WorldNomads.com Pty Limited | PH: +61 2 8263 0400 | EM: infoAUS@worldnomads.com | www.worldnomads.com

You should also read the Supplementary Product Disclosure Statement effective 4 February 2013, which amends the following Combined Financial Services Guide and Product Disclosure Statement including Policy Wording.


WorldNomads.com Australia

Combined Financial Services Guide and Product Disclosure Statement including Policy Wording

Effective 20 September 2012


Important notice for travellers who purchased this policy prior to 20 September 2012. Read more>


Financial Services Guide

This Financial Services Guide (FSG) has been designed to help you make an informed decision about whether to use the financial services provided by WorldNomads.com Pty Limited. It contains information on how they and others are remunerated for providing these financial services and how your complaints are dealt with.

A Product Disclosure Statement (PDS) is included with this FSG. The PDS is designed to provide important information on the significant features and benefits of the policy to assist you to make an informed decision on whether to buy this product.

About Cerberus Special Risks

Cerberus Special Risks Pty Ltd (Cerberus), ABN 81 115 932 173, AFS Licence No 308461 is an Australian Financial Services Licensee authorised to deal in and provide advice on general insurance products.

Cerberus has a binding agreement with certain Underwriters at Lloyd’s, which allows Cerberus to issue, vary and renew travel insurance, and to handle claims for them. When providing these services, Cerberus acts for the insurer and does not act on your behalf.

About World Nomads Travel Insurance

WorldNomads.com Pty Limited (World Nomads and WorldNomads.com), ABN 62 127 485 198, AR 343027 is an authorised representative of Cerberus. Cerberus has authorised WorldNomads.com Pty Limited to provide general advice on and deal in this travel insurance product on behalf of Cerberus as its authorised representative. WorldNomads.com also provides marketing, administration and distribution services on behalf of Cerberus.

WorldNomads.com Pty Limited acts on behalf of Cerberus and does not act on your behalf .

The distribution of this FSG has been authorised by Cerberus.

Remuneration

Cerberus is paid a commission by the insurer for arranging and m anaging travel insurance services on behalf of the insurer. This amount is calculated as a percentage of the gross premium you pay (i.e. the premium and taxes) for the policy. Employees of Cerberus receive an annual salary.

Cerberus pays a percentage of its commission to WorldNomads.com when you buy a policy. This is calculated as a percentage of the gross premium (i.e. the premium and taxes) you pay for the policy.

The employees and representatives of WorldNomads.com Pty Limited receive an annual salary including bonuses based on performance criteria, which can include sales performance.

If the insurer makes an underwriting profit in a given year, Cerberus can receive a profit commission based on the performance and profitability of all insurances placed by Cerberus.

WorldNomads.com may also work with affiliates who introduce or refer customers to WorldNomads.com. If you are referred to World Nomads by an affiliate, the affiliate who referred you is paid a referral fee from the commission that WorldNomads.com receives from Cerberus. The referral fee is calculated as a percentage of the gross premium when you buy a policy and is at no extra cost to you. Depending on certain eligibility criteria, an affiliate can receive additional benefits such as discounted travel insurance or marketing assistance from WorldNomads.com.

If you would like more information about the remuneration that WorldNomads.com Pty Limited receives, please call 1300 787 375. If you would like more details about the remuneration that Cerberus receives, please ring 1300 625 229. This request should be made within a reasonable period of time after this FSG is provided to you and before any financial services are provided by WorldNomads.com Pty Limited.

Professional Indemnity Insurance Arrangments

Cerberus has professional indemnity insurance arrangements that cover errors and mistakes relating to its insurance services. The policy meets the requirements of the Corporations Act and provides cover for claims relating to the conduct of Cerberus, WorldNomads.com and their employees, even after a person ceases to be employed or authorised by them, provided that the claim is notified to the professional indemnity insurer when it arises and within the relevant policy period.

