Availability - These travel plans are available to Residents of Australia regardless of age and to Non Residents of AUstralia aged under 60 yers when the Certificate of Insurance is issued

Eligibility
*	Insurance is not available to travellers outside Australia
*	The terms and conditions of the QBE 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.
*	This QBE policy must be issued prior to the commencement of your trip if you are a non resident of Australia, travelling to Region A destination or you are 60 years of age or over at the time the original Certificate of Insurance is to be issued
*	There is not provision to suspend this QBE policy during the period of insurance.
*	The QBE International Travel Plan can be purchased up to 12 months prior to departure provided you are under 60 years of age and you do not require cover for an existing medical condition.

Restrictions To Cover
*	There is no cover under this QBE policy for any claim that results from your participation in a snow sports activity unless you have purchased the Snow Sport Option. (Unless you are travelling to New Zealand only where cover is provided Free)
*	Cover for cruise ship must be purchased if cruising for more than 4 consecutive days or else there is no cover under this policy
*	The applicable limits listed in the Schedule of Benefits are per adult, including any accompanying child or children
*	You cannot substitute the nominated insured, whose name appears on the Certificate of Insurance.

Extensions

Under 70 Years When original Certificate of Insurance issued. Up to a maximum total duration of 24 months from departure

70 Years or Over When original Certificate of Insurance issued. Up to the maximum total duration applicable to your age band

Excesses

On the International Travel Plan depending on your age and destination alternate excesses may be available. An excess pf $200 per adult is payable per claim unless the International Nil Excess Option is purchased. Travellers insured on the same Certificate of Insurance must select the same excess option

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, QBE have agreed to cover you and you have paid any additional premium QBE ask for. If you require cover for your existing medical condition(s) (including pregnancy) or over 70 years of age, application for cover is available online when quoting.

International < 70 Years ..Available cover is not compulsory International > 70 Years .. Available cover has compulsory completion of a travellers medical appraisal form. Not available after departure or to Non Resident 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 (see PDS for details). If you do not select this additional benefit there will be no cover if your trip is cancelled, cut short or disrupted as a result of your non-travelling relative's or business partner's existing medical condition unless you have told QBE about it, QBE have agreed to cover you and you have paid any additonal premium QBE ask for. Application for cover is available online when quoting.

International Cover Available ...

Not after departure or to Non Residents of Australia

For international travel, always confirm the status of your destination with the Department of Foreign Affairs and Trade (DFAT) on their web site...smartraveller.gov.au DFAT has complete travel related advice and information