Travel Insurance

Product Disclosure Statement

Eective 1 June 2017

For a quote or to nd out more:

1300 728 015 auspost.com.au/travelinsurance

The insurer of this product is Zurich Australian Insurance Limited (ZAIL),

ABN 13 000 296 640, AFS Licence Number 232507.

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international or domestic trip and for frequent

travellers, we have an annual multi-trip option.

When you’re overseas, if you fall ill or become injured,

it can be expensive. This policy includes access to our

24hour emergency assistance team who can take care

Travelling can be an amazing experience, but if the

unexpected occurs, you can depend on AustraliaPost

Please read the PDS carefully to ensure it provides

the cover you need. If you have any questions please

contact us.

The PDS details;

• the benets – read these together with the options to

vary cover;

• requirements if You have an Existing Medical

Condition or are pregnant;

• obligations in relation to Your duty of disclosure;

• denitions of ‘words with special meaning’ where

entire premium unless You have already:

• made a claim under the policy; or

• departed on Your Journey.

policy please contact us.

Single Trip policy each time You travel, You may want

and be covered for an unlimited number of Journeys

When travelling internationally You can choose the

excess. The higher the excess chosen, the lower the

premium.

The excess will be shown on Your Certicate of

Insurance and only applies in the event of a claim.

The International Plan does not automatically include

cancellation cover however, You can add the amount

of cancellation cover that suits You. Select an amount

on the policy.

The level of cover You choose will be the total amount

of cover available under Section 3, on a per policy basis

and will be shown on Your Certicate of Insurance.

• Keep Valuables with You (where security regulations

allow You to do so) rather than checking them in with

the Transport Provider.

• Do not leave Valuables in a motor vehicle at any time.

gold, silver or precious metals; binoculars; jewellery;

• A maximum limit of $2,000 applies to any other items

vehicle. Also, don’t leave items in a motor vehicle

as an original police report is required for any claim

the related party. For example, an Airline Property

Irregularity Report (P.I.R.) is also required if Your items

The following limits apply to any one item, set or pair of

items (including attached and unattached accessories):

Cameras

& video

cameras

You may be able to increase the item limit by paying an

additional premium.

Receipts or valuations (less than 12 months old) must be

*There is no luggage cover on the International

Basic Plan.

If Your condition:

• does not meet the criteria above;

• You have one or more conditions which are not listed

• a combination of both the above points

Your quote. You may also contact us for assistance.

• Check all Existing Medical Conditions have been

• We will provide Your assessment outcome and

If We can approve Your health assessment, You must

pay an extra premium.

An approval number for this cover will then be listed

on the Certicate of Insurance We give You. Special

conditions, limits and excesses may apply depending

on Your Existing Medical Condition, age, trip destination

and duration. This will be stated on Your Certicate of

Insurance or separately advised to You in writing.

If You have a chronic lung condition*, unless You

• that condition;

*Chronic lung condition includes Chronic Asthma,

Chronic Bronchitis, Chronic Obstructive Pulmonary

Disease (COPD), Emphysema or Pulmonary Fibrosis.

*Cardiovascular Disease includes Aneurysms, Angina,

Cardiac Arrhythmias (disturbances in heart rhythm)

Cardiomyopathy, Cerebrovascular Accident (CVA

or Stroke), previous heart surgery (including valve

replacements, bypass surgery or stents), Myocardial

Infarction (Heart Attack) or Transient Ischaemic

not You have been treated with bypass surgery or

coronary artery stent insertion. If You haven’t told Us

Expectant mothers should consider if Our products

are right for them when travelling after 23 weeks

and6days gestation as costs for childbirth and

neonatal care overseas can be expensive.

being approved.

exceed $500.

Visit www.claims.travelinsurancepartners.com.au and

Submitting Your claim online will ensure You get the

c/o Travel Insurance Partners

PO Box 168

North Sydney NSW 2060

Australia

You will hear back within 10 working days from the

time We receive Your claim. We may approve and

settle, investigate or decline the claim or request

further information.

