QBE Toursafe International travel Insurance - Schedule of Benefits |
Think about what you will be doing on your holiday...
Check the applicable limits that apply for medical expenses in the region you are travelling to.
When you are choosing your insurance provider, be sure that you have everything in writing to state that you are covered for cancellation fees, travel delay, travel documents, computers, luggage and sporting equipment, overseas medical, hospital and related expenses, repatriation and additional expenses, replacement staff, loss of income, legal liability, sports and adventure cover, frequent flyer points etc?
What will you be doing on your holiday - snow boarding or skiing, surfing from land and boat?
Then consider the QBE addVANTAGE+option, to increase your cruise cancellation cover to unlimited and to cover your participation in a snow sports activity with damage to your sporting equipment while in use, plus increased cover for computer and cameras and more....
|
Are You Sure Your Have The Right Level Of Cover?
You need to make sure the limits of cover are approprite for your needs. Otherwise you may be under insured and have to bear part of any loss that exceeds the limits yourself.
Please refer to the applicable limits as set out in the Schedule of Benefits and the Policy Wording.
Consider the QBE addVANTAGE Option as it provides additional benefits and higher levels of cover. |
|
From as little as $25/$50 per adult, including your accompanying financially dependent child or children, you can take advantage of the QBE addVANTAGE Option, which allows you to add a range of increased and additional benefits to the basic International Travel Plan
|
QBE Toursafe International - Schedule of Benefits |
|
PER ADULT (includes any accompanying financially dependant child or children, step child or step children, nephews or nieces who are under 25 years of age at the time the Certificate of Insurance is issued )
Any Existing Medical Condition (other than those conditions on the automatic approval list) must be disclosed and approved by us prior to the issue of the Certificate of Insurance.
International Travellers 70 years or over must apply for Medical Appraisal cover regardless of their state of health. One Travellers Medical Appraisal Form per applicant needs to be completed and submitted
for review by QBE.
|
This list is a summary of some of the benefits covered by this policy and the applicable limits.
Please refer to the relevant section of the Policy Wording for full details of cover.
Other applicable limits may apply
|
Sections |
International Travel Plan
|
addVANTAGE Option |
Applicable Limits Per Adult |
Applicable Limits
Per Adult |
| Cancellation or Holiday Deferment Costs Excluding Cruising |
A1 |
Unlimited |
Unlimited |
| Cruising Cancellation or Holiday Deferment Costs |
A1 |
$2,000 |
Unlimited |
| Emergency Travel Arrangement and Accommodation Expenses |
A2 |
Unlimited |
Unlimited |
| Travel Agents Cancellation Fees |
A3 |
$2,000 |
$5,000 |
| Medical Expenses and Dental, Overseas and Onboard a
Cruise Ship
in Australian Waters |
B1 |
Unlimited |
Unlimited |
| Hospital Compensation |
B2 |
$8,000 |
$8,000 |
| Illness or Injury - Emergency Travel Expenses for a Relative |
B3 |
$20,000 |
$20,000 |
| Post-Hospital Accommodation |
B4 |
$500 |
$500 |
| Dental Expenses Due to Sudden and Acute Pain |
B5 |
$2000 |
$2,000 |
| Medical and Non Medical Evacuation and Repatriation |
C |
Unlimited |
Unlimited |
| Travel Delay |
D1 |
$1,000 |
$2,000 |
| Rental Vehicle Insurance Excess |
E1 |
$4,000 |
$8,000 |
|
Personal Computer Item Limit |
* F1
|
$1,000 |
$1,000 |
| Camera and Video Item Limit |
$1,000 |
$1,000 |
| Set of Golf Clubs Item Limit |
$500 |
$500 |
| Watches and Jewellery Item Limit |
$600 |
$600 |
| Dentures or Dental Prosthesis Item Limit |
$800 |
$800 |
| Other Item Limit |
$500 |
$500 |
| Maximum Item Limit Total |
$15,000 |
$15,000 |
| New for Old |
