NAB Card Insurance - policy information booklet

NAB

Card Insurance

Policy Information Booklet

Eective 1 November 2023

Contact Allianz Global Assistance

Claims & Enquiries

Online Lodge your International Travel Insurance claim at:

claimmanager.com.au/nab

Access claim forms 24 hours a day, 7 days a week at:

travel.agaassistance.com.au/nab/make-a-claim

Phone 1800 187 025 (within Australia)

Enquiries

Monday to Friday 8.00am to 7.00pm AEST

Claims

Monday to Friday 8.30am to 5.00pm AEST

Email cardclaims@allianz-assistance.com.au

24-hour Emergency Assistance

Please call emergency services immediately if your

condition is life threatening.

Phone 1800 010 075 (within Australia)

+617 3305 8800 (overseas)

Please note, additional charges may apply from any calls made

from mobiles, public telephones or hotel rooms.

Email medical@allianz-assistance.com.au

The Group Policy insurer is:

Allianz Australia Insurance Limited (Allianz)

ABN 15 000 122 850, AFSL 234708 of

Level 16, 10 Carrington St, Sydney, NSW, 2000

The Group Policy is issued and managed by:

AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631

trading as Allianz Global Assistance of Level 16,

310 Ann Street, Brisbane, QLD 4000.

IMP3375

Letter of Eligibility for International Travel Insurance

You can obtain written confirmation of eligibility for

cover for your overseas journey based on the answers

you give us, by applying online at:

http://www.checkyourcover.com.au/nab. If you provide

us with incorrect answers to the questions we ask you,

you may not be eligible for cover under the Group Policy

issued to the Bank.

Changes to this booklet

The information in this booklet is subject to change from

time to time and is correct and current as at the date on

the cover. The Termination or variation of cover clause

on page 5 sets out the notice The Bank will provide to

you when changes are made to the terms and conditions

related to the insurance cover available to you or where

the policy is terminated. A new Policy Information

Booklet reflecting the changes will be made available on

the Bank’s website www.nab.com.au.

Contents

Important information about the

complimentary covers available 4

Introduction 4

Allianz – the insurer 4

The Bank is not the issuer (insurer) of the covers 5

Termination or variation of cover 5

Other Insurances 6

Limitation of cover 6

Allianz Global Assistance Privacy Notice 7

Definitions 10

Summary of Cover by Card Level 18

International Travel Insurance

(For persons aged under 81 Years) 19

Part A – Eligibility for Cover 19

Part B – Period of Cover 21

Part C – Benefit Limits 23

Part D – Excesses & General Exclusions 27

Part E – The Cover Available 31

Domestic Travel Insurance 64

Part A – Eligibility for Cover 64

Part B – Period Of Cover 65

Part C – Benefit Limits 66

Part D – Excesses & General Exclusions 67

Part E – The Cover Available 70

Rental Vehicle Excess Insurance in Australia 81

Part A – Eligibility for Cover 81

Part B – Period of Cover 81

Part C – Benefit Limits 81

Part D – Excess & Exclusions 82

Part E – The Cover Available 83

Purchase Protection Insurance 85

Part A – Eligibility for Cover 85

Part B – Period of Cover 85

Part C – Benefit Limits 85

Part D – Excess & Exclusions 86

Part E – The Cover Available 88

Extended Warranty Insurance 90

Part A – Eligibility For Cover 90

Part B – Period Of Cover 90

Part C – Benefit Limits 91

Part D – Excess & Exclusions 91

Part E – The Cover Available 92

Claims 93

How to make a claim 93

Depreciation 94

Claims are payable in Australian dollars 95

Recovery 96

How GST may affect your claim 97

Fraud 97

Complaints & Disputes 98

General Insurance Code Of Practice 98

Important information about the

complimentary covers available

Introduction

This booklet describes the complimentary insurance

benefits provided by Allianz Australia Insurance Limited

(Allianz), which are available to cardholders and other

eligible beneficiaries. Cover applies to events occurring

on or after 1 November 2023. You are not covered for

events occurring after termination of or the expiry of

the period of the Group Policy. The Bank will advise

accountholders of any replacement cover.

Allianz – the insurer

These covers are available under a Group Policy issued

to the Bank by AWP Australia Pty Ltd, ABN 52 097 227

177, AFSL 245631 trading as Allianz Global Assistance

of Level 16, 310 Ann Street, Brisbane, QLD 4000 (Allianz

Global Assistance) under a binder from the insurer,

Allianz Australia Insurance Limited, ABN 15 000 122 850,

AFSL 234708, of Level 16, 10 Carrington Street, Sydney,

NSW 2000 (Allianz).

For general enquiries call Allianz Global Assistance.

Allianz Global Assistance issues and manages the Group

Policy on behalf of Allianz.

The covers described in this booklet are available for

your benefit under a Group Policy entered into between

Allianz Global Assistance on behalf of Allianz and the

Bank. The Bank is the Group Policy owner. When eligible,

you have the benefit of cover as a third party beneficiary

by reason of the statutory operation of Section 48 of the

Insurance Contracts Act 1984 (Cth).

There is no obligation to accept any of these benefits.

However, if you wish to claim any of these benefits,

you will be bound by the definitions, terms, conditions,

exclusions, limits, applicable sub-limits and claims

procedures contained in this booklet.

Please read this booklet carefully and keep it in a

safe place.

Also please keep detailed particulars and proof of any

loss. Examples may include sales receipts and card

account statements showing any purchases.

The Bank is not the issuer (insurer) of

the covers

The Bank is not the issuer (insurer) of these covers and

neither it nor any of its related corporations guarantee

or are liable to pay any of the benefits under the covers

available.

These benefits are available to the beneficiaries upon

meeting the eligibility under these covers.

Neither the Bank nor any of its related corporations are

Authorised Representatives of Allianz, Allianz Global

Assistance or their related companies and the Bank does

not receive any commission or remuneration in relation

to the insurance set out in this booklet.

Termination or variation of cover

The Bank or Allianz may terminate or agree to vary the

terms, conditions and cover available to cardholders

under the Group Policy as set out in this booklet. If this

occurs, the Bank will give the accountholder at least 30

days’ written notice before the termination or change

takes effect. The Bank may give less notice, or publish

the notice on the Bank’s website if:

• there is a minor change with no eect to the

cardholders’ cover or eligibility criteria (e.g. change of

contact details);

• the variation is favourable to the cardholder (in which

case the Bank will take reasonable steps to provide

written notice as soon as reasonably possible); or

• The Bank and Allianz is reasonably required to act

quickly to change the terms of the Group Policy to

manage a material and immediate risk arising from:

a) a potential or actual breach of any law; or

b) a proposed change in, or interpretation of, a law or

any decision, recommendation, regulatory guidance

or standard of any court, tribunal, ombudsman

service, regulatory or other similar body.

A risk will be considered material and immediate if to

protect the Bank’s and/or Allianz’ legitimate business

interests, the Bank and/or Allianz are required to act

quickly to change the terms, conditions and/or cover,

or terminate the cover, as set out in this booklet.

Where there is a termination or change to the terms,

conditions and/or cover as set out in this booklet, the

existing terms, conditions and/or cover will only apply

to events occurring before the date of the change or

termination.

Where the Group Policy is terminated, no cover

is available for events occurring after the date of

termination. The Bank will provide accountholders

with details of any replacement cover and its relevant

effective date.

Other Insurances

If you are entitled to receive a benefit or make a claim

under another insurance policy (Other Policy) (for

example, a comprehensive travel insurance policy you

purchased separately for your overseas journey), in

respect of the same loss as your claim under this Group

Policy, then, subject to the provisions of the Insurance

Contracts Act 1984 (Cth), Allianz is not liable to provide

indemnity under this Group Policy until the amount of any

indemnity under that Other Policy is exhausted. In other

words, any cover made available under this Group Policy

in respect of the same loss shall only be excess insurance

cover over and above the applicable Other Policy.

If you make a claim under another insurance policy

and you are not paid the full amount of the claim, then,

subject to the provisions of the Insurance Contracts Act

1984 (Cth), the cover made available to you under the

Group Policy will make up the difference, to the extent

of cover that applies, in accordance with the terms and

conditions contained in this booklet.

Should we make payment to you for the full amount of

the claim, we may seek contribution from your other

insurer. In such circumstances, you must give us any

information that we reasonably require to help us make

a contribution claim from the other insurer.

Limitation of cover

Regardless of any other provision of the policy, we shall

not be deemed to provide cover or be liable to pay any

claim or provide any benefit (including a refund on

premium) under this policy to the extent that provision

of such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the trade

or economic sanctions, laws or regulations of Australia,

New Zealand, the European Union, United Kingdom or

United States of America.

Allianz Global Assistance Privacy Notice

To offer or provide you with our insurance services,

we, namely AWP Australia Pty Ltd ABN 52 097 227 177

trading as ‘Allianz Global Assistance’ and as agent for the

insurer Allianz, collects, stores, uses, and discloses your

personal information including sensitive information.

The insurance cover arises from a Group Policy taken

out between your bank and Allianz and under which you

are entitled to cover as a beneficiary when you meet the

eligibility criteria set out in the Group Policy wording.

We usually collect your personal information directly

from you, but sometimes from others depending upon

the circumstances.

For example, when you make a claim for cover, we

may collect your personal information from you, the

Group Policy holder (to check you have met eligibility

requirements), your family members and travel

companions, as well as from third parties that provide

services including doctors, hospitals, airlines, travel

and accommodation providers, your agents and

representatives, our agents, and other service providers.

We are responsible for ensuring your personal

information is used and protected in accordance with

applicable laws and regulations, including the Privacy

Act 1988. We collect your personal information to

enable us to properly assess and manage your insurance

claim, and to provide the services we have agreed to

provide under the Group Policy. For example, we collect

your name, address, date of birth, email address, and

sometimes your medical information, bank account

details, as well as other information we collect through

devices like ‘cookies’ when you visit our website such as

your IP address and online preferences.

We use your personal information to offer and provide

our services and to manage your and our rights and

obligations in connection with your claim. For instance,

we use it to check, process, and finalise your

insurance claim.

We may also use it for product development, customer

data analytics, research, IT systems maintenance and

development, recovery against third parties, for the

detection and investigation of fraud, and for other

purposes with your consent or where permitted by law.

We do not use your personal or sensitive information for

marketing purposes or provide that information to any

third parties for marketing.

Your personal information may be disclosed to third

parties (some of whom are data processors) who

assist us to carry out the above activities both inside

and outside of Australia, such as claims management

providers, travel agents and intermediaries, insurers,

investigators, cost containment providers, medical

and health service providers, overseas data storage

(including ‘cloud’ storage) and data handling providers,

legal and other professional advisers, your agents, your

travel group leader if you travel in a group, the Bank if

you are the beneficiary of the Bank’s card insurances,

insurance reference bureaux, and our related and group

companies including Allianz. Some of these third parties

may be located in other countries including in Europe,

Asia, Canada, or the USA.

When you provide personal information to us about

other individuals, we rely on you to have first obtained

the individual’s consent, and to have made them aware

of the matters set out in this Privacy Notice.

You may also seek access to your personal data and ask

us to correct and update it. We will delete your personal

data when we no longer need it for a legitimate purpose.

You may not access or correct personal information of

others unless you have been authorised by their express

consent, or unless they are your dependants under 16

years of age.

If you have a request or complaint concerning

your personal information or about data privacy,

please contact: The Privacy Officer, Allianz Global

Assistance, PO Box 162, Toowong, QLD 4066, or email

DataPrivacyAU@allianz-assistance.com.au.

You can also contact the Privacy Commissioner at the

Office of The Australian Information Commissioner, GPO

Box 5288, Sydney, NSW 2001 if you have a complaint.

For more information about our corporate privacy policy

and handling of personal information, including further

details about access, correction and complaints, please

visit our website at www.allianz-assistance.com.au and

click on the ‘Privacy & Security’ link in the footer.

If you do not agree with the matters set out in our

information we request, we may not be able to provide

you with our services including the assessment and

payment of any claims. In cases where we cannot comply

with your request concerning your personal information,

we will give you reasons why.

Definitions

There are some words in this booklet that have a special

meaning. When the following words and phrases appear

in this booklet they have the meanings given below.

The use of the singular shall also include the use of the

plural and vice versa.

accident/accidental/accidentally means a sudden,

unforeseen and unintended event.

accountholder means a customer of the Bank, being

an individual, business entity or company, who has

entered into a card account with the Bank and in whose

name the card account was opened. The accountholder

is the individual, business entity or company that has

contractual obligations with the Bank under the card

account.

Allianz means Allianz Australia Insurance Limited,

ABN 15 000 122 850, AFSL 234708.

Allianz Global Assistance means AWP Australia Pty Ltd,

ABN 52 097 227 177, AFSL 245631.

Bank means National Australia Bank Limited (NAB)

ABN 12 004 044 937 of Level 28, 395 Bourke Street,

Melbourne, VIC, 3000.

card means a current and valid Level 1 Card, Level 2 Card

or Level 3 Card issued by the Bank.

card account means:

• a current and valid card facility provided by the Bank

to which purchases made by cardholders on a card are

charged; or

• the primary account linked to a card issued by the

Bank to which a transaction is routed by any electronic

funds transfer facility.

cardholder means a person who resides in Australia

(including holders of a visa issued under the Migration

Act 1958 (Cth) which entitles the holder of the visa to

residency) to whom the Bank has issued a card (this

includes primary and additional cardholders).

chronic means a persistent and lasting condition. It may

have a pattern of relapse and remission.

concealed storage compartment means a boot, trunk,

glove box, enclosed centre console, or concealed cargo

area of a vehicle.

covered breakdown means the failure of a covered item

to operate for the purpose for which it was designed, as

a direct result of a breakdown or defect. This does not

include where the breakdown or defect is covered by the

terms of the manufacturer’s warranty.

covered item means an item acquired for personal,

domestic or household use but excludes:

• items acquired for the purpose of sale or trade;

• animals or plant life;

• boats, automobiles, motorboats, motorcycles,

airplanes or any other motorised vehicles and their

integral parts and installed accessories;

• computer soware and other non-tangible items;

cash, bullion, negotiable instruments, vouchers,

gi cards, securities, trading cards, tickets of any

description, travellers cheques or collections such

as stamps, coins and cards;

• consumable or perishable items (including but not

limited to food, drink, drugs, cosmetics, fuel or oil);

• manuscripts and books of account;

• second-hand items including works of art and

antiques;

• items of contraband;

• real estate and movable fixtures or fittings (including

but not limited to dishwashers, stoves, ovens and fixed

air conditioners) which are or are intended to form

part of any residence or real estate.

dependant means:

• your child (including step-child, adopted child, foster

child and child you care for under a legal guardian

arrangement), not in full-time employment and who is

aged under 25 years at the time that their eligibility for

cover is met; or

• a person who is physically or mentally incapable of

self-support who the cardholder is legally responsible

for and who lives with the cardholder.

Dependant does not include any person other than

those listed.

epidemic means an infectious disease that rapidly

spreads to a large number of people in a community,

population or region, that is recognised or referred to

as an epidemic by the World Health Organisation (WHO)

or an official government authority.

excess means the deduction we will make from the

amount otherwise payable for each claimable incident

or event.

financial default means insolvency, bankruptcy,

provisional liquidation, financial collapse, appointment

of receivers, or any other form of insolvency

administration or the happening of anything of a similar

nature under the laws of any jurisdiction.

funeral expenses means the costs charged by a funeral

director for arranging a funeral service and by a

cemetery for a burial or a crematorium for a cremation.

It does not include the cost of memorialisation or any

other costs.

Group Policy means an insurance policy on the terms

and conditions set out in this booklet, issued by Allianz

Global Assistance on behalf of the Insurer Allianz, under

which the Insurer does, by operation of section 48 of

the Insurance Contracts Act, provide insurance cover

benefits for cardholders (including spouses and/or

dependant/s) as third party beneficiaries (as that term

is defined in the Insurance Contracts Act).

home means the place where you normally live in

Australia.

hospital means an established hospital registered under

any legislation that applies to it, that provides in-patient

medical care. It does not include any institution used

primarily as a nursing or convalescent home or a place

for the treatment of alcoholism, drug addiction or

substance addiction.

income means the amount of money you earn from

your employment in a trade, business, profession or

occupation after the deduction of income tax.

injure or injured or injury means bodily injury caused

solely and directly by violent, accidental, visible and

external means, which happens at a definite time and

place during the period of cover available and does not

result from any illness, sickness or disease.

journey means travel which begins when you leave

home or your place of business to commence your travel

and ends when you arrive back home or at a hospital

or nursing home in Australia (if you are evacuated or

repatriated), whichever happens earlier.