If you have a complaint

If you have a complaint about the services provided to you by Cerberus or World Nomads, Cerberus has an internal dispute resolution process designed to resolve any complaints or disputes that may arise. You may call Cerberus or you may send your complaint to Cerberus in writing at the address shown below.

If you are still dissatisfied after discussing your complaint with Cerberus, you may contact the Financial Ombudsman Service Limited (FOS), which is an independent external dispute resolution body. For more information or on this process, please refer to “Important Matters, Dispute Resolution Process” in the Product Disclosure Statement. FOS can be contacted on 1300 78 08 08.

How to contact us

WorldNomads.com Pty Limited Cerberus Special Risks Pty Limited
Phone: (within Australia) 1300 787 375
(outside Australia) +61 2 8263 0400
Fax: (02) 8263 0444
Email: infoAUS@worldnomads.com
Post: PO Box H2, Australia Square NSW 1215
Phone: 1300 625 229
Fax: (02) 8263 0494
Website: www.cerberusspecialrisks.com.au
Post: PO Box A975, Sydney NSW 1235

Date prepared

This FSG was prepared on 20 September 2012. Its distribution has been authorised by Cerberus.

Product Disclosure Statement

About this document

A Product Disclosure Statement (PDS) is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy.

This PDS includes the cover available and the terms and conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs.

This PDS, together with the Certificate of Insurance and any written endorsements by us make up your contract with the insurer. Please retain these documents in a safe place.

Understanding this PDS and its important terms and conditions

To properly understand this PDS’s significant features, benefits and risks you need to carefully read:

Applying for cover

When you apply for the policy by completing our application, we will confirm with you things such as the period of insurance, your premium, and what cover options and excesses will apply.

These details are recorded in the Certificate of Insurance we issue to you.

This PDS sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.

If you have any queries or want further information about the policy, please contact WorldNomads.com Pty Limited.

About your premium and excess

You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of trip, and the number of persons covered.

Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts will be set out separately in your Certificate of Insurance as part of the total premium.

An excess of $100 applies to a claim under the policy. You can find more details in the policy wording.

About the insurers and WorldNomads.com

This insurance is underwritten by certain Underwriters at Lloyd’s (the insurers).

Cerberus Special Risks Pty Ltd (Cerberus) ABN 81 115 932 173 is an Australian Financial Services Licensee (no. 308461) authorised to deal in and provide general advice on insurance products. Cerberus, a coverholder at Lloyd’s, has been authorised by the insurer to act on its behalf in arranging, issuing, varying and cancelling insurance products, and handle and settle claims.

WorldNomads.com is an authorised representative of Cerberus. For details of how the providers of this insurance work together, the services they provide and their contact details, please read the Financial Services Guide.

The insurers are liable for the PDs section of this Combined FSG and PDS and Cerberus is liable for the FSG part.

Cooling-off period

Even after you have purchased your policy, you have cooling-off period rights (see "Important Matters" for details).

Updating the PDS

We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, we may issue you with notice of this information in other forms or keep an internal record of such changes (you can get a paper copy free of charge by calling us).

Date Prepared

This PDS is effective 20 September 2012.

Summary of Benefits

This is only a summary of benefits. Please read the policy wording for the full terms and conditions of the coverage offered, including any applicable exclusions, conditions and limitations to cover.

Medical Expenses Incurred Overseas

Medical, emergency dental, hospital and ambulance costs when agreed by us. Includes funeral expenses incurred overseas or repatriation of mortal remains.

Cancellation Costs

Financial loss due to unforeseen cancellation of prepaid travel and accommodation arrangements due to an insured event. Includes course fees not refunded as well as travel agency cancellation fees charged.

Medical Evacuation and Additional Expenses

Medical evacuation home or to the nearest appropriate medical facility. Cover is also provided for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to accidental injury, serious illness, death of you, any person with whom you are intending to travel, or of an immediate relative of yours.

Loss of Travel Documents

Additional travel and accommodation costs if you lose your passport and you need to travel to the nearest passport issuing office.

