporation ABN 28 864 to issue the travel insurance policy to You. Only Travel
970 579 (Australia Post), Australia Post Services Pty Insurance Partners may do this.
Ltd ABN 67 002 599 340 AFSL 457551 (Australia Post
Services) and Australia Posts franchisees are paid and How Are We Paid?
how any complaints are handled. Travel Insurance Partners
What Financial Services Are Provided? Travel Insurance Partners is paid a commission by
Neither Travel Insurance Partners, Australia Post, GLA when You buy this travel insurance policy. This
Australia Post Services or Australia Posts franchisees commission is included in the premium that You pay
are authorised to give You personal advice in relation and is received after You have paid the premium.
to travel insurance. Any advice given to You about This commission is calculated as a percentage of the
travel insurance will be of a general nature only and will premium. Travel Insurance Partners may also receive
not take account of Your personal objectives, financial a share of the profit earned by GLA if GLA makes an
situation or needs. You need to determine whether this underwriting profit in accordance with the underwriting
product meets Your travel needs. targets it has set. This amount is calculated and paid
retrospectively only when GLA exceeds its underwriting
Travel Insurance Partners targets in a given year.
Travel Insurance Partners holds an Australian Financial Travel Insurance Partners employees are paid an
Services Licence that allows Travel Insurance Partners annual salary and may be paid a bonus based on
to provide You with general financial product advice business performance.
about this travel insurance product and to issue this
product to You. Travel Insurance Partners is responsible Australia Post and its Franchisees
for the provision of these services. Australia Post is paid a fee and/or commission by
Travel Insurance Partners acts under a binder authority Travel Insurance Partners when You purchase the travel
from Great Lakes Australia (GLA). This means that insurance at one of their outlets. This amount is paid
Travel Insurance Partners can arrange, vary or cancel out of the commission that Travel Insurance Partners
these policies and handle or settle claims on GLAs receives from GLA and it is variable as it depends on
behalf. Travel Insurance Partners acts for GLA when the distribution and other costs incurred by Australia
providing these services. You can find full details of Post and Travel Insurance Partners.
Travel Insurance Partners and GLA on pages 16-17 of Australia Post may receive other financial and non-
the PDS. financial incentives from Travel Insurance Partners.
Australia Post, Australia Post Services Such incentives may be dependent on a number of
performance related or other factors and may include,
Australia Post Services (holder of Australian Financial for example, prize pools, sponsorship of training
Services Licence No. 457551) and its Authorised events and conferences, marketing promotions
Representative Australia Post (AR No. 338646) (on andcompetitions.
behalf of Australia Post Services) (together us, our
Australia Posts employees may receive salaries, Australia Post Services uses the services of the
bonuses and/or company dividends in their own Financial Ombudsman Service for external dispute
business depending on the nature of their employment. resolution and their contact details are as follows:
Bonuses may be linked to general overall performance,
Mail: GPO Box 3, Melbourne VIC 3001
including sales performance and may include all or
Phone: 1300 78 08 08
part of the commission received by Australia Post.
Fax: 03 9613 6399
Australia Post may also pay their franchisees a fee or Website: www.fos.org.au
commission that is based on the number of polices sold.
What Professional Indemnity Insurance
Further Information Arrangements Do We Have In Place?
For more information about the remuneration or other
Australia Post Services holds professional indemnity
benefits received for the financial services provided,
insurance and other internal arrangements in place in
please ask Australia Post or Travel Insurance Partners
respect of financial services provided to retail clients
within a reasonable time of receiving this FSGS and
by Australia Post Services, Australia Post or Australia
before You choose to buy this product.
Post franchisees. Travel Insurance Partners also has
Complaints About Your Product professional indemnity insurance and compensation
arrangements in place. Each of these arrangements
If You have a complaint about the financial services
meet the requirements of the Corporations Act.
provided by Travel Insurance Partners please contact
Travel Insurance Partners on 1300 728 015 and Who Is Responsible For This Document?
refer to pages 24-25 for details of the complaint
resolutionprocess. Australia Post and Travel Insurance Partners are
responsible for this FSGS and Great Lakes Australia
Contact Details And Complaints For Australia Post
is responsible for the PDS. The issue of this FSGS has
Services And Australia Post
been authorised by Australia Post Services.
If You would like to contact Australia Post Services or
This FSGS was prepared on 6 March 2015.
Australia Post or have a complaint about the services
provided by Australia Post Services, Australia Post or
its franchisees, You should contact Australia Post by:
Phone: 13 13 18 from Australia, or +61 3 8847 9045
from overseas.
PDS Issue 4.
Mail: Australia Post
Customer Sales and Service
GPO Box 9911
Melbourne VIC 3001
Website: www.auspost.com.au
Our internal dispute resolution process requires that
we aim to resolve most complaints within 10 working
days. If we are unable to resolve your complaint to
your satisfaction within 45 days, You may be eligible
to escalate the complaint to our external dispute
resolution service.
Money Back Guarantee
(Up to 15 days from purchase. See page 4)
Overseas Medical and Dental Cover
Trip Cancellation and AmendmentCover*
Luggage Cover*
Rental Car Insurance Excess Cover*
*Available on the International Comprehensive Plan and