Level 1 Card means the following cards issued by

the Bank:

• NAB Qantas Rewards Signature Credit Card; or

• NAB Rewards Signature Credit Card.

Level 2 Card means the following cards issued by

the Bank:

• NAB Low Fee Platinum Credit Card; or

• NAB Premium Credit Card; or

• NAB Velocity Rewards Premium Credit Card; or

• NAB Qantas Rewards Premium Credit Card; or

• NAB Rewards Platinum Credit Card; or

• NAB flybuys Rewards Credit Card; or

• NAB Low Rate Platinum Credit Card; or

• NAB Qantas Plus Credit Card; or

• NAB Platinum Visa Debit Card.

Level 3 Card means the following cards issued by

the Bank:

• NAB Visa Debit; or

• NAB Low Fee; or

• NAB Qantas Rewards; or

• NAB Rewards Classic; or

• NAB Velocity Rewards; or

• NAB Visa Mini.

manufacturer’s warranty means the manufacturer’s

written warranty, properly registered with the

manufacturer, that is applicable and able to be fulfilled

within Australia.

medical adviser means a doctor, a clinical psychologist

or a dentist, who is not you, your travel companion or a

relative or an employee of you, your travel companion

or a relative, holding the necessary certification for

the country in which they are currently practicing and

qualified to give the diagnosis being provided.

medical expenses means reasonable expenses

incurred for:

• medical, paramedical or surgical treatment and other

treatment given or prescribed by a medical adviser; or

• ambulance or hospital charges; or

• dental treatment arising as a result of an injury.

mental illness means any illness, condition or disorder

listed in the current edition of the Diagnostic and

Statistical Manual of Mental Disorders (used by clinicians

and psychiatrists to diagnose psychiatric illnesses.

Consult your medical advisor for more information).

motorcycle means any two-wheeled or three-wheeled

motor vehicle.

NAB means National Australia Bank Limited ABN 12 004

044 937, AFSL and Australian Credit Licence 230686 of

Level 28, 395 Bourke Street, Melbourne, VIC, 3000.

natural disaster means any event or force of nature that

has catastrophic consequences, such as avalanche,

earthquake, flood, bush fire, hurricane, tornado, cyclone,

tsunami and volcanic eruption, but not epidemics or

pandemics.

overseas means outside of Australia and its territories

and includes when you are aboard a foreign registered

cruise vessel in Australian territorial waters.

pandemic means an epidemic that spreads to multiple

countries, continents, or worldwide, that is recognised

or referred to as a pandemic by the World Health

Organisation (WHO) or an official government authority.

permanent disability means permanent loss of all the

sight in one or both eyes, or the use of a hand at or above

the wrist or a foot at or above the ankle.

pre-existing medical condition means a condition of

which a reasonable person in the circumstances, should

have been aware at the time eligibility for the cover

available was met, including:

• any dental condition; or

• any physical condition; or

• pregnancy; or

• any lifelong illness; or

• any chronic illness; or

• any mental illness; or

• any current or previously treated cancer, or

any condition which, in the last two years:

• was treated by surgery (including day surgery); or

• required regular medication; or

• required on-going treatment; or

• was referred to a specialist medical adviser; or

• had regular reviews or check-ups; or

• caused admission to hospital; or

• was treated at a hospital emergency department or

out-patient clinic.

pregnancy related means arising from or directly

connected with the process and changes in a mother

resulting from a developing fetus. It covers the mother

and fetus, as per the limits and conditions of cover

set out in this policy, when either requires emergency

medical care.

proof of your ownership and value means receipts,

invoices, valuations, and other documents directly

showing ownership and value. Where direct proof of

ownership or valuation is not reasonably available to

the insured and depending upon the value and nature

of the claim, it can include statutory declarations or

other information which show the insured is most likely

the owner.

quad bike means a motorised vehicle designed to travel

on four or more wheels, having a seat straddled by the

operator and handlebars for steering control.

reasonable means:

• for covered medical, hospital or dental expenses –

at the standard level of care given in the country you

are in but not exceeding that provided through the

public hospital system in Australia;

• for covered booking and travel-related expenses –

a level comparable to those you have booked for

the rest of your journey. If no similar booked travel

arrangements or for covered expenses of relatives,

a level that is appropriate and moderate in the

circumstances, not extravagant;

• for covered funeral expenses – a level that in the

circumstances is moderate, not premium;

• for situations where we ask you to do something such

as to assist us, or to provide documents or

information, or to take reasonable care or to make

reasonable eorts – to the extent that is practically

achievable by you and within your control or ability

using ordinary eorts;

• for reasonable medical advice – advice provided by

a doctor or other medically qualified practitioner

experienced in the medical issue in question and

engaged either on your behalf or on our behalf to

provide medical advice;

• for legal costs or expenses – the usual or normal legal

costs and expenses incurred in defending or settling

a claim, including engaging a mid-tier firm of lawyers,

their reasonable disbursements etc, not extravagant;

• for conduct, acts or knowledge of ‘a reasonable

person’ – what would be expected of an average

person in the circumstances having regard to common

community standards and fairness, and achievable by

the insured through normal endeavours;

• for any other circumstances – what is reasonable in

the circumstances, having regard to common

community standards, and fairness.

Reciprocal Health Care Agreement means an

agreement between the Government of Australia and

the government of another country where Australian

residents are provided with subsidised essential medical

treatment. (Please visit www.dfat.gov.au for details of

Reciprocal Health Care Agreements with Australia).

relative means:

• spouse, fiance, fiancee;

• parent, parent-in-law; step-parent, guardian;

• grandparent;

• child, grandchild, step-child, foster child, ward;

• brother, half brother, step brother, brother-in-law,

sister, half sister, step sister, sister-in-law;

• daughter-in-law, son-in-law; or

• uncle, aunt, niece, nephew.

Relative does not include any other person.

rental vehicle means a campervan/motorhome that

does not exceed 4.5 tonnes, a sedan, coupe, hatchback,

station-wagon, SUV, four-wheel drive or minibus/people

mover rented from a licensed motor vehicle rental

company or agency. Rental vehicle does not include any

other vehicle regardless of type or weight.

return domestic flight ticket means a flight ticket to and

from a destination in Australia and its territories on a

scheduled commercial passenger airline.

return overseas travel ticket means an air or cruise ticket

departing from and returning to Australia.

sick or sickness means a medical condition (including

a mental illness), not being an injury, the signs or

symptoms of which first occur or manifest during the

period of cover available.

special event means a wedding, funeral, conference,

or 50

wedding anniversary, pre-paid sporting

event, pre-paid concert, pre-paid cruise or pre-paid

tour which before you left Australia you had planned to

attend. Special event does not include any other event.

sporting equipment means equipment needed and used

to participate in a particular sport and which can be

carried about with you.

spouse means the partner of the cardholder who is in a

permanent relationship with the cardholder at the time

the journey starts.

transaction card means a debit card, credit card or travel

money card.

travel companion means a person with whom you made

arrangements before the journey began, to travel with

you for at least 50% of the period of cover available for

your journey. Travel companion does not include any

other person.

unlimited means that there is no capped dollar sum

insured. Terms, conditions, exclusions, limits and

applicable sub-limits apply – refer to Part D – Excesses

and General Exclusions and Part E – The Cover Available

in this Policy Information Booklet.

valuables means jewellery, watches, precious metals

or semi-precious stones/precious stones and items

made of or containing precious metals or semi-precious

stones/ precious stones, furs, binoculars, telescopes,

computer games, any kind of photographic, audio,

video, computer, television, fax and phone equipment

(including mobile phones), tablets, MP3/4 players

and PDAs.

we, our, us means Allianz Australia Insurance Limited,

ABN 15 000 122 850, AFSL 234708 and its agent AWP

Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631

trading as Allianz Global Assistance.

you, your and yourself means accountholder, cardholder,

spouse or dependants if they are eligible for the cover

available.

Summary of Cover by Card Level

Please refer to the table below to determine the

complimentary insurance benefits that may be available

to you depending on your Card Level. Each Part of this

insurance will also identify the complimentary insurance

benefits available to you depending on your Card Level.

Level 1

Cards

Level 2

Cards

Level 3

Cards

International Travel

Insurance (for persons

aged under 81 years)

ü ü

Domestic Travel

Insurance

ü ü

Rental Vehicle Excess

Insurance in Australia

ü ü

Purchase Protection

Insurance

ü ü ü

Extended Warranty

Insurance

ü ü

International Travel Insurance

(For persons aged under 81 Years)

Not all insurance covers are available for all cards and

different conditions may also apply depending on your

Card Level, so please refer to each Part of this Policy

Information Booklet to determine the complimentary

insurance benefits that may be available to you.

Eligibility for the cover available depends upon the type

of card you have.

Part A – Eligibility for Cover

Who is eligible?

As a Level 1 Card or Level 2 Card cardholder you

are eligible for cover under this International Travel

Insurance when you meet all of the following criteria:

1. you reside in Australia (including holders of a visa

issued under the Migration Act 1958 (Cth) which

entitles the holder of the visa to residency);

2. before leaving Australia you spend at least $500 on

your prepaid travel costs (i.e. your travel costs that

you pay for before leaving Australia) and you charge

these costs (e.g. cost of your return overseas travel

ticket; and/or airport/departure taxes; and/or your

prepaid overseas accommodation/ travel; and/or

your other prepaid overseas itinerary items) to the

accountholder’s card account;

3. you have a return overseas travel ticket before

leaving Australia; and

4. you are aged under 81 years at the time you become

eligible for the cover available by meeting conditions

1 to 3 listed above.

Who else is eligible?

If the cardholder becomes eligible for the cover available,

a spouse and/or dependant(s) also become eligible,

when each of them individually meets all of the following

eligibility criteria:

1. the spouse and/or dependants reside in Australia or

are the holder of a visa issued under the Migration

Act 1958 (Cth) which entitles them to residency;

2. each spouse and/or dependant is travelling with the

cardholder for at least 50% of the period of cover

available to the cardholder for the cardholder’s

overseas journey;

3. each spouse and/or dependant has a return overseas

travel ticket before leaving Australia; and

4. each spouse and/or dependant is aged under 81

years at the time they each become eligible for the

cover available by meeting conditions 1 to 3

listed above.

When a cardholder, spouse and dependant are travelling

together only one eligible person can claim the benefits

payable to a cardholder. The other eligible persons may

only claim as a spouse or dependant. For example, when

a spouse is also a cardholder, if they do not meet the

eligibility requirements as a cardholder they can only

claim as a spouse, not a cardholder.

Dependants under the age of two years at the date the

journey commences

If a cardholder satisfies the eligibility criteria set out

above, their dependant(s) under the age of two years

as at the date the journey commences is eligible for

the cover provided the dependant is travelling with

the cardholder for at least 50% of the period of cover

available to the cardholder for the cardholder’s overseas

journey.

No cover is available for dependants born on the journey.

Refer to the Pregnancy section in Part E – The Cover

Available.

Part B – Period of Cover

If you have met all the criteria listed under Part A –

Eligibility for Cover before leaving Australia, the following

maximum period of cover is available for your journey.

Card Period of cover

Level 1 Cards Up to six (6) consecutive months for

cardholders, their spouses and/or

dependants.

Level 2 Cards Up to three (3) consecutive months

for cardholders, their spouses and/or

dependants.

The maximum period of cover available for your journey

cannot be extended by you.

The period of cover available under Section 2.1

Cancellation begins on the date you become eligible by

meeting the criteria set out in Part A – Eligibility for Cover.

Provided you meet the eligibility criteria set out in Part A

– Eligibility for Cover, the period of cover available for all

other insured events commences when you leave your

home to start your journey or on the departure date

shown on your return overseas travel ticket, whichever

occurs later.

Cover under all sections ends when the first of the

following occurs:

• when you return to your home; or

• when you arrive at a hospital or nursing home in

Australia (if you are evacuated or repatriated); or

• at midnight on the date when you are due to return

to your home as shown on your return overseas travel

ticket; or

• six (6) consecutive months for Level 1 Card

cardholders, spouses and/or dependants or three (3)

consecutive months for Level 2 Card cardholders,

spouses and/or dependants aer the date of

departure shown on your overseas travel ticket; or

• when you cancel your return overseas travel ticket.

If you have a return overseas travel ticket and during

your period of cover your return to Australia is delayed

due to an event that is covered under this policy, or

because your scheduled means of transport is delayed

for reasons beyond your control:

• the period of cover available will automatically be

extended by us for up to four (4) consecutive weeks; or

• if you are under the care of a medical adviser overseas,

who certifies in writing that you are incapable of travel

at the end of the additional four (4) consecutive weeks,

cover will continue for expenses and evacuation for up

to twelve (12) consecutive months from the date of

your departure from Australia; or

• until you are medically fit to return to Australia. The

cover will end on the date that AGA would have been

able to reasonably facilitate your return to Australia,

provided this falls within 12 consecutive months from

the date of your departure from Australia.

Part C – Benefit Limits

The table below sets out the amounts and maximum

limits of what we will pay under each section of

International Travel Insurance. All limits and sub-limits

in the table are shown in Australian dollars.

The cover available is outlined in Part E – The Cover

Available and is subject to the applicable terms,

conditions, limits, sub-limits and exclusions. The cover

described in the table below is a summary only.

~Where used, the term ‘Unlimited’ means that there

is no capped dollar sum insured. Terms, conditions,

exclusions, limits and applicable sub-limits apply – refer

to Part D – Excesses and General Exclusions and Part E –

The Cover Available in this Policy Information Booklet.

All costs and expenses claimed must be necessary and

reasonable.

Section Limit

1.1 Overseas Emergency

Assistance (including

Medical Evacuation

and Repatriation)

Unlimited~

1.2 Overseas Emergency

Medical

Unlimited~

1.3 Overseas Emergency

Dental (Spontaneous

Toothache)

Up to a maximum total limit of $2,000

per person for emergency dental

treatment for sudden and acute pain

(toothache) to natural teeth.

1.4 Hospital Cash

Allowance

$100 per person per day to a

maximum total limit of $15,000 per

cardholder or spouse. Dependants

are included in the limit available to

the cardholder or spouse.

1.5 Accidental Death $50,000 per cardholder

$50,000 for a spouse

$25,000 per dependant

Up to a maximum total limit of

$150,000.

1.6 Funeral Expenses Up to a maximum total limit of

$60,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

Section Limit

1.7 Loss of Income Your verified income per week, up

to a maximum total limit of $13,000

each for a cardholder or spouse.

No cover is available for dependants.

1.8 Assault requiring

Hospital Admission

$500 per person.

1.9 Permanent Disability $50,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

2.1 Cancellation Up to a maximum total limit per

cardholder or spouse of $50,000

(dependants are included in the limit

available to the cardholder or spouse)

except:

2.1.1 b) Travel agents

cancellation fees

$2,000 or the level of commission or

service fee earned on the booking

by the travel agent, whichever is the

lesser.

2.1.1 d) Rescheduling your

journey

Up to $75 per person per day, up to

a maximum total limit of $500 per

person for reasonable additional

meal costs.

Up to a maximum total limit of $250

per person for reasonable internet

use and telephone expenses to

reschedule your journey.

2.2 Withdrawal of Services $50 per person per 24 consecutive

hours, up to a maximum total limit

of $500 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

3.1 Additional Expenses Unlimited~

3.2 Travel Delay Expenses Aer 6 consecutive hours delay, up

to $500 per person for meals and

accommodation expenses up to a

maximum total limit of $2,000 per

cardholder or spouse. Dependants

are included in the limit available to

the cardholder or spouse.

3.3 Alternative Transport

Expenses

Up to a maximum total limit of

$3,250 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

Section Limit

3.4 Return home and

Resumption of Journey

due to Relative’s Death

or Hospital Admission

Up to a maximum total limit of

$5,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

3.5 Domestic Pet

Accommodation

Up to a maximum total limit of

$500 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

3.6 Emergency

Accommodation due

to Terrorism

Up to $300 per person, per day, up to

a maximum total limit of $3,000 per

cardholder or spouse. Dependants

are included in the limit available to

the cardholder or spouse.

3.7 Hijack Up to a maximum total limit of

$10,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

4.1 Luggage Up to a maximum total limit of

$15,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse,

subject to the following sub-limits:

4.1.1 a) Stolen, accidentally

damaged or permanently

lost covered items

Up to $4,000 per item for computers,

cameras and video cameras.

Up to $1,000 per item for any other

covered item, including mobile

phones.

4.1.1 b) Covered items le

in a vehicle during daylight

hours

Up to a maximum total limit of $5,000

4.1.1 c) Valuables le in

a vehicle or checked-in

luggage

No cover available, except for the

items described in the circumstances

under 4.1.1 c) of Part E – The Cover

Available, which is limited to the

maximum item limits in 4.1.1 a).