Insurance Limited (ZAIL), ABN 13 000 296 640,

AFS Licence Number 232507.

services in more than 210 countries and territories.

Zurich’s customers include individuals, small

including multinational corporations. ZAIL’s contact

details are:

PO Box 677, North Sydney NSW 2059

If the insurer becomes insolvent, You may be entitled

to payment under the Financial Claims Scheme (FCS).

Access to the FCS is subject to eligibility criteria. Please

The benets for which You are insured under this policy

For more information about how Your personal

information is collected, used or disclosed, how to

access or seek correction to Your personal

such a complaint will be handled, please contact us or

Travel Insurance Partners Pty Ltd

Mail: Private Bag 913

Email: privacy.oicer@travelinsurancepartners.com.au

Call: 1300 131 746

Website:

travelinsurancepartners.com.au/privacy-statement

If You think We have let You down in any way, or Our

• Call 1300 728 015.

• We will listen to You, consider the facts and respond

• If You are unhappy with Our response, please tell Us.

• We will undertake a separate review of the matter.

• If You are not satised with the resolution, then Your

We will send You Our nal decision within 45 days from

the date You rst made Your complaint.

We expect Our procedures will deal fairly and promptly

with Your complaint. However, if You are not satised

with Our nal decision You can choose to have the

matter resolved externally – with the Financial

Ombudsman Service (FOS) Australia. This is an

Financial Ombudsman Service Limited

Mail: GPO Box 3

THIS POLICY IS NOT VALID UNLESS A CERTIFICATE OF

• You are not aware of any circumstance which is likely

• You are a resident of Australia and will be returning

• if You purchase the Annual Multi-Trip policy, cover

In this PDS the following words have the following meaning:

“We”, “Our”, “Us” means Zurich Australian Insurance

Limited (ZAIL).

“You”, “Your”, “Yourself” means the people listed as

adults on the Certicate of Insurance and includes

of the persons listed as an adult other than:

a) in the event a claim arising from the one event

applied once;

travelling with their usual guardian must purchase a

“Accompanied Children” means Your children or

grandchildren who are identied on the Certicate

age of 21 years.

“Act Of Terrorism” means an act, including but not

the public, or any section of the public in fear.

“Additional” means the cost of the accommodation

or transport You actually use less the cost of the

the Journey proceeded as planned.

“Amount Payable” means the total amount payable

practitioner or dentist.

by a recognised public health authority.

the Relevant Time meets any one of the following:

a) has required an emergency department visit,

hospitalisation or day surgery procedure within the

last two years;

conrm or provide a diagnosis; or

“Period Of Insurance” means:

is later) until the time You complete the Journey or

the travel end date shown on Your Certicate of

Insurance (whichever is the earlier).

“Relative” means Your spouse, de facto, parent,

grandchild, brother, sister, son-in-law, daughter-in-law,

“Relevant Time” in respect of:

b) Annual Multi-Trip policies means the rst time at

policy are the amounts shown in the relevant table

for the plan selected (see pages 6-7) except:

13, 14, and 15 shall not exceed $25,000 on

the International Comprehensive Plan and for

Sections 14 and 15 shall not exceed $10,000 on

to increase the level of Rental Car Insurance

Excess cover; or

travel documents or money must be reported

within 24 hours to the police and (where

applicable) the responsible Transport Provider

possible and within 60 days of the return date

shown on Your Certicate of Insurance by

f) You must at Your own expense, supply any

documents in support of Your claim which We

and/or medical certicate.

g) You must co-operate fully in the assessment or

any return of the amount You have paid), We

may report You to the appropriate authorities

and You may be prosecuted.

i) Where You are a registered entity on a Domestic

Plan You may be entitled to an input tax credit

for Your Amount Payable and/or for things

covered by this policy. You must disclose these

reduce any claim payment by any input tax

credit You are, or would be, entitled to for the

repair or replacement of insured property or for

other things covered by this policy.

If You are able to claim from a statutory fund,

compensation scheme (for example a private health

the remaining amount.

We have the right to sue any other party in Your

You. You must provide reasonable assistance to Us.