Domestic Plan.
AUSCM_P014_AuspostOnline_May14
To find out more,

1300 728 015 auspost.com.au/travelinsurance

Auspost Travel Insurance PDS

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Travel Insurance

Product Disclosure Statement

For a quote or to find out more:

Options To Vary Cover 8

Add Cover For Snow Skiing, Snowboarding

Existing Medical Conditions 11

Buy travel insurance online at

Or call 1300 728 015 to purchase a policy over the

phone (available 7 days).

24 Hour Emergency Assistance 14

How To Make A Claim 15

How Long Will My Claim Take? 16

Information To Know Before You Buy 16

Who Is The Insurer? 16

The Financial Claims Scheme 16

Who Is Travel Insurance Partners? 16

Who Is Australia Post? 17

Who Is Responsible For This Document? 17

When And How Are Benefits Provided? 17

Additional Policy Information 17

Change Of Terms And Conditions 18

Your Duty Of Disclosure 18

The Amount You Pay For This Insurance 19

How Various Factors Affect The Amount Payable 19

How A Claim Payment Is Calculated 20

Words With Special Meanings 26

Financial Services Guide Statement (FSGS) 52-55

Financial Services Guide Statement 52

1 Overseas Medical and Dental Expenses $Unlimited# $Unlimited# -

2* Additional Expenses $Unlimited $Unlimited $10,000

3* Amendment or Cancellation $Unlimited - $10,000

4* Luggage and Personal Effects $7,500 - $4,000

5 Travel Documents $5,000 - $4,000

6* Delayed Luggage Allowance $750 - -

8 Rental Car Insurance Excess $3,000 - $3,000

9* Travel Delay $2,000 - $1,000

10 Resumption of Journey $3,000 - -

11 Special Events $5,000 - -

12* Hospital Incidentals $5,000 - -

13* Loss of Income $10,000+ - -

14* Disability $25,000 +

15* Accidental Death $25,000+ $10,000 $10,000^

16 Personal Liability $5,000,000 $5,000,000 $5,000,000

Excess Options $0 or $100 $0 or $100 $50

Single Trip or Single Trip or Single Trip or

on the International Comprehensive Plan. Single Trip Or Annual Multi-Trip?

International Basic Plan.

Assistance in accessing medical treatment and Visit claims.travelinsurancepartners.com.au and

authorised Australian insurer, regulated by the

Australian Prudential Regulation Authority (APRA).

3. Limits Of Liability f) You must at Your own expense, supply any

2. If You Die Comprehensive Plan: Basic Plan: Domestic Plan:

The maximum benefit limit for this section is:

We Will Not Pay For: If due to an unforeseeable circumstance outside Your

Comprehensive Plan: Basic Plan: Domestic Plan:

24 Hour Emergency Assistance

Overseas Medical and Dental Cover

Trip Cancellation and AmendmentCover*

Rental Car Insurance Excess Cover*

*Available on the International Comprehensive Plan and

To find out more,

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