4.2 Travel Documents, Transaction Cards & Travellers Cheques

4.2.1 a) Reissue or

replacement cost

Up to a maximum total limit of

$5,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

4.2.1 b) Fraudulent use Up to a maximum total limit of

$5,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

Section Limit

4.3 Luggage Delay Up to $500 aer a delay of 10

consecutive hours, and an additional

$1,000 aer a delay of 72 consecutive

hours, up to a maximum total limit

of $1,500 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

4.4 Replacement Sporting

Equipment

Up to a maximum total limit of

$200 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

5.1 Rental Vehicle Excess

5.1.1 a) Rental vehicle

damage or the

Level 1 Cards – Up to a maximum

total limit of $10,000 per cardholder

or spouse. Dependants are

included in the limit available to the

cardholder or spouse.

Level 2 Cards – Up to a maximum

total limit of $5,000 per cardholder or

spouse. Dependants are included in

the limit available to the cardholder

or spouse.

5.1.1 b) Return of rental

vehicle

Up to a maximum total limit of

$750 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

6.1 Personal Liability Level 1 Cards – Up to a maximum

total limit of $2,500,000 per event for

a cardholder or spouse. Dependants

are included in the limit available to

the cardholder or spouse.

Level 2 Cards – Up to a maximum

total limit of $1,000,000 per event for

a cardholder or spouse. Dependants

are included in the limit available to

the cardholder or spouse.

6.2 Legal Expenses Up to a maximum total limit of

$15,000 per cardholder or spouse.

Dependants are included in the limit

available to the cardholder or spouse.

Part D – Excesses & General Exclusions

Excesses – what you contribute to a claim

You must pay the following excess amounts for each

claim made under the following covers even if a

number of claims are submitted on the one claim form.

However, if you make more than one claim as the result

of a single event, the highest excess will apply but will

only apply once.

Section Cover type Excess

1.1 Overseas Emergency Assistance (including

Medical Evacuation and Repatriation)

Nil

1.2 Overseas Emergency Medical $400

1.3 Overseas Emergency Dental (Spontaneous

Toothache)

$400

1.4 Hospital Cash Allowance Nil

1.5 Accidental Death Nil

1.6 Funeral Expenses Nil

1.7 Loss of Income Nil

1.8 Assault requiring Hospital Admission Nil

1.9 Permanent Disability Nil

2.1 Cancellation $400

2.2 Permanent Disability Nil

3.1 Additional Expenses $400

3.2 Travel Delay Expenses Nil

3.3 Alternative Transport Expenses $400

3.4 Return Home and Resumption of Journey

due to a Relative’s Death or Hospital

Admission

Nil

3.5 Domestic Pet Accommodation Nil

3.6 Emergency Accommodation due to

Terrorism

Nil

3.7 Hijack Nil

4.1 Luggage $400

4.2 Travel Documents, Transaction Cards &

Travellers Cheques

Nil

4.3 Luggage Delay Nil

4.4 Replacement Sporting Equipment Nil

5.1 Rental Vehicle Excess $400

6.1 Personal Liability Nil

6.2 Legal Expenses Nil

General Exclusions

The general exclusions below set out what is not covered.

You should also read each section as they contain

specific exclusions that may also apply.

To the extent permitted by law we do not cover you for

any loss, damage or expense caused by or arising from:

1. your loss of enjoyment, loss of opportunity, loss of

revenue, loss of profits or loss of goodwill;

2. you booking or taking travel against medical advice,

travel for the purpose of getting medical treatment

or advice, or travel you take aer a medical adviser

informs you that you are terminally ill;

3. your intentional self harm or your suicide or your

attempted suicide;

4. a claim arising from, or caused, or contributed to, by

you being aected by any intoxicating liquor or drug

to the extent that your physical, or mental functions,

or your judgement are impaired, except a drug

prescribed to you by a medical adviser, and taken

in accordance with their instructions;

5. any expense arising from or in any way related to:

• regular or routine antenatal care;

• childbirth at any gestation (except when arising

from an injury or sickness);

• care of a newborn child;

• the period aer the end of the 26th week of your

pregnancy (the 26th week of your pregnancy is

calculated based on your estimated date of

delivery as confirmed in writing by your

obstetrician);

• pregnancy related sickness if you have had

complications in your pregnancy before you

became eligible for cover;

6. you not following an advice or warning that a

reasonable person would have been aware of:

• by the Australian government (when a ‘Reconsider

your need to travel’ or ‘Do not travel’ alert is in

place) which can be found on www.smartraveller.

gov.au; or

• which was published in a reliable mass media

source.

7. flying other than when you are travelling as a

passenger in:

• a fully licensed aircra operated by an airline or

charter company; or

• a regulated or licensed hot air balloon;

8. your participation in any dangerous activities or your

exposure of yourself to danger during your journey

unless in an attempt to preserve your life or the life

of another person, such as:

• scuba diving unless you hold an open water diving

certificate or are diving with a qualified and

registered diving instructor;

• mountaineering or rock climbing requiring the use

of ropes and/or climbing equipment, racing (other

than amateur racing on foot), white water raing,

white water boating, abseiling, parasailing,

skydiving, hang gliding, base jumping, bungy

jumping, pot holing, canyoning, caving, fire

walking, running with the bulls, rodeo riding, polo

playing, hunting, shooting, archery, tobogganing,

water skiing, jet skiing, o-piste skiing, o-piste

snowboarding or snowmobiling;

• quad bike or motorcycle riding during your

journey unless it involves you only driving a

motorcycle, with an engine capacity of 200cc or

less, for which you hold a valid motorcycle licence

in Australia or a licence valid for the country you

are travelling in if your Australian licence is not

recognised in that country;

• any other similar activity that a reasonable person

would consider dangerous;

9. any kind of training for, coaching or competing in any

sporting event where you are entitled to receive, or

are eligible to receive, an appearance fee, wage,

salary or prize money in excess of $1,000;

10. your claim arises from, or is caused, or is contributed

to by an illegal or criminal act by you, your spouse,

your dependants or any other person acting with

your consent or under your direction;

11. your participation as a crew member or pilot of any

transportation;

12. your or your travel companion’s failure to obtain a

visa, a passport or a passport with a required

minimum remaining validity;

13. the injury, illness or death of any person who is aged

81 years or over at the time you become eligible for

cover under International Travel Insurance;

14. any interference with your travel plans by any

government, government regulation or prohibition

or intervention or oicial authority;

15. changes in currency rates;

16. your failure to take reasonable care such as failure to

wear appropriate safety equipment;

17. any epidemic or pandemic, or in any way related to

any epidemic or pandemic, unless your claim relates

to you or your travel companion being positively

diagnosed as suering a sickness recognised as an

epidemic or pandemic and cover is expressly

included in the following sections:

1.1 Overseas Emergency Assistance

1.2 Overseas Emergency Medical

2.1 Cancellation

3.1 Additional Expenses;

18. any act of war, whether war is declared or not, or

from any rebellion, revolution, insurrection or taking

of power by the military;

19. a nuclear reaction or contamination from nuclear

weapons or radioactivity;

20. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for

the purpose of harming or to destroy human life and/

or create public fear;

21. providing cover or being liable to pay any claim or

provide any benefit (including a refund on premium)

under this policy to the extent that the provision of

such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of

Australia, New Zealand, the European Union, United

Kingdom or United States of America.

Part E – The Cover Available

In order to be sure that you are covered under this policy,

where reasonable, you should always call us for approval

before you incur certain expenses. If you do not, we will

pay for expenses incurred up to the amount we would

have authorised had you asked us first.

Epidemics and pandemics (such as COVID-19)

If, during the period of cover available, you (including

your spouse and/or dependants who are eligible for

cover) are positively diagnosed as suffering a sickness

recognised as an epidemic or pandemic, such as COVID-

19, cover is available to you under the following sections:

1.1

Overseas Emergency Assistance

1.2

Overseas Emergency Medical

2.1 Cancellation

3.1 Additional Expenses

If your travel companion is positively diagnosed as

suffering a sickness recognised as an epidemic or

pandemic, such as COVID-19, which impacts your

journey, cover is available to you under the following

sections:

2.1 Cancellation

3.1 Additional Expenses

Terms, conditions, exclusions, limits and applicable sub-

limits apply. Please refer to Part D – Excesses & General

Exclusions and the exclusions set out in each of the

above sections.

For example, you will not be covered if you are positively

diagnosed as suffering a sickness recognised as an

epidemic or pandemic while travelling against an advice

or warning issued by an Australian government and you

did not take reasonable care to avoid contracting the

sickness (for example by delaying travel to the country

or part of the country referred to in the warning),

refer to General Exclusions 6 and 16 in Part D for more

information. Please note, this also applies even if the

Australian government has given you permission to

travel or you fall under a specific exemption where there

is otherwise a travel ban in place that prohibits you

from travelling.

For all other sections and any other claim arising from,

or related to, epidemics or pandemics, there is no cover.

Pre-existing medical conditions

Please ensure that you read the definition of pre-existing

medical condition in the section headed Definitions.

The definition makes reference to ‘a condition of which

a reasonable person in the circumstances should have

been aware of’. Reference to a reasonable person is

a reference to what would be expected of an average

person in the circumstances.

No cover is available for any claims arising from, related

to or associated with any pre-existing medical condition

unless Allianz Global Assistance has confirmed in writing

to you that the pre-existing medical condition causing

your claim is covered by the Group Policy.

If you have a pre-existing medical condition that is not

covered, we will not pay any claims arising from, related

to or associated with that condition. This means that you

may have to pay for an overseas medical emergency and

any associated costs, which can be prohibitive in some

countries.

Before going overseas, you can apply for assessment of

whether your pre-existing medical condition is covered

by the Group Policy online or over the phone, by using

the contact details shown on the inside front cover of

this booklet.

During assessment you must answer all of our questions

honestly and truthfully. If you do not answer all of our

questions honestly and truthfully, your pre-existing

medical condition may not be covered by the Group

Policy and any confirmation of cover issued may be

invalid.

If after assessment, Allianz Global Assistance confirm

to you that your pre-existing medical condition is

covered by the Group Policy, you will need to pay an

administration fee of $75 for assessment by phone or

online. After payment of the administration fee, Allianz

Global Assistance will send you written confirmation (for

the period of cover available) if your pre-existing medical

condition is covered by the Group Policy.

This International Travel Insurance does not cover any

claim arising from the pre-existing medical conditions

of your relatives, travel companion or any other person.

Pregnancy

This International Travel Insurance may not be adequate

for your needs if you are planning to travel beyond the

26th week of your pregnancy.

No cover is available for a child born during the period of

cover available for your journey unless as a consequence

of an injury or sickness (occurring during the period of

cover available).

If you are pregnant when you become eligible for cover

available, your pregnancy will be defined as a pre-

existing medical condition however, any complications

of your pregnancy arising from injury or sickness

occurring after you became eligible will be covered by

the Group Policy issued to the Bank except if you have

had complications in your pregnancy before you became

eligible for the cover available.

If you fall pregnant after you become eligible, you

will be entitled to the cover available arising from any

complications of your pregnancy caused by injury or

sickness.

No cover is available for:

• antenatal care;

• childbirth at any gestation (except when arising from

an injury or sickness);

• care of a newborn child;

• any expenses related to your pregnancy arising aer

the end of the 26th week of your pregnancy (the 26th

week of your pregnancy is calculated based on your

estimated date of delivery as confirmed in writing by

your obstetrician);

• pregnancy related sickness if you have had

complications in your pregnancy before you became

eligible for cover.

These provisions apply whether you fall pregnant

naturally or as a result of medical assistance (such as,

through IVF treatment).

Any pregnancy related expenses incurred after the end

of your 26th week of your pregnancy will not be covered

by this insurance.

As a guide to the cover available for pregnancy under the

Group Policy issued to the Bank, including limitations

and restrictions, please read through the table below:

Your pregnancy Outcome

a) You are not yet pregnant

however, you are attempting

to become pregnant or are

undergoing fertility treatment.

If you become pregnant aer you

become eligible for cover, cover

is available for any complication

arising from an injury or sickness.

No cover is available for the

course of any treatment you

are undergoing at the time your

journey commences

b) You will require antenatal care

during the period of cover

available for your journey.

No cover is available for antenatal

care.

c) You are pregnant and are

undergoing a course of

treatment at the time your

journey begins.

No cover is available for the

course of treatment you are

undergoing at the time your

journey commences. Cover is

available for medical expenses

arising out of an injury. Cover

is available for complications

arising from sickness but not

if you have had complications

in your pregnancy before you

became eligible for the cover

available.

d) You are injured or become sick

during your journey and give

birth as a consequence.

Cover is available for medical

expenses incurred for the

treatment of your injury or

sickness and the childbirth

occurring as a consequence

of the injury or sickness.

However, no cover is available

for complications arising

from sickness if you have had

complications in your pregnancy

before you became eligible for

the cover available.

e) You give birth naturally during

the period of cover made

available for your journey.

No cover is available either for the

childbirth or care of the newborn

child.

f) You travel beyond 26 weeks

gestation and give birth while

you are still overseas.

No cover is available for the

childbirth, care of the newborn

child or any expenses related to

your pregnancy.

Emergency and medical services while overseas

Please call emergency services immediately if your

condition is life threatening.

In the event of an emergency overseas, simply call

Allianz Global Assistance in Australia at any time on

+61 7 3305 8800. Please note, additional charges may

apply for any calls made from mobiles, public telephones

or hotel rooms.

Allianz Global Assistance’s team of medical professionals

is available to you 24 hours a day, 7 days a week

for advice and assistance in the event of a medical

emergency and any associated problems which occur

outside Australia.

Allianz Global Assistance has access to a worldwide

team of skilled doctors and medical professionals and

provides the following services:

• Access to medical advisers for emergency assistance

and advice;

• Emergency transportation to the nearest suitable

hospital;

• Emergency evacuation, if necessary;

• If requested by you, your family in Australia will be

advised of your medical condition and be kept

informed of the situation;

• Payment guarantees to hospitals for reasonable

medical expenses and cover verification;

• Second opinions on medical matters;

• Urgent message service and emergency travel

planning.

Travelling overseas

You do not have to tell us or the Bank that you will be

travelling.

Provided you meet the eligibility criteria (see Part A

– Eligibility for Cover) and comply with the terms and

conditions of this insurance cover, you will be entitled

to the benefits of the cover available.

In the event of an emergency overseas, contact Allianz

Global Assistance using the contact details shown on

the inside front cover of this booklet. Allianz Global

Assistance are available 24 hours a day, 7 days a week.

You must take all reasonable precautions to safeguard

your belongings. For example, leaving your belongings

unsupervised, leaving them behind or walking away

from them in a place the public has access to encourages

theft and are not reasonable precautions.

You must take all reasonable steps to safeguard your

own safety and follow the advice and heed the warnings

of any government or government agency and any

official body and heed warnings broadcast in the

mass media.

Make sure you can access this booklet when travelling

overseas as it contains important phone numbers and

details of the cover available, together with copies of

your card account statement or transaction listing

to establish that you gained your eligibility for cover

in accordance with the criteria set out in the section

headed Part A – Eligibility for Cover.

In the event you wish to make a claim under this

cover (especially if claiming whilst overseas), it will be

necessary for you or your agents to provide information

to establish your eligibility as reasonably requested

by Allianz Global Assistance or its agents. Without this

information, a claim may be delayed and it may not be

possible for Allianz Global Assistance or its agents to give

approval for overseas medical attention or assistance.

Section 1.1 Overseas Emergency Assistance

(including Medical Evacuation and Repatriation)

Allianz Global Assistance will help you with any overseas

emergency (also see Emergency and medical services

while overseas above).

You may contact Allianz Global Assistance 24 hours a

day, 7 days a week.

1.1.1 What we cover

Allianz Global Assistance will arrange

If while overseas, during the period of cover available,

you injure yourself or become sick (including if you are

positively diagnosed as suffering a sickness recognised

as an epidemic or pandemic, such as COVID-19),

provided the relevant injury or sickness is covered by the

Group Policy, Allianz Global Assistance will arrange for

the following assistance services:

a) access to a medical adviser for emergency medical

treatment while overseas;

b) any messages which need to be passed on to your

family or employer in the case of an emergency;

c) provision of any written guarantees for payment

under Section 1.2 – Overseas Emergency Medical

of medical expenses incurred while overseas; and

d) advice and assistance with emergency travel

planning.

