Annual Multi Trip Travel Insurance - Premiums from $167.50 per adult. Travel for 60 days

QBE Annual Multi Trip Travel Plans - from only $167.50 per adult
If you are a regular traveller for business or leisure, either overseas or within Australia, this 'Per Adult' policy allows the family to travel together or individually with your children, so you won't have the hassle of purchasing travel insurance every time either of you travel. Extensions for trips over 60 days are available to cover the region you will be in.
	REGION A ... World wide Including ... USA, South or Central America and Antarctica REGION B ... World wide Excluding ...USA, South or Central America and Antarctica unless spending more than 72 hours in any of these destinations. NEW... Canada in now included in Region B.
	Travel Insurance when Cruising Worldwide is now automatically covered 'Free of Charge' For medical expenses and dental due to sudden, acute pain while onboard a cruise ship in International and Australian waters.
	Cover for Snow Sports in Australia and New Zealand is 'Free of Charge'. All other regions and destinations require the Additional Benefit payment

QBE Annual Multi Trip - Schedule of Benefits and Limits
Per adult includes any accompanying dependant children under 25 years. This list is a summary of some of the benefits and limits covered by this policy. Please read the PDS as conditions apply.	Applicable Limits Per Adult
Cancellation or holiday deferment costs	Unlimited
Emergency travel arrangements and accommodation expenses	Unlimited
Medical and dental expenses	Unlimited
Evacuation and repatriation	Unlimited
Hijacking	Unlimited
Travel delay	$1,500
Alternative staff	$5,000
Rental vehicle insurance excess	$4,000
Luggage and personal effects maximum item limit total	$15,000
Personal computer laptop, notebooks, blackberry and other hand-held personal digital assistants. individual item limit	$6,000
Camera & video individual item limit	$4,000
Set of golf clubs individual item limit	$3,000
Dentures or dental prosthesis individual item limit	$800
Other individual item limit	$1,000
Emergency luggage	$500
Replacement passports and travel documents	$2,000
Fraudulent use of credit or debit cards	$3,000
Business documents and equipment hire	$2,000
Loss of income	$10,000
Personal liability	$2,500,000
Legal expenses	.$15,000
Financial default	$10,000
Bonus Qantas Frequent Flyer Points	1 point per $2
Additional Benefits you can purchase - Benefits are available prior and post departure.
Cruising: Now covered automatically Free of Charge.
Specified Items: To cover items worth more than the item limit of $1,000. Cover up to $6,000 per item, maximum total for all items $15,000
Additional Rental Vehicle Insurance Excess: Cover can be increased to $5,000. Additional $20 per $500 units of cover
Excess: Consider the $NIL excess option otherwise you will have to pay $200 for each claim made throughout the year
Snow Sports: Cover for Australia and New Zealand is'Free of Charge' all other regions and destinations require the additional benefit payment.
Please read the PDS as conditions apply
Accompanying Spouse Option
You can apply for the accompanying spouse option, (per adult, including any accompanying children) cover for your spouse, at any time during the period of insurance, Cover under this option will be the same as the original certificate of insurance and will be covered under the same excess. OR You can purchase a separate Annual Certificate of Insurance for your travelling partner (per adult including accompanying children) at any time, this policy will start on the nominated departure date and expire 12 months later and have its own nominated excess payable on any claims.
Existing Medical Conditions (EMC): You must tell QBE if you or anyone in your travelling party has a High Risk EMC or requires cover for any other EMC other than those automatically covered. Please read the PDS as conditions apply.
Existing Medical Conditions [EMC] of a non travelling relative or business partner: Provided they are under 80 years of age you can apply to cover their EMC if their state of health could disrupt your travel plans even though they are not travelling with you.

Guidelines

This policy is available to residents of Australia who are under 70 years of age at the time the Certificate of Insurance is to be issued. Read the PDS carefully before buying, and be aware of any special conditions, excluded circumstances and events.

This policy provides cover for travelling both overseas or within Australia

There is no limit to the amount of trips you may take during your 12 months period of insurance.

Extensions: the maximum duration of any one trip is 60 days. For any trips longer than this duration you can extend by applying online for a separate International or Australian Travel Plan to cover the period of the trip that exceeds the maximum duration of 60 days. (please refer to the section headed extensions)

The Certificate of Insurance must be issued prior to the commencement of your trip

Insurance is not available to travellers outside Australia.

The terms and conditions of the policy are subject to the laws of the Australian state or territory where the Certificate of Insurance is issued. You agree to submit to the jurisdiction of the courts of that state or territory.

The Annual Multi Trip Travel Plan cannot be purchased more than 12 months prior to the nominated "Commencement Date".

There is no cover under this policy when you are between trips other than any benefits you may be entitled to under Section A"Cancellation and Additional Expenses"

You cannot substitute the nominated insured, whose name appears on the Certificate of Insurance. This does not apply to Section D9 "Alternative Staff" provided the replacement employee submits and Application Form and if required a Travellers Medical Appraisal Form and cover is approved by QBE