Cruising in Australian waters - automatically covered free of charge with QBE Travel Insurance

QBE Australian Cruising Travel Plan
QBE Travel insurance can protect against the financial costs that result from situations where things go wrong or travellers find themselves in need of urgent medical attention or assistance while onboard a cruiseship..
Cruising in Australian waters now automatically covered 'Free of Charge'
	Cover if your pre-paid transport services, tour or accommodation have been cancelled or restricted because of severe weather, natural disaster or strike. Cover (limit $1,000) to make reasonable additional travel arrangements within 48 hours of a public warning that could impact your travel arrangements.

Australian Travel Insurance Plans - Key Benefits & Limits
Per adult includes any accompanying financially 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 cost	$10,000
Emergency travel arrangements and accomodation expenses	$10,000
Medical Expenses incurred only on board a cruise ship	$50,000
Dental Expenses due to sudden acute pain only onboard a cruise ship	$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
Laptops, notebooks,tablets, smartphones and any other hand-held wireless device that convey data or information.Individual item limit	$1,000
Camera & Video item limit	$750
Dentures or prosthesis	$800
Other individual item limit	$500
Cover for hiring replacement of lost, or damaged surf equipment	$200
Emergency Luggage	$500
Fraudulent use of Debit or Credit Cards	$3,000
Personal Liability	$300,000
Financial Default	$5,000
Additional Benefits you can purchase
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. Proof of valuation under 12 months required. Valuation form
Additional Rental Vehicle Insurance Excess: Cover can be increased to $5,000. Additional $20 per $500 unit of cover
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 high risk Medical condition
*	If you require cover for a high risk 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 children, grandchildren, stepchildren, nieces and nephews 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 apply for a medical appraisal (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. The excess will be subtracted from the amount QBE pays to you if you should make a claim under a section of the policy when the excess is applicable. 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)

You do not have to take cover for your existing medical condition However there is no cover under this QBE policy for any claim arising as a result of, or exacerbated by, or consequential upon your existing medical condition unless you have told QBE about it. Please refer to the section in the PDS headed 'Existing Medical Condition'. Form available when quoting. Not available after departure or to non residents of Australia.

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