Medical Evacuation and Repatriation

If while overseas during the period of cover available

for your journey, you injure yourself or become sick

(including if you are positively diagnosed as suffering

a sickness recognised as an epidemic or pandemic,

such as COVID-19), or require treatment for a pre-existing

medical condition and the relevant injury or sickness or

pre-existing medical condition is covered by this Group

Policy, Allianz Global Assistance will:

e) pay the reasonable cost of your medical transfer or

evacuation if you must be transported to the nearest

hospital for emergency medical treatment overseas

or be brought back to your home on the reasonable

advice of a medical adviser; and

f) provide written guarantees for payment of

reasonable expenses for medical evacuation and

repatriation.

Personal Safety Evacuation

If, during the period of cover available for your journey,

after you have arrived in a country or region, it becomes

unsafe for you to remain in that country or region

because you are expelled or declared persona non

grata by local authorities or the Australian Government

Department of Foreign Affairs and Trade recommends

that certain categories of persons (which include you)

in that country or region should leave because of a:

• security threat including civil unrest or political

instability (but not any act of war, whether war is

declared or not, or from any rebellion, revolution,

insurrection or taking of power by the military); or

• natural disaster including but not limited to an

earthquake, cyclone, flooding or volcanic eruption,

then we will pay the cost of:

g) evacuating you to the nearest place of safety

(including the cost of accommodation) up to the

amount specified in Part C – Benefit Limits. Please

contact Allianz Global Assistance for approval of

these costs. Such approval will not be unreasonably

withheld or delayed; or

h) returning you to your home limited to the amount

specified in Part C – Benefit Limits. Please contact

Allianz Global Assistance for approval of these costs.

Such approval will not be unreasonably withheld or

delayed.

1.1.2 What we exclude

1. To the extent permitted by law, we will not be

responsible for costs and expenses that you would

not have incurred had you followed reasonable

medical advice. This includes any medical, hospital

or evacuation or repatriation expenses incurred

when you did not follow the reasonable medical

advice;

2. To the extent permitted by law, we will not pay for

any expenses for medical evacuation or repatriation

unless it has been first approved by Allianz Global

Assistance, for which approval will not be

unreasonably withheld or delayed. Please contact

Allianz Global Assistance to confirm approval for

these costs. Otherwise, we may reduce the amount

payable for your claim to the extent we are

prejudiced;

3. To the extent permitted by law we will not pay for

any amounts relating to your Personal Safety

Evacuation if:

a) your claim arises directly or indirectly from you

violating the laws or regulations of the country

you are in;

b) you failing to obtain, maintain or produce to the

authorities in the country you are in any

immigration permit, visa or similar authorisation;

c) your claim arises directly or indirectly from any

commercial or contractual dispute;

d) any of the events that caused your evacuation

were in existence or had occurred, or the

occurrence was reasonably foreseeable before

you entered the country or region from which

you were evacuated;

e) the events that caused your evacuation were due

to an act or threat of terrorism.

Section 1.2 Overseas Emergency Medical

1.2.1 What we cover

Overseas medical expenses due to covered injury

or sickness

a) If you injure yourself overseas or become sick

(including if you are positively diagnosed as suering

a sickness recognised as an epidemic or pandemic,

such as COVID-19) while overseas, during the period

of cover available for your journey, we will reimburse

the reasonable medical expenses you incur until you

get back to Australia, provided that the relevant

injury or sickness is covered by this insurance.

The medical expenses must have been for treatment

given or prescribed by a medical adviser.

Overseas medical expenses due to covered pre-

existing medical condition

b) If, while overseas during the period of cover available

for your journey, you require medical or hospital

treatment for a pre-existing medical condition that

Allianz Global Assistance has confirmed in writing is

covered by the Group Policy we will reimburse you

for the medical expenses for the treatment given or

prescribed by a medical adviser, except for the cost

of medication you were on or the cost of a course of

treatment you were receiving at the time your

journey began.

You must make every reasonable effort to keep your

medical expenses to a minimum.

If you are prevented from returning home because

of a sickness, injury or pre-existing medical

condition that is covered, we will only pay for

medical expenses incurred during the 12 consecutive

month period after the sickness was first diagnosed

or the injury happened or the pre-existing medical

condition we agreed to cover required treatment.

If, after assessment of your claim, the reasonable

medical advice is that you should return to Australia

for treatment and you do not agree to do so, we will

pay you a reasonable amount up to the limit shown

in Part C – Benefit Limits – 1.2 Overseas Emergency

Medical, which we consider to be equivalent to:

• your medical expenses incurred overseas to the

date that Allianz Global Assistance would have

been able to reasonably facilitate your return to

Australia; plus

• the reasonable amount it would cost to return you

to your home; plus

• the non-refundable portion of unused travel and

accommodation arrangements you would have

incurred had you followed the reasonable advice

of Allianz Global Assistance.

You will then be responsible for any ongoing or

additional costs relating to or arising out of the event

you have claimed for and your cover for any additional

events will end.

1.2.2 What we exclude

To the extent permitted by law, we will not pay for

medical expenses:

a) that you would not have incurred had you followed

the reasonable advice of Allianz Global Assistance;

b) if you have received care under a Reciprocal Health

Care Agreement;

c) relating to dental treatment involving the use of

precious metals or for cosmetic dentistry;

d) for dental treatment caused by or related to the

deterioration and/or decay of teeth;

e) for preventative dental treatment;

f) any payment which would result in us contravening

the Health Insurance Act 1973 (Cth), the Private

Health Insurance Act 2007 (Cth) or the National

Health Act 1953 (Cth) or any other applicable

legislation (whether in Australia or not);

g) Arising from a pre-existing medical condition of any

person including you, your travel companion or a

relative except as provided in your medical terms

letter for your pre-existing medical condition if

Allianz Global Assistance confirmed cover;

h) when you have not notified Allianz Global Assistance

as soon as reasonably practicable of your admittance

to hospital;

i) Incurred aer two consecutive weeks treatment by

a chiropractor, physiotherapist or dentist, unless

approved by Allianz Global Assistance.

Section 1.3 Overseas Emergency Dental (Spontaneous

Toothache)

1.3.1 What we cover

If during the period of cover available for your journey,

you suffer sudden and acute pain (spontaneous

toothache) to natural teeth that is not an injury or

sickness covered in Section 1.2 – Overseas Emergency

Medical, we will cover you for the cost of necessary

emergency dental treatment to treat the sudden and

acute pain, up to the limit specified in Part C – Benefit

Limits – 1.3 Overseas Emergency Dental (Spontaneous

Toothache)

1.3.2 What we exclude

To the extent permitted by law, we will not pay for

expenses:

a) if you have received medical care under a Reciprocal

Health Care Agreement;

b) relating to dental treatment involving the use of

precious metals or for cosmetic dentistry;

c) for dental treatment caused by or related to the

deterioration and/or decay of teeth;

d) for preventative dental treatment; or

e) arising from a pre-existing medical condition.

Section 1.4 Hospital Cash Allowance

1.4.1 What we cover

If during the period of cover available for your journey,

you are admitted to hospital overseas for a continuous

period of more than 48 consecutive hours as a result of

an injury or sickness, then we will pay you the benefit

specified in Part C – Benefit Limits – 1.4 Hospital Cash

Allowance for each day in excess of 48 consecutive hours

that you continue to be a hospital inpatient.

1.4.2 What we exclude

To the extent permitted by law, we will not pay if you

cannot claim for medical expenses connected with

the hospital admission under Section 1.2 Overseas

Emergency Medical.

Section 1.5 Accidental Death

1.5.1 What we cover

If, during the period of cover available for your journey;

a) you are injured and you die because of that injury

within 12 consecutive months of the injury; or

b) something you are travelling on or in disappears,

sinks, or crashes and your body is not found within

12 consecutive months and you are presumed dead,

we will pay the benefit specified in Part C – Benefit

Limits – 1.5 Accidental Death, to your estate.

Section 1.6 Funeral Expenses

1.6.1 What we cover

If during the period of cover available for your journey

you die from a cause that is not excluded, we will pay

for your reasonable funeral expenses incurred overseas

or the reasonable cost of bringing your remains back to

your home.

The maximum amount we will pay is specified in Part C –

Benefit Limits – 1.6 Funeral Expenses.

1.6.2 What we exclude

To the extent permitted by law, we will not pay for any

expenses, or any costs incurred in Australia except the

reasonable cost of transporting your remains from the

inbound port or airport to your home or nominated

funeral home.

Section 1.7 Loss of Income

1.7.1 What we cover

If you are a cardholder or spouse and during the period

of cover available for your journey, you suffer an injury

requiring medical treatment overseas, and:

a) because of the injury you become disabled; and

b) the disablement continues for more than 30

consecutive days from the date of your return to your

home; and

c) you are under the regular care of and acting in

accordance with the instructions or advice of a

medical adviser who certifies in writing that the

disablement prevents you from gainful employment;

and

d) as a result you lose all your income, then we will pay

your verified income up to the maximum total limit

shown in Part C – Benefit Limits – 1.7 Loss of Income,

starting from the 31

consecutive day aer your

return to your home.

1.7.2 What we exclude

No cover is available for loss of income if you are a

dependant.

Section 1.8 Assault requiring Hospital Admission

1.8.1 What we cover

If during the period of cover available for your journey,

you suffer an injury resulting from you being assaulted

which requires your hospital admission as an inpatient

for treatment we will pay you the benefit specified in

Part C – Benefit Limits – 1.8 Assault requiring hospital

admission.

Conditions

If you want to claim under the cover available, you

should to the extent reasonably practicable provide us

with written advice from your treating medical adviser

specifying the nature of your injury; and a police report

detailing the circumstances of the assault as this may be

the easiest way to provide proof of your claim.

1.9 Permanent Disability

1.9.1 What we cover

If, during the period of cover available, you suffer a

permanent disability being the permanent loss of all the

sight in one or both eyes, or the use of a hand at or above

the wrist or a foot at or above the ankle:

• that causes you permanent disability within 12

consecutive months of the occurrence of the injury;

and

• that continues for at least 12 consecutive months; and

• that at the expiry of 12 consecutive months is, in the

opinion of an appropriate medical adviser, beyond

hope of improvement;

we will pay you the benefit amount specified in Part C –

Benefit Limits – 1.9 Permanent Disability.

Section 2.1 Cancellation

2.1.1 What we cover

If, during the period of cover available, your journey

is cancelled, disrupted or rescheduled because of

circumstances that were not expected or intended by

you and are outside of your control (including if you

or your travel companion are positively diagnosed

as suffering a sickness recognised as an epidemic or

pandemic, such as COVID-19, which reasonably prevents

you from travelling), we will reimburse you:

Unused travel and accommodation arrangements

a) the non-refundable portion of unused travel and

accommodation arrangements scheduled to be used

during the period of cover available for your journey,

that you have paid in advance of cancellation or

disruption and cannot recover in any other way,

limited to the maximum total limit specified in Part C

– Benefit Limits – 2.1 Cancellation.

Travel agent’s fees

b) your travel agent’s cancellation fees and any

commission or service fees retained by your travel

agent, limited to the amount of commission or

service fees that your travel agent would have earned

had your journey not been cancelled or the amount

specified in Part C – Benefit Limits – 2.1.1 b) Travel

agent’s fees, whichever is the lesser.

Frequent flyer, air miles, loyalty card points &

redeemable vouchers

c) For the value of frequent flyer points, air miles,

loyalty card points, redeemable vouchers or other

similar schemes lost by you as a result of cancelling

the services paid for or obtained with those points,

air miles, vouchers or schemes, but only if you

cannot recover your loss in any other way.

We calculate the amount we pay you, which is

limited to the maximum total limit specified in Part C

– Benefit Limits – 2.1 Cancellation, as follows:

• for frequent flyer points, air miles or loyalty card

points:

– the cost of an equivalent booking based on the

same advance booking period as your original

booking less any payment you made toward

the booking,

– multiplied by the total number of points or air

miles lost,

– divided by the total number of points or air

miles used to make the booking.

• for vouchers, the face value of the voucher. If there

is no face value on the voucher we will pay the

market value.

Rescheduling your journey

d) your reasonable costs of rescheduling your journey.

The most we will pay for rescheduling your journey is

the unrecoverable amount that would have been

payable under sub-sections 2.1.1 a),2.1.1 b) and 2.1.1

c) had your journey been cancelled. We will not pay a

claim under sub-section 2.1.1 d) in addition to a

claim under sub-sections 2.1.1 a), 2.1.1 b) and 2.1.1 c)

for the same services/facilities.

If you have a claim under sub-sections 2.1.1 a), 2.1.1 b),

2.1.1 c) or 2.1.1 d) and, while on your journey, you have

to reschedule your journey, we will also pay you up to

the maximum total limit specified in Part C – Benefit

Limits – 2.1.1 d) Rescheduling your journey for your

reasonable additional meal, internet and telephone

costs to rearrange your journey.

Conditions

If you want to claim under the cover available, you should

do the following as soon as reasonably possible after the

happening of the unexpected event causing your claim:

• cancel any pre-arranged travel and accommodation

scheduled to be used during the period of cover

available for your journey that you are now unable to

use; and

• recover any refund that you are entitled to.

If you think that you may have to cancel your journey

or shorten your journey you should tell us as soon as

reasonably possible. For more information, see under

the heading Claims or call the contact number shown on

the inside front cover of this booklet.

If you unreasonably delay or fail to cancel your pre-

arranged travel and accommodation arrangements and

we are prejudiced by your delay or failure, we may reduce

the amount payable for your claim to the extent we are

prejudiced.

If your claim is related to your fitness to travel, you should

provide us with written confirmation from a medical

adviser.

2.1.2 What we exclude

To the extent permitted by law we will not pay your

claim if:

a) you were aware, or a reasonable person in your

circumstances would have been aware before you

became eligible for the cover available, of any reason

that may cause your journey to be cancelled,

rescheduled or shortened;

b) caused by you or your travel companion changing

plans;

c) arising from a pre-existing medical condition of any

person including you, your travel companion or a

relative except as provided in your medical terms

letter for your pre-existing medical condition if

Allianz Global Assistance confirmed cover.

d) caused by financial default or financial collapse of

a services provider with whom you make a booking

or the financial default or financial collapse of any

company, organisation or person with whom

they deal;

e) caused by an act of terrorism.

Section 2.2 Withdrawal of Services

2.2.1 What we cover

If during the period of cover available for your journey:

• all electrical and water facilities in your room; or

• waiter service at meals; or

• kitchen services where no food is served; or

• all housekeeping services

are withdrawn for 48 consecutive hours or more

due to unforeseeable circumstances at the pre-paid

accommodation that you are staying at during your

journey, we will pay you the benefit amount specified in

Part C – Benefit Limits – 2.2 Withdrawal of Services for

each 24 consecutive hour period in excess of the initial

48 consecutive hour period that the facilities or services

are withdrawn, up to the maximum total limit specified

in Part C – Benefit Limits – 2.2 Withdrawal of Services.

Conditions

If you want to claim under the cover available, you

should provide us with written confirmation from your

pre-paid accommodation provider of the length of time

the facilities and/or services were withdrawn.

Section 3.1 Additional Expenses

3.1.1 What we cover

Additional travel & accommodation expenses due to

your incapacity

a) If you cannot continue your journey because of an

injury or sickness (including if you are positively

diagnosed as suering a sickness recognised as an

epidemic or pandemic, such as COVID-19) that is

covered by this insurance, which occurs during the

period of cover available for your journey and needs

immediate treatment from a medical adviser, we will

reimburse your reasonable additional

accommodation and travel expenses.

Emergency travel & accommodation expenses for a

necessary companion

b) If during the period of cover available for your

journey, you are admitted to hospital suering from a

life threatening or other serious condition covered by

this insurance we will reimburse the reasonable travel

and accommodation expenses for a relative or friend

to travel to you, stay near you or escort you. The

relative or friend must travel to you, stay near you or

escort you on the written advice of your treating

medical adviser and with the prior written approval of

Allianz Global Assistance for which approval will not

be unreasonably withheld or delayed. Please contact

Allianz Global Assistance for approval of these costs.

Otherwise, we may reduce the amount payable for

your claim to the extent we are prejudiced.

Additional travel & accommodation expenses due to

your travel companion’s incapacity

c) If your travel companion cannot continue their

journey because of an injury or sickness (including if

your travel companion is positively diagnosed as

suering a sickness recognised as an epidemic or

pandemic, such as COVID-19) which occurs during

the period of cover available for your journey and

which needs immediate treatment from a medical

adviser, we will reimburse your reasonable additional

accommodation and travel expenses for you to

remain with your travel companion. Please contact

Allianz Global Assistance for approval of these costs.

No cover is available for a claim arising from any

pre-existing medical condition of your travel

companion.

