QBE Australian Travel Insurance - Free cover for cruising and snow sports

Holidays in Australia - QBE Australian Travel Insurance Plans
What you will be doing on your holiday?... The QBE Australian Travel Insurance plan offers a comprehensive holiday insurance cover for single domestic trips within Australia, Lord Howe Island, Christmas or Cocos Islands whether your are flying, touring by coach, rail, motorhome, campervan or cruising in Australian waters. Consider the Annual Multi Trip Travel Plan if you are planning more than one trip over the next twelve months
	Cruising Cover is now 'FREE' of Charge Cover for medical expenses and dental expenses, due to sudden and acute pain, incurred onboard a cruiseship in Australian Waters.
	'FREE' Snow Sports Cover When participating in a snow sports activity in Australia, including snowboarding, skiing and biking. Please read the PDS as conditions apply

Australian Travel Insurance Plans - Key Benefits & Limits
Per adult includes any accompanying 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 cost	$10,000
Emergency travel arrangements and accommodation expenses	$10,000
Medical Expenses incurred on board a cruise ship	$50,000
Dental Expenses due to sudden and acute pain	$1,000
Evacuation and Repatriation	$10,000
Travel Delay	$500
Agents Cancellation Fees	$2,000
Rental Vehicle Insurance Excess	$3,000
Luggage and Personal effect item limit total	$4,000
Personal Computer: Laptop, notebooks, blackberry and other hand-held personal digital assistants individual item limit	$1,000
Camera & Video item limit	$750
Dentures or prosthesis	$800
Other individual item limit	$500
Emergency Luggage	$500
Fraudulent use of Debit or Credit Cards	$3,000
Personal Liability	$300,000
Financial Default	$5,000
Cruising: Now automatically covered Free of Charge when onboard a cruise ship in Australian Waters.
Additional Benefits you can purchase - Benefits are available prior and post departure.
Specified Items: To cover items worth more than the item limit of $500. Cover available up to $6,000 (pc's) and $4,000 other items, maximum total for all items $10,000
Additional Rental Vehicle Insurance Excess: Cover can be increased to $5,000. Additional $20 per $500 unit of cover
Snow Sport Cover Option: Cover for participating in Snow Sports within Australia is FREE of charge
Please read the PDS as conditions apply

Guidelines

The Australian Travel Plan can be issued at any time unless you require cover for an existing Medical condition

If you require cover for an existing medical condition you cannot purchase insurance more than 12 months prior to travel.

All Australian Travel Plans are available to residents of Australia regardless of age.

The Australian Travel Plan is available for non-residents of Australia, if you are under 70 Years when the Certificate of Insurance is issued

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.

There is no provision to suspend this policy during the period of insurance

This policy ends once you have returned to your normal place of residence within Australia

The premium payable is per adult. A maximum of 2 adults can be named on a Certificate of Insurance. Accompanying child or children, who are under 25 years of age at the time the Certificate of Insurance is issued, and who are financially dependant on you during the trip, are covered at no additional cost

If you are aged more than 80 years, then you must fill out the medical appraisal form (available when quoting) and submit to QBE for assessment

Excesses

The amount of the excess will be shown on your Certificate of Insurance. An excess of $50 applies to each claim you make under this policy except for the "no excess' applicable sections. If you make more than one claim, the excess will apply to each claim which arises as a result of each separate set of circumstances.

Extensions

Available regardless of you age. Up to a maximum total duration of 12 months from departure

Existing Medical Conditions (Including pregnancy)

Existing Medical Conditions (EMC): Please read the PDS as conditions apply.
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.

Existing Medical Conditions of a Non Travelling Relative or Business Partner

You may also choose to take out cover to protect you if your trip is cancelled, cut short or disrupted due to an existing medical condition of a non-travelling relative or business partner provided they are under 80 years of age. Not available after departure or to non residents of Australia