QBE Annual Multi Trip Travel Insurance - From $167.50 with cruising cover free of charge

QBE Annual Multi Trip Travel Plans - From $167.50 per adult
Now one of the cheapest plans available with travel up to 60 days per trip. If you are a regular traveller, whether it's overseas or within Australia, this policy offers independent cover for you and your partner, with accompanying children under 25 years at no extra charge. Extensions available if you are travelling over 60 days on any one trip. NEW...This Per Adult policy allows you to travel independently of any other named adult on your policy, so you won't have the hassle of purchasing travel insurance every time either of you travel.
	Cruising Worldwide is now automatically covered 'Free of Charge'
	Cover for prepaid travel arrangements if your services have been cancelled or delayed because of an involvment in an accident or incident or restricted because of severe weather, natural disaster, riot, strike, civil insurrection.
	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 more than 72 hours of any one trip is to these destinations.
	Additional premium to cover Snow Sports Unless you are travelling within Australia or to New Zealand where you are automatically covered. Covers ski lift passes, ski run closure, hire replacement snow equipment. Please read the PDS as conditions apply.

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
Laptops, Notebooks, Tablet PC's, personal digital assistants(PDA's), Smartphones and any other hand-held wireless devices that convey data or information. 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.
Specified Items: You can cover items worth more than the item limit specified on payment of an additional amount. Max individual item $6,000 Total all items $15,000. Please ensure you have proof of valuation not more than 12 months old. Valuation form
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: Cover for participating in a snow sports activity, other than in Australia and New Zealand, can be purchased for an additional premium.
Please read the PDS as conditions apply

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.

This policy provides cover for travelling both overseas or within Australia

You are covered whilst travelling independently of any other named adult on your policy.

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

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)

Travellers must be in Australia at the time the Certificate of Insurance is issued.

Insurance is not available to travellers outside Australia.

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"