Expenses due to your repatriation or evacuation home

d) If during the period of cover available, you shorten

your journey and return to your home due to a

covered event on the advice of your treating medical

adviser and with the approval of Allianz Global

Assistance, we will reimburse the reasonable

additional cost of your return to your home. You

must make use of any pre-arranged return travel to

your home. Where reasonably practicable, please

contact Allianz Global Assistance for approval before

incurring these costs. Otherwise, we may reduce the

amount payable for your claim to the extent we are

prejudiced. Such approval will not be unreasonably

withheld or delayed.

Repatriation of dependants le without supervision

e) If your dependants are le without supervision

following your hospital admission or evacuation

during the period of cover available for your journey,

we will pay the reasonable additional travel and

accommodation expenses incurred to return them to

Australia, including the travel and accommodation

expenses of an escort if agreed to by Allianz Global

Assistance. Please contact Allianz Global Assistance

for approval of these costs. Such approval will not be

unreasonably withheld or delayed.

Additional travel & accommodation expenses due to

specified events

f) In addition, if during the period of cover available a

disruption to your journey arises from:

• your scheduled or connecting transport being

cancelled, delayed, rescheduled or diverted

because of a strike, riot, hijack, civil protest,

weather, natural disaster or accident aecting

your mode of transport;

• you unknowingly break any quarantine rule (but

not a quarantine rule applying to an epidemic or

pandemic);

• you lose your passport, travel documents or

• transaction cards or they are stolen; or

• your home being rendered uninhabitable by fire,

explosion, earthquake or flood,

we will reimburse your reasonable additional travel

and accommodation expenses. Please contact

Allianz Global Assistance for approval of these costs.

Such approval will not be unreasonably withheld or

delayed.

Whenever claims are made by you under this section and

Section 2.1 Cancellation for cancelled services/facilities

or alternative arrangements for the same or similar

services/facilities, we will pay for the higher of the two

amounts, not both.

3.1.2 What we exclude

To the extent permitted by law, we will not pay your

claim:

a) if you were aware, or a reasonable person in your

circumstances would have been aware, of any

reason, before you became eligible for the period of

cover available, that may cause your journey to be

cancelled, disrupted or delayed;

b) arising from a pre-existing medical condition of any

person including you, your travel companion or a

relative except as provided in your medical terms

letter for your pre-existing medical condition if

Allianz Global Assistance confirmed cover.

c) if you can recover your additional travel and

accommodation expenses from someone else, for

example, an airline or tour provider;

d) if caused by any service provider misappropriating

your funds or failing to arrange or provide services

for which you have paid;

e) for cancellations, delays, rescheduling or diversions

to your scheduled or connecting transport unless it

is due to a strike, riot, hijack, civil protest, weather,

natural disaster or accident aecting your mode of

transport;

f) if your claim arises directly or indirectly out of you

operating a rental vehicle in violation of the rental

agreement.

Section 3.2 Travel Delay Expenses

3.2.1 What we cover

If a delay to your journey, for at least 6 consecutive

hours, arises from circumstances outside your control

during the period of cover available, we will reimburse

the cost of your reasonable additional meals and

accommodation expenses.

We will pay up to the amount specified in Part C – Benefit

Limits – 3.2 Travel Delay Expenses at the end of the initial

6 consecutive hour period.

3.2.2 What we exclude

We will not pay if a delay to your journey arises:

a) from an act of terrorism; or

b) due to the financial default or financial collapse of

a services provider with whom you make a booking

or the financial default or financial collapse of any

company, organisation or person with whom

they deal.

Section 3.3 Alternative Transport Expenses

3.3.1 What we cover

If during the period of cover available for your journey,

your journey is interrupted by any unforeseen or

unexpected cause outside of your control and that

means you would not arrive at a special event on time,

we will pay your reasonable additional travel expenses

up to the amount specified in Part C – Benefit Limits

– 3.3 Alternative Transport Expenses to enable you to

arrive on time.

3.3.2 What we exclude

To the extent permitted by law, we will not pay if your

scheduled transport is cancelled, delayed, shortened

or diverted:

a) due to an act of terrorism; or

b) because of the financial default or financial collapse

of a service provider with whom you make a booking

or the financial default or financial collapse of any

company, organisation or person with whom they

deal.

Section 3.4 Return Home and Resumption of Journey

due to a Relative’s Death or Hospital Admission

3.4.1 What we cover

a) If, during the period of cover available for your

journey, your relative who is resident in Australia and

who is aged under 80 years at the time you become

eligible for cover, dies unexpectedly or is hospitalised

due to a serious illness, injury or sickness diagnosed

while you are on your journey, we will reimburse the

reasonable additional cost of your early return to

your home.

Where reasonably practicable, please contact Allianz

Global Assistance for approval before incurring these

costs. Otherwise, we may reduce the amount payable

for your claim to the extent we are prejudiced.

Such approval will not be unreasonably withheld

or delayed.

b) If during the period of cover available for your

journey, you return home because:

• a relative of yours who is a resident in Australia

and who is aged under 80 years at the time you

become eligible for cover dies unexpectedly or is

hospitalised due to a serious illness, injury or

sickness diagnosed while you are on your journey;

and

• it is possible for your journey to be resumed; and

• there is more than 14 consecutive days or 25%,

whichever is the greater, remaining of the period

of cover available for your journey, as noted on

your overseas travel ticket; and

• you resume your journey within 30 consecutive

days of your return to your home,

we will reimburse you for airfares for you to return

to the place you were when your journey was

interrupted.

The most we will pay under this sub-section is up to the

limit shown in Part C – Benefit Limits – 3.4 Return Home

and Resumption of Journey due to a Relative’s Death or

Hospital Admission.

3.4.2 What we exclude

We will not pay a claim under this section in addition to

a claim under Section 2.1 Cancellation for the same or

similar services. We will only pay the highest amount

incurred by you, not both amounts.

Section 3.5 Domestic Pet Accommodation

3.5.1 What we cover

If your return home is delayed beyond the end date of

the period of cover available for your journey due to a

covered event that is not expected or intended by you

and is outside of your control, and you incur additional

boarding kennel or boarding cattery fees for domestic

dogs or cats owned by you, we will reimburse you for

the additional fees you incur up to the limit per day

specified in Part C – Benefit Limits – 3.5 Domestic

Pet Accommodation up to the maximum total limit

specified in Part C – Benefit Limits – 3.5 Domestic Pet

Accommodation.

3.5.2 What we exclude

To the extent permitted by law we will not pay if your

delay is due to an act of terrorism.

Section 3.6 Emergency Accommodation due to

Terrorism

3.6.1 What we cover

If during the period of cover available for your journey,

your journey is delayed due to an act of terrorism we

will reimburse you for the reasonable additional cost

of accommodation you incur during the period of delay

up to the amount per day specified in Part C – Benefit

Limits.

Section 3.7 Hijack

3.7.1 What we cover

If, during the period of cover available for your journey,

your scheduled public transport that you are travelling

on is hijacked and you subsequently want to cancel your

journey and return home we will reimburse you for the

reasonable additional travel expenses you incur and

the unrecoverable cost of prepaid travel arrangements

that you do not use limited to the maximum total limit

specified in Part C – Benefit Limits.

Section 4.1 Luggage

You must take all reasonable precautions to safeguard

your covered items and your valuables. If you do not,

we will not pay your claim. For example, you will not

be taking reasonable precautions if you leave your

belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or if these persons fail to safeguard your

covered items or valuables).

4.1.1 What we cover

a) If, during the period of cover available for your

journey, the following covered items or valuables:

• baggage, clothing or personal valuables;

• portable electrical equipment, laptop computers

and associated equipment/accessories,

binoculars, cameras and associated equipment/

accessories;

are stolen, accidentally damaged or are permanently

lost, except when:

• le in a vehicle (see sub-section 4.1.1 b) below); or

• are valuables le in a vehicle or checked in to be

transported in the cargo hold of any aircra, ship,

train, tram or bus (see sub-section 4.1.1 c) below.

The amount we will pay will be the lesser of:

• the depreciated value aer allowing for age, wear

and tear (see the Depreciation section for more

detail);

• the original purchase price;

• the replacement cost; or the repair cost.

We will not apply depreciation to any item we pay for

where less than 12 consecutive months have elapsed

since the item was purchased new.

The maximum amount we will pay for any item is:

• up to the item limit specified in Part C – Benefit

Limits 4.1 Luggage for personal computers, video

recorders or cameras; or

• up to the item limit specified in Part C – Benefit

Limits 4.1 Luggage for all other items.

A pair or related set of items, for example (but not

limited to):

• a camera, lenses (attached or not), tripod and

accessories;

• a matched or unmatched set of golf clubs, golf bag

and buggy; or

• a matching pair of earrings,

are considered as only one item for the purpose of

this cover, and the appropriate single item limit will

be applied.

For the avoidance of any doubt, cover is provided

for:

• the of, accidental damage to or permanent loss

of dentures or dental prostheses whilst you are

not wearing them;

• the of, accidental damage to, or permanent loss

of your covered items (except valuables) while

they are le in a locked storage facility and if there

is forced entry into the locked storage facility;

• the cost of medical consultation fees you incur

to replace prescription medication which is

accidentally lost, stolen or accidentally damaged,

together with the replacement cost of the

medication.

b) Covered items specified in 4.1.1 a) that are le in a

vehicle during the period of cover provided for your

journey are only covered during daylight hours and

must have been le in a concealed storage

compartment of a locked vehicle, and in the event of

the forced entry must have been made. The most

we will pay is up to the total amount specified in Part

C – Benefit Limits – 4.1.1 b) Covered items le in a

vehicle during daylight hours.

c) No cover is available for valuables le in a vehicle at

any time or valuables checked in to be transported in

the cargo hold of any aircra, ship, train, tram or bus

including any loss from the point of check in until

collection by you from the baggage carousel or

collection area at the end of your flight, voyage or

trip. However, cover will be available for loss, the or

accidental damage to laptops, tablets and mobile/

smartphones when (without prior notice) you are

directed by the airline with whom you have a flight

booking to place the laptop, tablet or mobile/

smartphone into your checked in baggage or

overhead cabin locker for the duration of your flight.

The most we will pay is up to the item limits specified

in Part C – Benefit Limits – 4.1.1 a).

Conditions

If you make a claim, you will need to provide proof of

ownership and the value of your belongings (e.g. receipt

or valuation for jewellery).

If you cannot prove the value of the items, the most we

will pay for each individual item is 10% of the limit shown

for that type of item in Part C – Benefit Limits – 4.1

Luggage.

Where reasonably practical, we expect you to report

any loss or theft to the police or an office of the bus line,

airline, shipping line or rail authority you were travelling

on when the loss or theft occurred.

You should make reasonable efforts to obtain

confirmation from whoever you made the report to as

this may be the easiest way to provide evidence of the

loss or theft. If you unreasonably delay or fail to make

a report and we are prejudiced by your delay or failure,

we may reduce the amount payable for your claim to the

extent we are prejudiced.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft, misplacement or damage

occurred we will deduct the amount you are entitled to

from any claim payable by us. However, if you are not

reimbursed the full amount of your loss, we will pay

the difference between the amount of your loss and

what you were reimbursed, up to the limit of the cover

available.

4.1.2 What we exclude

To the extent permitted by law, we will not pay a claim in

relation to your covered items and valuables if:

a) the loss, the or damage is to, or of, covered items or

valuables le behind in any hotel or motel room aer

you have checked out, or items le behind in any

aircra, ship, train, tram, taxi, ride share or bus;

b) the covered items or valuables were being sent

unaccompanied by you or under a freight contract;

c) the loss or damage arises from any process of

cleaning, repair or alteration;

d) the loss or damage arises from ordinary wear and

tear, deterioration, atmospheric or weather

conditions, insects, rodents or vermin;

e) the covered item or valuable disappears in

circumstances that cannot be reasonably explained;

f) your claim arises from a government authority

confiscating, detaining or destroying anything;

g) you do not take reasonable precautions to safeguard

your covered items or valuables. For example, you

will not be taking reasonable precautions if you leave

your belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or if those persons fail to take reasonable

precautions to safeguard your covered items or

valuables).

This includes forgetting or misplacing any items,

leaving them behind or walking away from them.

h) the covered item or valuable has an electrical or

mechanical breakdown or an inherent defect that is

known or could reasonably be known by you;

i) the covered item or valuable is fragile or brittle or is

an electrical component and is broken, unless the

breakage was caused by the, fire or an accident

involving a vehicle in which you were travelling;

j) the loss or damage arises from scratches occurring

to lenses or screens of covered items or valuables

however caused;

k) the covered items were sporting equipment that

were damaged during use.

Section 4.2 Travel Documents, Transaction Cards &

Travellers Cheques

4.2.1 What we cover

If during the period of cover available for your journey:

Re-issue or replacement cost

a) any essential travel documents (including passports),

transaction cards or travellers cheques are lost by

you, stolen from you or destroyed, then we will pay

the issuer’s fees or the replacement costs (including

communication costs) of the items lost, stolen or

destroyed.

Fraudulent use

b) your transaction cards or travellers cheques are lost

or stolen, then we will pay for any loss resulting from

the fraudulent use of the transaction cards or

travellers cheques.

The most we will pay is up to the limit specified in Part C

Benefit Limits – 4.2 Travel Documents, Transaction Cards

& Travellers Cheques.

Conditions

Where reasonably practicable, we expect you to

report any loss or theft to the police and, in the case of

transaction cards or travellers cheques, to the issuing

bank or company in accordance with the conditions

under which the transaction cards or travellers cheques

were issued.

You should make reasonable efforts to obtain

confirmation from whoever you made the report to as

this may be the easiest way to provide evidence of the

loss or theft. If you unreasonably delay or fail to make

a report and we are prejudiced by your delay or failure,

we may reduce the amount payable for your claim to the

extent we are prejudiced.

4.2.2 What we exclude

To the extent permitted by law, we will not pay:

a) if your loss arises from your failure to comply with the

recommended security guidelines for the use of

travellers cheques or transaction cards; or

b) for any amounts covered by any guarantee given by

the bank or issuing company to you as the holder of

the transaction cards or travellers cheques.

Section 4.3 Luggage Delay

4.3.1 What we cover

If during the period of cover available for your journey

any of your covered items are delayed, misdirected or

misplaced by the carrier for more than 10 consecutive

hours (except on the leg of your journey to your home),

we will reimburse you for the reasonable costs you incur

for you to purchase essential items of clothing or other

personal items, up to the amount specified in Part C –

Benefit Limits – 4.3 Luggage Delay.

Conditions

You should make reasonable efforts to obtain

confirmation from the carrier who was responsible for

your covered items confirming that your items were

delayed, misdirected or misplaced as this may be the

easiest way to provide evidence of the delay.

We will deduct any amount we pay you under this

section from any subsequent claim you make for lost

covered items payable under Section 4.1 Luggage.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft, misplacement or damage

occurred, we will deduct the amount you are entitled to

from any claim payable by us.

However, if you are not reimbursed the full amount of

your loss, we will pay the difference between the amount

of your loss and what you were reimbursed, up to the

limit of cover made available.

Section 4.4 Replacement Sporting Equipment

4.4.1 What we cover

If during the period of cover available for your journey

any of your sporting equipment is delayed, misdirected,

misplaced or accidentally damaged by the carrier

(except on the leg of your journey to your home) we

will reimburse you for the reasonable costs you incur

for you to hire replacement sporting equipment, up to

the amount specified in Part C – Benefit Limits – 4.4

Replacement Sporting Equipment.

Conditions

You should make reasonable efforts to obtain

confirmation from the carrier who was responsible

for your covered items confirming that your items

were delayed, misdirected, misplaced or accidentally

damaged as this may be the easiest way to provide

evidence of the delay. We will deduct any amount we pay

you under this section from any subsequent claim you

make for lost covered items payable under Section 4.1

Luggage.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft, misplacement or damage

occurred we will deduct the amount you are entitled to

from any claim payable by us.

However, if you are not reimbursed the full amount of

your loss, we will pay the difference between the amount

of your loss and what you were reimbursed, up to the

limit of cover available.

Section 5.1 Rental Vehicle Excess

Cover is only available under this section if your rental

vehicle agreement specifies an amount that is payable in

the event the rental vehicle is damaged or stolen while in

your custody.

This cover may not provide cover for items, such as but

not limited to, tyres, rims, windscreens, glass, roof and/

or underbody if damage to these items is in addition

to the specific amount shown in your rental vehicle

agreement that you are responsible to pay for damage

or theft.