- |
Applicable Item Limit |
| Emergency Luggage |
NO EXCESS |
F2 |
$500 |
$750 |
| Stolen Cash |
NO EXCESS |
F3 |
- |
$250 |
| Damage to Sporting Equipment While In Use |
NO EXCESS |
F4 |
- |
$500 |
| Fraudulent Use of Credit or Debit Cards |
F7 |
$3,000 |
$3,000 |
| Accidental Death |
NO EXCESS |
G1 |
$25,000 |
$25,000 |
| Funeral Expenses Overseas or Repatriation of Remains |
NO EXCESS |
G2 |
$25,000 |
$25,000 |
| Funeral Expenses within Australia |
NO EXCESS |
G3 |
$5,000 |
$5,000 |
| Total Permanent Disability |
NO EXCESS |
G4 |
$10,000 |
$10.,000 |
| Loss of Income |
NO EXCESS |
G5 |
$2,000 per month
up to 6 months |
$2,000 per month
up to 6 months |
| Personal Liability |
H1 |
$3,000,000 |
$3,000,000 |
| Legal Expenses |
H2 |
$15,000 |
$15,000 |
| Financial Default |
I |
$10,000 |
$10,000 |
|
Any Claim Arising Due to Participation in Snow Sports |
J |
- |
Covered up to relevant Section Limit |
| Ski Lift Passes |
NO EXCESS |
J1 |
- |
$300 |
| Ski Run Closure |
NO EXCESS |
J2 |
- |
$500 |
| Hire Replacement Snow Equipment |
NO EXCESS |
J3 |
- |
$300 |
| Funeral Expenses Overseas |
G2 |
$25,000 |
$25,000 |
| Replacement Travel Documents |
F6 |
$2,000 |
$2,000 |
| Kidnap/Hijacking * New Cover |
D6 |
Unlimited |
Unlimited |
| Bonus Qantas Frequent Flyer Points |
|
1 point per $2 |
1 point per $1 |
* There is no cover under this policy for Luggage and personal effects that are left unattended. Please refer to the definition of unattended in the Policy Wording and What is not Covered? under Section F1 "Luggage and Personal Effects" |
Specified Item Cover |
You can cover items worth more than the item limits for the selected travel plan on payment of an additional amount. Items separately insured under Specified Item Cover are covered up to the amount specified, even if this amount exceeds the total luggage limit set out in the Schedule of Benefits. |
| PC'S |
Maximum Other Items |
Maximum Total For All Items |
To calculate the additional amount to specify
($1000 value x 3% = $30.00) |
$6,000 |
$6,000 |
$15,000 |
You must insure the total value per item. Please ensure you have proof of value (not more than12 months old) of any item you specify. This will be required should you make a claim. Depreciation does not apply to specified items in the event of a claim.
Specified Item Cover is subject to the tems and conditions as detailed under Section F1 ''Luggage and Personal Effects' in the Policy Wording.
|
For international travel, always confirm the status of your destination with the Department of Foreign Affairs and Trade (DFAT) on their web site...smarttraveller.gov.au DFAT has complete travel related advice and information
|
24hr World-Wide Emergency Assistance
QBE's - OMEGA is a Worldwide Travellers Assistance Service on call 24/7 to provide you with assistance when you need it most.
One call connects you to our experienced case managers who are specially trained to deal with difficulties that may confront travellers overseas.
Passport Partner Assistance Card provided with your policy, contains the information needed to activate this service for Medical, Hospital, Repatriation, Reschedule Travel Plans, Loss of Passport, Visa, Travel Documents, Luggage etc, in an emergency |
|
Qantas Frequent Flyer Points |
One Qantas Frequent Flyer point can be earnt for every two dollars spent on a International Travel Plan. You will be eligible for these points upon departure. Points will be credited to your Qantas Frequent Flyer account within 6 weeks of departure.
If you purchase a QBE addVANTAGE Option at the time the original Certificate of Insurance is issued you will earn double Qantas Frequent Flyer points. You must be a member of the Qantas Frequent Flyer program to earn points in accordance with the Terms and Conditions of the Qantas Frequent Flyer program. A joining fee applies. For further information on ther Qantas Frequent Flyer program visit qantas.com.au
|
|
|
