If you are a regular traveller, whether it's overseas or within Australia, the annual, multi trip policy offers independent cover for you and your partner, with accompanying children under 25 years, for travel up to 60 days maxuimum per trip with extensions available.
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The QBE Annual Multi Trip Travel Plan covers two regions
Region A ... 'Worldwide INCLUDING the USA, South & Central America or Antarctica
Region B ...'Worldwide EXCLUDING the USA, South & Central America or Antarctica
with two excess options
either $NIL or $200 per claim.
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Extensions to cover trip duration longer than 60 days...
The way the gap extension for a trip applies is: |
Before departing on your trip you need to purchase a separate policy (International or Australian) to cover you for the extended time (over 60 days) you will be away.
Once you return to your residence in Australia the policy is reactivated, with the 60 days applying once again. |
You only need to purchase a policy that covers the region you will be in after the 60 days eg :
International Travel Plan for: |
Region 1 covers the USA, Central & South America and Antarctica ...
Region 2 covers Africa and Canada ...
Region 3 covers Europe and the Middle East ...
Region 4 covers Asia, china, Japan and Indian Subcontinent ...
Region 5 covers UK and Ireland ...
Region 6 covers Bali, Indonesia, South Pacific Islands and Norfolk Island ...
Region 7 covers New Zealand only or
The Australian Travel Plan to cover Australia, Christmas, Cocos and Lord Howe Islands and Antarctica Flyover |
Costings for this extra policy is available if you go online and quote, plus further extensions can be added provided the policy is still current. |
So you could purchase an Annual Policy to suit your requirements and then, once you know the dates and destination you will be in after 60 days, you could purchase the International or Australian policy that suits your needs. |
If you intend to participate in any snow sports while you are away, then you need to purchase the snow sports option in order to have cover for those activities.
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PER POLICY - Any High Risk or Existing Medical Condition (other than those conditions on the automatic approval list) must be disclosed and approved by QBE prior to the issue of the Certificate of Insurance. |
Annual Multi Trip Policy - Per Adult
(includes any accompanying child/children under 25 years) |
The Annual Multi Trip policy now offers independent cover for your partner, including accompanying child/children, which means each adult can travel separately with children and be covered on one policy or your can purchase separate policies as the price is the same. |
The Excess differences using the same policy is:
You are covered by the same departure date but if a claim is made then excess would be charged once, whereas two annual policies gives you the choice of different travelling dates but each policy would be charged an excess.
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For example;
If you were travelling together and your flights were cancelled, then you would both be making a claim for expenses incurred.
If you are on same policy the excess that applies to your policy, would be charged once.
If you are on separate policies you would each be charged the excess. (Excess is either $200 or $Nil) |
If you are adding your spouse after the initial certificate is issued, then it is processed as an upgrade to the existing policy.
The price is the same but you have cover for less time, as the expiry date would be the same as the existing policy.
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Consider a new policy for your partner if they decide to travel after the first certificate is issued. |
Additional Benefits you can purchase...
Benefits are available prior and post departure. |
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Snow Sports Cover |
You are not automatically covered for snow sports unless you are travelling to New Zealand. Cover can be purchased for an additional amount. If you are travelling to New Zealand cover will be provided under the Snow Sport Cover free of charge. Please read the PDS as conditions apply
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Additional Benefits |
Section |
Applicable limits Per Adult |
Any claim arising due to participation in snow sports |
J |
Up to the applicable limit of the relevant section |
| Ski Lift Passes |
No Excess |
J1 |
$300 |
| Ski Run Closure (Conditions apply) |
No Excess |
J2 |
$500 |
| Hire Replacement Snow Equipment |
No Excess |
J3 |
$300 |
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Additional Rental Vehicle Insurance Excess Cover |
If you are renting a car, campervan, motorcycle or boat you may have to pay an insurance excess for an accident or theft. QBE have included cover for rental vehicle insurance excess hovever you may with to increase this cover for an additional amount.
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| Maximum additional Cover |
Additional Units of Cover |
| $5,000 |
$20 per $500 unit |
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