5.1.1 What we cover

Rental vehicle damage or the

a) If, during the period of cover available, a rental

vehicle you have rented from a rental company or

agency is:

• involved in a motor vehicle accident while you are

driving it; or

• damaged or stolen while in your custody,

then we will pay you the lesser of:

• the cost of property damage for which you are

liable

• the amount specified that you must pay under

your rental vehicle agreement; or

• the limit shown in Part C – Benefit Limits – 5.1.1 a)

Rental vehicle damage or the.

Return of rental vehicle

b) If during the period of cover provided you are injured

or become sick and your treating medical adviser

certifies in writing that you are incapacitated and

unable to return your rental vehicle to the rental

company, we will pay you up to the amount specified

in Part C – Benefit Limits – 5.1.1 b) Return of rental

vehicle for the cost you incur to return your rental

vehicle to the nearest depot of the rental company.

Conditions

To support your claim, you will need to take reasonable

steps to provide:

• your rental vehicle agreement;

• the incident report that was completed; and

• written confirmation from the rental company or

agency of the amount for which you are liable.

You may also need to provide:

• the repair account and invoice from the motor vehicle

repairer (if available to you); and

• an itemised list of the value of the damage.

5.1.2 What we exclude

To the extent permitted by law, we will not pay if your

claim arises directly or indirectly from, or is in any way

connected with, or is for:

a) you using the rental vehicle in breach of the rental

agreement;

b) you using the rental vehicle without a licence for the

purpose that you were using it (such as but not

limited to the carrying of passengers or freight); or

c) administrative charges or fees of the rental company

that are not a component of the amount payable

specified in your rental vehicle agreement.

Section 6.1 Personal Liability

6.1.1 What we cover

If you become legally liable to pay compensation for

negligently causing:

• death or bodily injury; or

• physical loss of, or damage to property,

that happens during the period of cover available for your

journey, then we will cover you up to the limit shown in

Part C – Benefit Limits – 6.1 Personal Liability, for:

• the compensation (including legal costs) awarded

against you; and

• any reasonable legal costs incurred by you for settling

or defending a claim made against you, provided you

have approval in writing from Allianz Global Assistance

before incurring these costs. Please contact Allianz

Global Assistance to confirm approval for these costs.

Conditions

We should be told as soon as you or your personal

representatives are, or a reasonable person in your

circumstances would have been, aware of a possible

prosecution, inquest, fatality, accident or incident which

might lead to a claim against you.

You should not pay or promise to pay, settle with,

admit or deny liability to anyone who makes a claim

against you without our written consent. If you do, we

may reduce or refuse your claim to the extent we are

prejudiced. To ensure you are covered, please contact

Allianz Global Assistance before incurring any liability

costs or expenses.

6.1.2 What we exclude

To the extent permitted by law, we will not pay any

amount you become legally liable to pay if the liability

arises directly or indirectly from, or is in any way

connected with, or is for:

a) bodily injury to you, your travel companion or to a

relative or employee of any of you;

b) loss of or damage to property belonging to you, or

in your care, custody or control (unless the property

is a residence and you occupy it during the period of

cover available for your journey as a tenant or lessee,

or temporary guest);

c) your ownership, custody, control or use of any

firearm or weapon;

d) your ownership, control or use of a motorised

vehicle, an aircra, or a watercra (other than a

non-motorised watercra used on inland waters)

however, if you do not own or control the vehicle,

aircra or watercra and are only using it as a

passenger, this exclusion does not apply;

e) your conduct of, or employment in any business,

profession, trade or occupation;

f) any loss, damage or expenses which are covered or

should have been covered under a statutory or

compulsory insurance policy, scheme or fund, or

under Workers Compensation legislation, an

industrial award or agreement, or Accident

Compensation legislation;

g) any fine or penalty, or aggravated, punitive,

exemplary or liquidated damages;

h) any relief or recovery from you other than monetary

amounts;

i) a contract that imposes on you a liability which you

would not otherwise have;

j) assault and/or battery committed by you or at your

direction;

k) any act intended to cause bodily injury, property

damage or liability done by you or any person acting

with your knowledge, connivance or consent;

l) illness, sickness or disease that is transmitted by you.

Section 6.2 Legal Expenses

6.2.1 What we cover

If, during the period of cover available for your journey,

you are injured or die because of the fault of some

entity other than a relative or travel companion, we will

reimburse you or your estate up to the limit specified

in Part C – Benefit Limits for reasonable legal costs you

incur in the pursuit of damages or compensation from

the entity at fault.

Conditions

You or your estate will need to take reasonable steps to

obtain our consent in writing before incurring any legal

costs or commencing proceedings against any entity at

fault. If you do not obtain consent prior to incurring the

costs, we may reduce or refuse your claim to the extent

we are prejudiced. To ensure you are covered, please

contact Allianz Global Assistance before incurring any

liability costs or expenses.

6.2.2 What we exclude

To the extent permitted by law, we will not pay any

amount you incur for:

a) any claim you make against any travel service

provider or insurance company;

b) any legal costs you incur without our prior written

consent. If you do not obtain our prior written

consent, we may reduce or refuse your claim to the

extent we are prejudiced. To ensure you are covered,

please contact Allianz Global Assistance before

incurring any liability costs or expenses;

c) any legal action where aer obtaining independent

legal advice, we consider that no benefit would be

achieved by pursuing such action.

Domestic Travel Insurance

Not all insurance covers are available for all cards and

different conditions may also apply depending on your

Card Level, so please refer to each Part of this Policy

Information Booklet to determine the complimentary

insurance benefits that may be available to you.

Part A – Eligibility for Cover

Who is eligible?

If you are a Level 1 Card or Level 2 Card cardholder, you

are eligible for the cover available if:

1. the entire cost of your return domestic flight ticket is

charged to the accountholder’s card account prior to

commencing the journey; or

2. before commencing your journey, you spend at least

$250 on your prepaid travel costs and you charge

these costs (e.g. cost of your return domestic travel

ticket; and/or airport/departure taxes; and/or your

prepaid domestic accommodation/travel; and/or

your other prepaid domestic itinerary items) to the

accountholder’s card account and you have a return

domestic flight ticket prior to commencing the

journey.

Who else is eligible?

If the cardholder is eligible for the cover available, the

cardholder’s spouse and dependants are also eligible if:

a) the entire cost of their return domestic flight ticket is

charged to the accountholder’s card account prior to

commencing the journey; or

b) before commencing the journey, at least $250 of

each of the spouse and/or dependant’s prepaid

travel costs are charged to the accountholder’s card

account and each of the spouse and/or dependants

has a return domestic flight ticket; and

c) the spouse and/or dependants are travelling with the

cardholder for at least 50% of the period of cover

made available to the cardholder for the cardholder’s

journey.

When a cardholder, spouse and dependant are travelling

together, only one eligible person can claim the benefits

payable to a cardholder. The other eligible persons may

only claim as a spouse or dependant. For example, when

a spouse is also a cardholder, if they do not meet the

eligibility requirements as a cardholder they can only

claim as a spouse, not a cardholder.

Dependants under the age of two years at the date the

journey commences

If a cardholder satisfies the eligibility criteria set out

above, their dependant under the age of two years as at

the date the journey commences is eligible for the cover

provided the dependant is travelling with the cardholder

for at least 50% of the period of cover available to the

cardholder for the cardholder’s journey.

No cover is available for dependants born on the journey.

Part B – Period Of Cover

The period of cover available under Section 1.1

Cancellation begins on the date you become eligible for

cover by meeting the eligibility criteria set out in Part A –

Eligibility for Cover.

Provided you meet the eligibility criteria set out in Part A

– Eligibility for Cover, the period of cover made available

for all other insured events commences when you leave

your home to start your journey or on the departure date

shown on your return domestic flight ticket, whichever is

the later.

Cover under all sections ends when the first of the

following occurs:

a) when you return to your home from the airport

shown on your return domestic flight ticket; or

b) when you cancel your return domestic flight ticket;

c) for Level 1 Card cardholders, spouses and/or

dependants, 28 consecutive days aer your journey

starts, or for Level 2 Card cardholders, spouses and /

or dependants, 14 consecutive days aer your

journey starts.

For the avoidance of doubt, the period of cover available

is for a maximum of 28 days per journey for Level 1 Card

cardholders and 14 days per journey for Level 2 Card

cardholders.

Part C – Benefit Limits

The table below sets out the amounts and maximum

limits of what we will pay under each section of Domestic

Travel Insurance. All limits and sub-limits in the table are

shown in Australian dollars.

The cover available is outlined in Part E and is subject to

the applicable terms, conditions, exclusions, limits and

applicable sub-limits.

All costs and expenses claimed must be necessary and

reasonable.

Section Limit

1.1 Cancellation Up to a maximum total limit of $3,000

for all claims combined

2.1 Flight Delay 4 hours or more, $125 per person up

to a maximum total limit of $300 for all

claims combined

3.1 Additional

Expenses

Up to a maximum total limit of $3,000

4.1 Luggage Up to $750 for each covered item, up to

a maximum total limit of $2,000

4.2 Luggage

Delay

12 hours or more, $150 per person, up

to a maximum total limit of $400 for all

claims combined

Part D – Excesses & General Exclusions

Excesses

You must pay the following excess amounts for each

claim made under the following covers even if a number

of claims are submitted on the one claim form. However

if you make more than one claim as the result of a single

event, the highest excess will apply but will only apply

once.

Section Cover type Excess

1.1 Cancellation $75

2.1 Flight Delay Nil

3.1 Additional Expenses $75

4.1 Luggage $75

4.2 Luggage Delay Nil

General Exclusions

The general exclusions below set out what is not

covered.

You should also read each section as they contain

specific exclusions that may also apply.

To the extent permitted by law we do not cover you for

any loss, damage or expense caused by or arising from:

1. your loss of enjoyment; loss of revenue, loss of profits

or loss of goodwill;

2. you booking or taking travel against medical advice,

travel for the purpose of getting medical treatment

or advice, or travel taken aer a medical adviser

informs you that you are terminally ill;

3. your intentional self harm or your suicide or your

attempted suicide;

4. your claim arises from, or is caused, or is contributed

to, by you being aected by any intoxicating liquor or

drug to the extent that your physical, or mental

functions, or your judgement are impaired, except

a drug prescribed to you by a medical adviser, and

taken in accordance with their instructions;

5. you not following an advice or warning that a

reasonable person would have been aware of:

• by an Australian government (including State and

Territory governments); or

• which was published in a reliable mass media

source;

6. flying other than when you are travelling as a

passenger in:

• a fully licensed aircra operated by an airline or

charter company; or

• a regulated or licensed hot air balloon;

7. your participation in any dangerous activities or your

exposure of yourself to danger during your journey

unless in an attempt to preserve your life or the life of

another person, such as:

• scuba diving unless you hold an open water diving

certificate or are diving with a qualified and

registered diving instructor;

• mountaineering or rock climbing requiring the use

of ropes and/or climbing equipment, racing (other

than amateur racing on foot), white water raing,

white water boating, abseiling, parasailing,

skydiving, hang gliding, base jumping, bungy

jumping, pot holing, canyoning, caving, fire

walking, running with the bulls, rodeo riding, polo

playing, hunting, shooting, archery, tobogganing,

water skiing, jet skiing, o-piste snow skiing,

o-piste snowboarding, snowmobiling or any

other similar activity;

• quad-bike or motorcycle riding during your

journey unless it involves you only driving a

motorcycle, with an engine capacity of 200cc or

less, for which you hold a valid motorcycle licence;

• any other similar activity that a reasonable person

would consider dangerous;

8. any kind of training for, coaching or competing in any

sporting event where you are entitled to receive, or

are eligible to receive, an appearance fee, wage,

salary or prize money in excess of $1,000;

9. your claim arises from, or is caused, or is contributed

to by an illegal or criminal act by you, your spouse,

your dependants or any other person acting with

your consent or under your direction;

10. your participation as a crew member or pilot of any

transportation;

11. the injury, illness or death of any person who is aged

81 years or over at the time you become eligible for

cover under Domestic Travel Insurance;

12. any interference with your travel plans by any

government, government regulation or prohibition

or intervention or oicial authority;

13. your failure to take reasonable care such as failure to

wear appropriate safety equipment;

14. any epidemic or pandemic, or in any way related to

any epidemic or pandemic, unless your claim relates

to you or your travel companion being positively

diagnosed with a sickness recognised as an epidemic

or pandemic and cover is expressly included in the

following sections:

• 1.1 Cancellation

• 3.1 Additional Expenses

15. any act of war, whether war is declared or not, or

from any rebellion, revolution, insurrection or taking

of power by the military;

16. a nuclear reaction or contamination from nuclear

weapons or radioactivity;

17. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for

the purpose of harming or to destroy human life and/

or create public fear;

18. providing cover or being liable to pay any claim or

provide any benefit (including a refund on premium)

under this policy to the extent that the provision of

such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of

Australia, New Zealand, the European Union, United

Kingdom or United States of America.

Part E – The Cover Available

In order to be sure that you are covered under this policy,

where reasonable, you should always call us for approval

before you incur certain expenses. If you do not, we will

pay for expenses incurred up to the amount we would

have authorised had you asked us first.

Epidemics and pandemics (COVID-19)

If, during the period of cover available, you (including

your spouse and/or dependants who are eligible for

cover) are positively diagnosed as suffering a sickness

recognised as an epidemic or pandemic, such as COVID-

19, cover is available to you under the following sections:

1.1 Cancellation

3.1 Additional Expenses

If your travel companion is positively diagnosed as

suffering a sickness recognised as an epidemic or

pandemic, such as COVID-19, which impacts your journey,

cover is available to you under the following sections:

1.1 Cancellation

3.1 Additional Expenses

Terms, conditions, exclusions, limits and applicable sub-

limits apply. Please refer to Part D – General Exclusions

and the exclusions set out in each of the above sections.

For example, you will not be covered if you are positively

diagnosed as suffering a sickness recognised as an

epidemic or pandemic while travelling against an advice

or warning issued by an Australian government and you

did not take reasonable care to avoid contracting the

sickness (for example by delaying travel to the country

or part of the country referred to in the warning),

refer to General Exclusions 5 and 13 in Part D for more

information. Please note, this also applies even if the

Australian government has given you permission to

travel or you fall under a specific exemption where there

is otherwise a travel ban in place that prohibits you

from travelling.

For all other sections and any claim arising from, or

related to, epidemics and pandemics, there is no cover.

Section 1.1 Cancellation

1.1.1 What we cover

If, during the period of cover available, your journey

is cancelled, disrupted or rescheduled because of

circumstances that were not expected or intended by

you and outside your control (including if you or your

travel companion are positively diagnosed as suffering

a sickness recognised as an epidemic or pandemic,

such as COVID-19, which reasonably prevents you from

travelling), we will reimburse you:

Unused travel and accommodation arrangements

a) the non-refundable portion of unused travel and

accommodation arrangements scheduled to be used

during the period of cover available for your journey,

that you have paid in advance of cancellation or

disruption and cannot recover in any other way,

limited to the maximum total limit specified in Part C

– Benefit Limits – 1.1 Cancellation.

Travel agent’s fees

b) Your travel agent’s cancellation fees and any

commission or service fees retained by your travel

agent, limited to the amount of commission or

service fees that your travel agent would have earned

had your journey not been cancelled or the amount

specified in Part C – Benefit Limits – 1.1 Cancellation,

whichever is the lesser.

Frequent flyer, airmiles, loyalty points & vouchers

c) For the value of frequent flyer points, air miles,

loyalty card points, redeemable vouchers or other

similar schemes lost by you as a result of cancelling

the services paid for or obtained with those points,

air miles, vouchers or schemes, but only if you

cannot recover your loss in any other way.

We calculate the amount we will pay you, which

is limited to the maximum total limit specified in

Part C – Benefit Limits – 1.1 Cancellation, as follows:

• For frequent flyer points, air miles or loyalty card

points:

–

the cost of an equivalent booking based on the

same advance booking period as your original

booking less any payment you made toward

the booking, multiplied by

– the total number of points or air miles lost,

– divided by the total number of points or air

miles used to make the booking.

• for vouchers, the face value of the voucher. If there

is no face value on the voucher we will pay the

market value.

Rescheduling your journey

d) Your reasonable costs of rescheduling your journey.

The most we will pay for rescheduling your journey is

the unrecoverable amount that would have been

payable under sub-sections 2.1.1 a), b) and c) had

your journey been cancelled. We will not pay a claim

under sub-section 2.1.1 d) in addition to a claim

under sub-sections 2.1.1 a), b) and c) for the same

services/facilities.

Conditions

If you want to claim under the cover available, you

should do the following as soon as reasonably possible

after the happening of the unexpected event causing

your claim:

• cancel any pre-arranged travel and accommodation

scheduled to be used during the period of cover

available for your journey that you are now unable to

use; and

• recover any refund that you are entitled to.

If you think that you may have to cancel your journey

or shorten your journey you should tell us as soon as

reasonably possible. For more information see under the

headings CLAIMS or call the contact number shown on

the inside front cover of this booklet.

If you unreasonably delay or fail to cancel your pre-

arranged travel and accommodation arrangements

and we are prejudiced by your delay or failure, we may

reduce the amount payable for your claim to the extent

we are prejudiced.

If your claim is related to your fitness to travel, you

should take reasonable steps to provide us with written

confirmation from a medical adviser.

1.1.2 What we exclude

To the extent permitted by law we will not pay your

claim if:

a) you were aware, or a reasonable person in your

circumstances would have been aware before you

became eligible for the cover, of any reason that

may cause your journey to be cancelled,

rescheduled or shortened;

b) the claim arises from an injury, illness or death of

any person who is aged 81 years or over at the time

you become eligible for cover under Domestic

Travel Insurance;

c) caused by you or your travel companion changing

plans;

d) caused by financial default or financial collapse of a

services provider with whom you make a booking or

the financial default or financial collapse of any

company, organisation or person with whom they

deal;

e) caused by an act of terrorism.

Section 2.1 Flight Delay

2.1.1 What we cover

If during the period of cover available for your journey,

the departure of your domestic flight, is delayed for the

period specified in Part C – Benefit Limits – 2.1 Flight

Delay due to circumstances outside your control and

no alternative transport is provided by the carrier, we

will reimburse the cost of your reasonable additional

meal and accommodation expenses, up to the amount

specified in Part C – Benefit Limits – 2.1 Flight Delay.

2.1.2 What we exclude

We will not pay if a delay to your journey arises from an

act of terrorism.

Section 3.1 Additional Expenses

3.1.1 What we cover

Additional travel & accommodation expenses due to

your incapacity

a) If you cannot continue your journey because of an

injury or sickness (including if you are positively

diagnosed as suering a sickness recognised as an

epidemic or pandemic, such as COVID-19) which

occurs during the period of cover available for your

journey and needs immediate treatment from a

medical adviser, we will reimburse your reasonable

additional accommodation and travel expenses.

Emergency travel & accommodation expenses for

a necessary companion

b) If during the period of cover available for your

journey, you are admitted to hospital suering from

a life threatening or other serious condition which

occurs during the period of cover available for your

journey, we will reimburse the reasonable travel and

accommodation expenses for a relative or friend to

travel to you, stay near you or escort you. The relative

or friend must travel to you, stay near you or escort

you on the written advice of your treating medical

adviser and with the prior written approval of Allianz

Global Assistance, for which approval will not be

unreasonably withheld or delayed. Please contact

Allianz Global Assistance for approval of these costs.

Otherwise, we may reduce the amount payable for

your claim to the extent we are prejudiced.

Additional travel & accommodation expenses due to

your travel companion’s incapacity

c) If your travel companion cannot continue their

journey because of an injury or sickness (including if

your travel companion is positively diagnosed as

suering a sickness recognised as an epidemic or

pandemic, such as COVID-19) which occurs during

the period of cover available for your journey and

which needs immediate treatment from a medical

adviser, we will reimburse your reasonable additional

accommodation and travel expenses for you to

remain with your travel companion. Please contact

Allianz Global Assistance for approval of these costs.

No cover is available for a claim arising from any

pre-existing medical condition of your travel

companion.

Expenses due to your repatriation or evacuation home

d) If during the period of cover available, you shorten

your journey and return to your home on the advice

of your treating medical adviser and with the

approval of Allianz Global Assistance, we will

reimburse the reasonable additional cost of your

return to your home. We will only pay the cost of the

fare class that you had planned to travel at and you

must make use of any pre-arranged return travel to

your home. Please contact Allianz Global Assistance

for approval of these costs.

Repatriation of dependants le without supervision

e) If your dependants are le without supervision

following your hospital admission or evacuation

during the period of cover available for your journey,

we will pay the reasonable additional travel and

accommodation expenses incurred to return them to

your home, including the travel and accommodation

expenses of an escort if agreed to by Allianz Global

Assistance. Please contact Allianz Global Assistance

for approval of these costs.

Additional travel & accommodation expenses due to

specified events

f) In addition, if during the period of cover available a

disruption to your journey arises from:

• your scheduled or connecting transport being

cancelled, delayed, rescheduled or diverted

because of a strike, riot, hijack, civil protest,

weather, natural disaster or accident aecting

your mode of transport;

• you unknowingly break any quarantine rule (but

not a quarantine rule applying to an epidemic or

pandemic);

• you lose your passport, travel documents or

transaction cards or they are stolen; or

• your home being rendered uninhabitable by fire,

explosion, earthquake or flood, we will reimburse

your reasonable additional travel and

accommodation expenses. Please contact Allianz

Global Assistance for approval of these costs.

Whenever claims are made by you under this section and

Section 1.1 Cancellation for cancelled services/facilities

or alternative arrangements for the same or similar

services/facilities, we will pay for the higher of the two

amounts, not both.

3.1.2 What we exclude

To the extent permitted by law, we will not pay your

claim:

a) if you were aware, or a reasonable person in your

circumstances would have been aware, of any

reason, before you became eligible for the period of

cover available, that may cause your journey to be

cancelled, disrupted or delayed;

b) if the claim arises from an injury, illness or death of

any person who is aged 81 years or over at the time

you become eligible for cover under Domestic Travel

Insurance;

c) if you can recover your additional travel and

accommodation expenses from someone else, for

example, an airline or tour provider;

d) if caused by any service provider misappropriating

your funds or failing to arrange or provide services

for which you have paid;

e) for cancellations, delays, rescheduling or diversions

to your scheduled or connecting transport unless it is

due to a strike, riot, hijack, civil protest, weather,

natural disaster or accident aecting your mode of

transport;

f) if your claim arises directly or indirectly out of you

operating a rental vehicle in violation of the rental

agreement.

Section 4.1 Luggage

You must take all reasonable precautions to safeguard

your covered items and your valuables. If you do not,

we will not pay your claim. For example, you will not

be taking reasonable precautions if you leave your

belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or if these persons fail to take all reasonable

precautions to safeguard your covered items or

valuables).

This includes forgetting or misplacing any items, leaving

them behind or walking away from them.

4.1.1 What we cover

a) If, during the period of cover available for your

journey, the following covered items or valuables:

• baggage, clothing or personal valuables;

• portable electrical equipment, laptop computers

and associated equipment/accessories,

binoculars, cameras and associated equipment

ccessories,

are stolen, accidentally damaged or are permanently

lost, except when:

• le in a vehicle (see sub-section 4.1.1 b) below); or

• are valuables le in a vehicle or checked in to be

transported in the cargo hold of any aircra, ship,

train, tram or bus (see sub-section 4.1.1 c) below).

we will pay the lesser of:

• the depreciated value aer allowing for age, wear

and tear (see the Depreciation section for more

detail)

• the original purchase price;

• the replacement cost; or

• the repair cost.

We will not apply depreciation to any item we pay for

where less than 12 consecutive months have elapsed

since the item was purchased new.

The maximum amount we will pay for any item is up

to the item limit specified in Part C – Benefit Limits –

4.1 Luggage.

A pair or related set of items, for example (but not

limited to):

– a camera, lenses (attached or not), tripod and

accessories;

– a matched or unmatched set of golf clubs, golf bag

and buggy; or

– a matching pair of earrings,

are considered as only one item for the purpose of

this cover, and the appropriate single item limit will

be applied.

b) Covered items specified in 4.1.1 a) that are le in a

vehicle during the period of cover available for your

journey are only covered during daylight hours and

must have been le in a concealed storage

compartment of a locked vehicle, and in the event of

the, forced entry must have been made. The most

we will pay is up to the total amount specified in Part

C – Benefit Limits – 4.1.1 b) Luggage for all covered

items stolen from a locked vehicle.

c) No cover is available for valuables le in a vehicle at

any time or valuables checked in to be transported in

the cargo hold of any aircra, ship, train tram or bus

including any loss from the point of check in until

collection by you from the baggage carousel or

collection area at the end of your flight, voyage or

trip. However, cover will be available for loss, the or

accidental damage to laptops, tablets and mobile/

smartphones when (without prior notice) you are

directed by the airline with whom you have a flight

booking to place the laptop, tablet or mobile/

smartphone into your checked baggage or overhead

cabin locker for the duration of your flight.

Conditions

If you make a claim, you will need to provide proof of

ownership and the value of your belongings. Examples of

proof include receipts and/or valuations (e.g. receipt or

valuation for jewellery). If you cannot prove the value of

the items, the most we will pay for each individual item is

10% of the limit shown for that type of item in the Part C

– Benefit Limits – 4.1 Luggage.

As soon as practical, you should report any loss or theft

to the police or an office of the bus line, airline, shipping

line or rail authority you were travelling on when the loss

or theft occurred.

You should make reasonable efforts to obtain

confirmation from whoever you made the report to as

this may be the easiest way to provide evidence of the

loss or theft. If you unreasonably delay or fail to make

a report and we are prejudiced by your delay or failure,

we may reduce the amount payable for your claim to the

extent we are prejudiced.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft, misplacement or damage

occurred we will deduct the amount you are entitled to

from any claim payable by us. However, if you are not

reimbursed the full amount of your loss, we will pay

the difference between the amount of your loss and

what you were reimbursed, up to the limit of the cover

available.

4.1.2 What we exclude

To the extent permitted by law, we will not pay a claim in

relation to your covered items and valuables) if:

a) the loss, the or damage is to, or of, covered items

le behind in any hotel or motel room aer you have

checked out, or items le behind in any aircra, ship,

train, tram, taxi or bus;

b) the covered items or valuables were being sent

unaccompanied by you or under a freight contract;

c) the loss or damage arises from any process of

cleaning, repair or alteration;

d) the loss or damage arises from ordinary wear and

tear, deterioration, atmospheric or weather

conditions, insects, rodents or vermin;

e) the covered item disappears in circumstances that

cannot be reasonably explained;

f) your claim arises from a government authority

confiscating, detaining or destroying anything;

g) you do not take reasonable precautions to safeguard

your covered items or valuables. For example, you

will not be taking reasonable precautions if you leave

your belongings in a publicly accessible location;

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or if these persons fail to take all

reasonable precautions to safeguard your covered

items or valuables).

This includes forgetting or misplacing any items,

leaving them behind or walking away from them;

h) the covered item or valuable has an electrical or

mechanical breakdown or an inherent defect that is

known or could reasonably be known by you;

i) the covered item or valuable is fragile or brittle or is

an electrical component and is broken, unless the

breakage was caused by the, fire or an accident

involving a vehicle in which you were travelling;

j) the loss or damage arises from scratches occurring to

lenses or screens of covered items or valuables

however caused;

k) the covered items were sporting equipment that

were damaged during use.

Section 4.2 Luggage Delay

4.2.1 What we cover

If during the period of cover available for your journey

any of your covered items are delayed, misdirected or

misplaced by the carrier for more than 12 consecutive

hours, we will reimburse you for the reasonable costs

you incur for you to purchase essential items of clothing

or other personal items, up to the amount specified in

Part C – Benefit Limits – 4.2 Luggage Delay.

Conditions

You will need to make reasonable efforts to obtain

confirmation from the carrier who was responsible for

your covered items confirming that your items were

delayed, misdirected or misplaced as this may be the

easiest way to provide evidence of the delay.

We will deduct any amount we pay you under this

section from any subsequent claim you make for lost

covered items payable under Section 4.1 Luggage.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft, misplacement or damage

occurred we will deduct the amount you are entitled to

from any claim payable by us.

However, if you are not reimbursed the full amount of

your loss, we will pay the difference between the amount

of your loss and what you were reimbursed, up to the

limit of the cover available.

Rental Vehicle Excess Insurance

in Australia

Not all insurance covers are available for all cards and

different conditions may also apply depending on your

Card Level, so please refer to each Part of this Policy

Information Booklet to determine the complimentary

insurance benefits that may be available to you.

Part A – Eligibility for Cover

Who is eligible?

Level 1 Card and Level 2 Card Cardholders are eligible

when the entire payment for the vehicle rental was

charged to the accountholder’s card account.

Part B – Period of Cover

The cover available begins when you collect the rental

vehicle from the rental vehicle company or agency you

have entered into a rental vehicle agreement with and

ends when you return the rental vehicle to the rental

vehicle company or agency or at the expiry of the rental

vehicle agreement, whichever occurs earlier.

Part C – Benefit Limits

The table sets out the maximum limits of what we will

pay under Rental Vehicle Excess Insurance in Australia.

All limits and sub-limits in the table below are shown in

Australian dollars.

The cover available is outlined in Part E and is subject to

the applicable terms, conditions, exclusions, limits and

sub-limits.

Limit

Level 1 Cards – The amount specified in your rental vehicle

agreement up to the maximum total limit of $10,000 for all

claims combined during the rental period.

Level 2 Cards – The amount specified in your rental vehicle

agreement up to the maximum total limit of $5,000 for all

claims combined during the rental period.

Part D – Excess & Exclusions

Excess

You must pay the following excess amount for each claim

made under this insurance, even if a number of claims

are submitted on the one claim form. However, if you

make more than one claim as the result of a single event,

the highest excess will apply, but will only apply once.

An excess of $100 applies to each claim payable under

Rental Vehicle Excess Insurance in Australia.

Exclusions

The exclusions below set out what is not covered. You

should also read each section as they contain specific

exclusions that also apply.

To the extent permitted by law we do not cover you for

any loss, damage or expense caused by or arising from:

1. your loss of enjoyment; loss of opportunity; loss of

revenue; loss of profits or loss of goodwill;

2. your intentional self harm or your suicide or

attempted suicide;

3. a claim arising from, or is caused, or is contributed to,

by you being aected by any intoxicating liquor or

drug to the extent that your physical, or mental

functions, or your judgement are impaired, except a

drug prescribed to you by a medical adviser, and

taken in accordance with their instructions;

4. you using the rental vehicle in breach of the rental

agreement;

5. you using the rental vehicle without a licence for the

purpose that you were using it; (such as but not

limited to the carrying of fare paying passengers or

the carrying of freight);

6. administrative charges or fees of the rental company

that are not a component of the amount that is

specified in your rental vehicle agreement;

7. any act of terrorism;

8. any act of war, whether war is declared or not, or

from any rebellion, revolution, insurrection or taking

of power by the military;

9. a nuclear reaction or contamination from nuclear

weapons or radioactivity;

10. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for

the purpose of harming or to destroy human life and/

or create public fear;

11. providing cover or being liable to pay any claim or

provide any benefit (including a refund on premium)

under this policy to the extent that the provision of

such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of

Australia, New Zealand, the European Union, United

Kingdom or United States of America;

12. your failure to take reasonable care such as failure to

wear appropriate safety equipment.

Part E – The Cover Available

In order to be sure that you are covered under this policy,

where reasonable, you should always call us for approval

before you incur certain expenses. If you do not, we will

pay for expenses incurred up to the amount we would

have authorised had you asked us first.

Cover is only available if your rental vehicle agreement

specifies an amount that is payable in the event the

rental vehicle is damaged or stolen while in your custody.

This cover may not provide cover for items, such as but

not limited to, tyres, rims, windscreens, glass, roof and/or

underbody if damage to these items is in addition to the

specific amount shown in your rental vehicle agreement

that you are responsible to pay for damage or theft.

What we cover

If, during the period of cover available, a rental vehicle

you have rented from a rental company or agency is:

• involved in a motor vehicle accident while you are

driving it; or

• damaged or stolen while in your custody,

then we will pay you the lesser of:

• the cost of property damage for which you are liable;

• the amount specified that you must pay under your

rental vehicle agreement; or

• the limit shown in Part C – Benefit Limits.

Conditions

To support your claim, you must take reasonable steps

to provide:

• your rental vehicle agreement;

• the incident report that was completed; and

• written confirmation from the rental company or

agency of the amount for which you are liable.

You may also need to provide:

• the repair account and invoice from the motor vehicle

repairer (if available to you); and

• an itemised list of the value of the damage.

Purchase Protection Insurance

Not all insurance covers are available for all cards and

different conditions may also apply depending on your

Card Level, so please refer to each Part of this Policy

Information Booklet to determine the complimentary

insurance benefits that may be available to you.

Part A – Eligibility for Cover

Who is eligible?

Level 1 Card, Level 2 Card and Level 3 Card cardholders

are eligible for Purchase Protection Insurance for

covered items or valuables:

• purchased anywhere in the world; or

• purchased and given as a gi to any permanent

Australian resident,

provided the whole purchase price of the covered item is

charged to the accountholder’s card account.

Part B – Period of Cover

Purchase Protection Insurance applies to covered items

and valuables after the date you take possession of

the covered item or valuable when the full purchase

price of the covered item or valuable is charged to the

accountholder’s card account. The following maximum

period of cover is available for your covered items and

valuables.

Period of cover

90 consecutive days for purchases made with Level 1 Cards,

Level 2 Cards and Level 3 Cards.

Part C – Benefit Limits

The table below sets out the maximum limits of what we

will pay under Purchase Protection Insurance.

All limits and sub-limits in the table below are shown

in Australian dollars. The cover available is outlined in

Part E and is subject to the applicable terms, conditions,

exclusions, limits and sub-limits.

If you need advice in respect of your particular

circumstances or needs, please consult an appropriately

licensed insurance adviser.

Limit

Purchase price charged to card account except for jewellery,

watches and new works of art which are limited to $5,000 per

claim. Maximum total limit for all claims in any twelve (12)

consecutive month period is $200,000 per card account.

Part D – Excess & Exclusions

Excess

No excess applies to any claim under Purchase

Protection Insurance.

Exclusions

The exclusions below set out what is not covered. You

should also read each section as they contain specific

exclusions that also apply.

To the extent permitted by law we do not cover you for

any loss, damage or expense caused by or arising from:

1. the loss, the or damage to, or of, items le behind in

any hotel or motel room aer you have checked out,

or items le behind in any aircra, ship, train, tram,

taxi, ride share or bus;

2. covered items or valuables being sent

unaccompanied by you or under a freight contract;

3. loss or damage arising from any process of cleaning,

repair or alteration;

4. loss or damage arising from ordinary wear and tear,

deterioration, atmospheric or weather conditions,

insects, rodents or vermin;

5. the disappearance of covered items or valuables in

circumstances that cannot be reasonably explained;

6. your claim arising from a government authority

confiscating, detaining or destroying anything;

7. you not taking all reasonable precautions to

safeguard your covered items or valuables. For

example, you will not be taking reasonable

precautions if you leave your belongings in a publicly

accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or these persons fail to take reasonable

precautions to safeguard your covered items or

valuables);

• This includes forgetting or misplacing any items,

leaving them behind or walking away from them;

8. the covered item or valuable having an electrical or

mechanical breakdown;

9. any act of war, whether war is declared or not, or

from any rebellion, revolution, insurrection or taking

of power by the military;

10. a nuclear reaction or contamination from nuclear

weapons or radioactivity;

11. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for

the purpose of harming or to destroy human life and/

or create public fear;

12. providing cover or being liable to pay any claim or

provide any benefit (including a refund on premium)

under this policy to the extent that the provision of

such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of

Australia, New Zealand, the European Union, United

Kingdom or United States of America;

13. your failure to take reasonable care;

14. the covered items were sporting equipment that

were damaged during use;

15. the covered items were valuables that were checked

in to be transported in the cargo hold of any aircra,

ship, train, tram or bus (including any loss from the

point of check in until collection by you from the

baggage carousel or collection area at the end of

your flight, voyage or trip);

16. the covered items or valuables were le in a motor

vehicle.

Part E – The Cover Available

You must take all reasonable precautions to safeguard

your covered items and your valuables. If you do not,

we will not pay your claim. For example, you will not be

taking reasonable precautions if you leave your covered

items or your valuables in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a

relative (or if these persons fail to take all reasonable

precautions to safeguard your covered items and your

valuables). This includes forgetting or misplacing any

items, leaving them behind or walking away from

them.

What we cover

If, during the period of cover available, your covered

item or valuable is stolen, accidentally damaged or

permanently lost we will pay you the lesser of:

a) the original purchase price charged to the

accountholder’s card account up to the limit

specified in Part C – Benefit Limits; or

b) the limit per claim specified in Part C – Benefit Limits

for jewellery, watches and new works of art.

The most we will pay for all claims in any 12 month

period is the maximum total limit specified in Part C –

Benefit Limits.

Conditions

If you make a claim, you will need to provide proof of

ownership and the value of your belongings. Examples of

proof include receipts and/or valuations (e.g. receipt or

valuation for jewellery).

As soon as reasonably practical, you should report any

loss or theft to the police or an office of the bus line,

airline, shipping line or rail authority you were travelling

on when the loss or theft occurred.

You should make reasonable efforts to obtain

confirmation from whoever you made the report to as

this may be the easiest way to provide evidence of the

loss or theft. If you unreasonably delay or fail to make

a report and we are prejudiced by your delay or failure,

we may reduce the amount payable for your claim to

the extent we are prejudiced.

If you are entitled to be reimbursed by the bus line,

airline, shipping line or rail authority you were travelling

on when the loss, theft misplacement or damage

occurred we will deduct the amount you are entitled to

from any claim payable by us.

However, if you are not reimbursed the full amount of

your loss, we will pay the difference between the amount

of your loss and what you were reimbursed, up to the

limit of cover available.

Extended Warranty Insurance

Not all insurance covers are available for all cards and

different conditions may also apply depending on your

Card Level, so please refer to each Part of this Policy

Information Booklet to determine the complimentary

insurance benefits that may be available to you.

Part A – Eligibility For Cover

Who is eligible?

Level 1 Card and Level 2 Card cardholders are eligible

for Extended Warranty Insurance when the whole

purchase price of the covered item is charged to the

accountholder’s card account. This Extended Warranty

Insurance is not transferable to any other person.

Only items with a manufacturer’s unique identification

serial number on them and a manufacturer’s warranty

period are covered under this insurance.

Part B – Period Of Cover

Cover applies from the date the manufacturer’s

warranty expires and applies for the same period as the

manufacturer’s warranty for up to a maximum of one

full year. However, there is no cover if the manufacturer’s

warranty exceeds five years.

The table below sets out examples of how extended

warranty periods apply.

Manufacturer’s

Warranty Period

Extended Warranty

6 months 6 months

1 year 1 year

1 to 5 years 1 year

Over 5 years No cover

Part C – Benefit Limits

The table sets out the maximum limits of what we will

pay under Extended Warranty Insurance. All limits and

sub-limits in the table below are shown in Australian

dollars.

The cover available is outlined in Part E and is subject to

the applicable terms, conditions, exclusions, limits and

sub-limits.

If you need advice in respect of your particular

circumstances or needs, please consult an appropriately

licensed insurance adviser.

Limit

Purchase price charged to card account limited to $10,000

per covered item up to a maximum total limit of $40,000 per

card account in any 12 month period.

Part D – Excess & Exclusions

Excess

No excess applies to any claim payable under Extended

Warranty Insurance.

Exclusions

The exclusions below set out what is not covered.

You should also read each section as they contain

specific exclusions that also apply.

To the extent permitted by law we do not cover you for

any loss, damage or expense caused by or arising from:

1. illegal or criminal acts by you, your spouse, your

dependants or any other person acting with your

consent or under your direction;

2. your failure to take reasonable care;

3. any act of war, whether war is declared or not, or

from any rebellion, revolution, insurrection or taking

of power by the military;

4. a nuclear reaction or contamination from nuclear

weapons or radioactivity;

5. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly

for the purpose of harming or to destroy human life

and/ or create public fear; or

6. providing cover or being liable to pay any claim or

provide any benefit (including a refund on premium)

under this policy to the extent that the provision of

such cover, payment of such claim or provision of

such benefit would contravene or otherwise expose

us to the risk of any penalty, sanction, prohibition or

restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of

Australia, New Zealand, the European Union, United

Kingdom or United States of America.

Part E – The Cover Available

Your covered item may come with guarantees that

cannot be excluded under the Australian Consumer

Law (ACL) or other relevant law. This cover operates

alongside, and in addition to, the rights and remedies

to which you may be entitled under the ACL and any

other law that applies to your covered item and does not

change those rights or remedies.

What we cover

If a covered item that you purchased and charged

the whole purchase price to the accountholder’s card

account suffers a covered breakdown during the period

of cover available, we will reimburse you the lesser of:

• the original purchase price; or

• the repair cost; or

• the replacement cost; or

• the limit per covered item specified in Part C – Benefit

Limits,

subject to the maximum total limit per card account in

any 12 consecutive month period as specified in Part C –

Benefit Limits.

Conditions

Only items with a manufacturer’s unique identification

serial number on them are covered under this insurance.

You must take all reasonable care to protect and/or

maintain your covered items.

You should obtain our approval before starting any

repairs or replacement of any covered item that has

suffered a covered breakdown. If you do not, we may

reduce the amount payable for your claim to the

extent we are prejudiced. Please contact Allianz Global

Assistance for approval of these costs.

Claims

How to make a claim

Please do not contact the Bank in the event of a claim.

First check that you are entitled to claim by reading the

appropriate section in this booklet, especially Part D of

that section, to see exactly what is, and is not covered,

noting any applicable terms, conditions, exclusions,

limits and sub-limits.

Allianz Global Assistance administers the benefits

available under the Group Policy. You should give

Allianz Global Assistance notice of your claim as soon as

reasonably possible.

In order to be sure that any expenses you claim are

covered by the Group Policy you should always, when

reasonably practicable, contact Allianz Global Assistance

for approval before you incur expenses you wish to

claim. Otherwise, we may reduce the amount payable for

your claim to the extent we are prejudiced.

You are not covered for any claim made after termination

of, or the expiry of, the period of insurance specified in

the Group Policy. The Bank will provide you with details

of any replacement cover.

You can lodge your International Travel Insurance claim

online at claimmanager.com.au/nab

You can obtain claim forms and information on how to

make a claim at: travel.agaassistance.com.au/nab/make-

a-claim

Allianz Global Assistance will consider your claim within

10 business days of receiving a completed claim form

and all reasonably requested documentation. If we need

additional information, a written notification will be sent

to you within 10 business days.

If there is a delay in claim notification, or you do not

provide sufficient detail for Allianz Global Assistance to

consider your claim, we may reduce the amount payable

for your claim to the extent we are prejudiced.

You should take all reasonable steps to give any

information Allianz Global Assistance reasonably asks for

to support your claim at your expense, such as but not

limited to police reports, valuations, medical reports,

original receipts or proof of purchase and ownership.

If required Allianz Global Assistance may ask you to

provide them with translations into English of any such

documents to enable their consideration of your claim.

You should take all reasonable steps to co-operate in

relation to providing supporting evidence and such other

information that may reasonably be required.

In particular:

• If you think that you may have to cancel your journey

or shorten your journey you should tell us as soon as

reasonably possible. Contact Allianz Global Assistance

using the contact number, or if overseas the 24 HOUR

EMERGENCY ASSISTANCE number, shown inside the

front cover of this booklet;

• In the event of an emergency or admission to hospital

overseas or for medical, hospital or dental claims,

contact Allianz Global Assistance as soon as

reasonably practicable;

• For loss or the of your covered items or valuables,

you should as soon as reasonably practicable report it

to the police and obtain confirmation of your report.

If you unreasonably delay or fail to make a report,

we may reduce or refuse your claim to the extent we

are prejudiced;

• For damage or misplacement of your covered items or

valuables, caused by the airline or any other operator

or accommodation provider, report the damage or

misplacement as soon as reasonably possible to an

appropriate oicial and make reasonable eorts to

obtain a written report, including any oer of

settlement that they may make.

Depreciation

When taking into consideration the age of a covered item

or valuable we will deduct the following amounts from

our settlement for each item you have claimed:

• For toiletries and medication (including skin care,

make-up, perfume, deodorant and aershave) we will

deduct 50% of the purchase price for each year you

have owned the item up to a maximum deduction of

80%;

• For mobile phones, smart phones, electrical devices,

communication devices, all computers (including

laptops and tablets), photographic equipment and

electronics equipment we will deduct 20% of the

purchase price for each year you have owned the item

up to a maximum deduction of 80%;

• For clothing, footwear, luggage and books we will

deduct 15% of the purchase price for each year you

have owned the item to a maximum deduction of 80%;

• For camping, sporting and leisure equipment (but not

leisure clothing) and musical instruments we will

deduct 10% of the purchase price for each year you

have owned the item up to a maximum deduction

of 80%;

• For jewellery we will not make any deduction. Please

note, watches are not considered jewellery and are

included under other items below;

• For all other items we will deduct 15% of the purchase

price for each year you have owned the item to a

maximum deduction of 80%.

For example:

You have a $500 digital camera which was purchased

2 years before the date it was lost. The applicable rate of

depreciation would be 20% per year.

In settlement of your claim we would pay you $300

(i.e. we will depreciate the value of the digital camera

by 20% for each year of the 2 years you have owned it),

calculated as follows –

Year 1 – Purchase price of $500 less 20% ($100) = $400

Year 2 – Depreciated value of $400 less 20% of the

purchase price ($100) = $300

Claims are payable in Australian dollars

We will pay all claims in Australian dollars. We will pay

you unless you tell us to pay someone else. The rate of

currency exchange that will apply is the rate at the time

you incurred the expense. Payment will be made by

direct credit to a bank account nominated by you.

Recovery

If we have a claim against someone in relation to the

money we have to pay or we have paid, you must take

reasonable steps to help us do that in legal proceedings.

If you are aware of any third party that you or we may

recover money from, you must take reasonable steps to

inform us of such third party.

When making a claim you should tell us about any other

insurance under which you are or might be able to claim.

If you can claim from another insurer and we also pay

you in respect of the same insured event, then you

will be required to refund to us the amount we paid if

the other insurer also pays you. You cannot claim from

us and from the other insurer to obtain an aggregate

amount that exceeds your loss.

If during the period of cover made available, you suffer

a loss which is not fully covered by the Group Policy, we

may offer to attempt to recover your uninsured loss for

you.

You may specifically ask us to recover this for you

however, we have no obligation to do so. You will need

to give us documents supporting your loss. Before

we include any uninsured loss in a recovery action we

will also ask you to agree to the basis on which we will

handle your uninsured recovery action. You may need to

contribute to legal costs in some circumstances.

We will apply any money we recover from someone else

under a right of subrogation in the following order:

To us, our costs (administration and legal) arising

from the recovery.

To us, an amount equal to the amount that we paid

to you under the Group Policy.

To you, your uninsured loss (less your excess).

To you, your excess.

Once we pay your total loss (including your uninsured

loss and any excess) we will keep all money left over.

If we have paid your total loss and you receive a payment

from someone else for that loss or damage, you must

pay us the amount of that payment up to the amount of

the claim we paid you.

How GST may aect your claim

If you are entitled to claim an input tax credit in respect

of a cost for which a claim is made, or would be entitled

to an input tax credit if you were to incur the relevant

cost (i.e. in replacing a lost or stolen item), the amount

we would otherwise pay will be reduced by the amount

of that input tax credit.

Fraud

When making a claim you have a responsibility to assist

us and to act in an honest and truthful manner.

If any claim is fraudulent in any way or if you or anyone

acting on your behalf uses fraudulent means to make

a claim on the cover described in this booklet, then no

payment will be made in regard to the claim. Also the

Bank will be informed of the situation and you may no

longer be eligible for the cover described in this booklet.

Complaints & Disputes

If you are dissatisfied with our service in any way, please

in accordance with our internal dispute resolution

procedures.

If we do not make a decision within the period that we

tell you we will respond, we will tell you about your right

to lodge a complaint with an external dispute resolution

scheme.

If you are not happy with our response, you can refer

your complaint to AFCA subject to its terms of reference.

AFCA provides a free and independent dispute resolution

service for consumers who have general insurance

disputes falling within its terms. AFCA’s contact details

are:

The Australian Financial Complaints Authority

Online: www.afca.org.au

Phone: 1800 931 678

Email: info@afca.org.au

Mail: GPO Box 3 Melbourne VIC 3001

For more information on how we handle complaints you

can request a copy of our procedures, using our contact

details on the inside front cover of this booklet.

General Insurance Code Of

Practice

The General Insurance Code of Practice was developed

by the Insurance Council of Australia to further raise

standards of practice and service across the insurance

industry. The Code Governance Committee (CGC) is an

independent body that monitors and enforces insurers’

compliance with the Code.

You can obtain more information on the Code of Practice

and how it assists you by contacting us. Contact details

are provided on the inside front cover of this booklet. For

more information on the Code Governance Committee

(CGC) go to www.insurancecode.org.au.

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Australian Credit Licence 230686 A121186-0923

For more information visit

nab.com.au

or call us on 13 22 65

Monday to Friday, 8am to 7pm (AEST/AEDT)

Saturday to Sunday, 9am to 6pm (AEST/AEDT)

or ask at your local branch

Help for people with hearing or

speech communication diiculties.

the National Relay Service.