Standard Luggage and Personal Effects

Accidental loss, damage or theft of your luggage and personal effects. Includes emergency expenses if your luggage is delayed.

Specified Luggage and Personal Effects (Optional Benefit)

Increased cover for luggage and personal effects that you specify on your policy.

Personal Liability

Protection for you being legally liable for injuring other people or causing damage to their property, including legal defence costs.

Schedule of benefits

All amounts mentioned in this policy are in Australian dollars (AUD$)

This is a summary of benefits only. Please refer to the policy section for specific conditions of cover and a detailed explanation of what is not covered under each section. General Exclusions are also applicable to all sections of this policy, which you should be aware of.

SectionBenefitSingleFamilyExcess
Section 1: Medical Expenses Incurred Overseas
Emergency Dental
What’s not covered under this section
$5,000,000
$500
$10,000,000
$500
$100
$100
Section 2: Cancellation Costs
What’s not covered under this section
$10,000 $20,000 $100
Section 3: Medical Evacuation and Additional Expenses
What’s not covered under this section
$500,000 $1,000,000 $100
Section 4: Loss of Travel Documents
What’s not covered under this section
$1,000 $1,000 Not Applicable
Section 5: Standard Luggage and Personal Effects

Per Item Limit
Delayed Luggage
What’s not covered under this section
$2,500

$250
$200
$5,000

$250
$400
$100


Nil
Section 6: Specified Luggage and Personal Effects (Optional Benefit)
What’s not covered under this section
$3,000 $3,000 $100
Section 7: Personal Liability
What’s not covered under this section
$2,500,000 $5,000,000 $100

WORLD NOMADS TRAVEL INSURANCE POLICY WORDING

ABOUT THIS POLICY DOCUMENT

This is your policy wording. It sets out the cover available and the standard terms and conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs.

IMPORTANT MATTERS

Under your policy there are rights and responsibilities which you and we have. You must read this PDS in full for more details.

WHO CAN PURCHASE THIS POLICY

This policy is available to citizens or residents of Australia.

COOLING OFF PERIOD

If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and you will be given a full refund of the premium you paid, provided you have not started your trip or you do not want to make a claim or to exercise any other right under the policy.

After this period you can still cancel your policy but we will not refund any part of your premium if you do.

CONFIRMATION OF COVER

To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), please call World Nomads on 1300 787 375.

YOUR DUTY OF DISCLOSURE

Before you enter into this policy, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy. You will be asked various questions when you first apply for your policy.

When you answer these questions, you must:

If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which:

You do not need to tell us about any matter that:

WHO DOES THE DUTY APPLY TO?

Everyone who is insured under the policy must comply with the duty of disclosure. When answering our duty of disclosure questions, the information must be provided for everyone who is to be insured under the policy.

WHAT HAPPENS IF YOU OR THEY BREACH THE DUTY?

If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.

GENERAL INSURANCE CODE OF PRACTICE

The Insurance Council of Australia Limited has developed the General Insurance Code of Practice (the Code), which is a self-regulatory code for insurers to adopt. Cerberus proudly supports the Code and embraces its objectives of raising the standards of practice and service in the insurance industry. You can obtain a copy of the Code from www.codeofpractice.com.au

DISPUTE RESOLUTION PROCESS

Should you have a complaint or dispute arising out of this insurance, please contact Cerberus on 1300 625 229. Cerberus will respond to your complaint within 15 business days, provided it receive all necessary information and have completed any investigation required. If Cerberus need more time, Cerberus will inform you and agree on a reasonable alternative timeframe.

If you are not satisfied with the response from Cerberus, you may refer your case to Lloyd’s General Representative in Australia for consideration. If you are still not satisfied with the outcome and you purchased a policy in Australia, you may then request the matter be reviewed by the Financial Ombudsman Service Ltd (FOS): an independent body that operates nationally in Australia and aims to resolve certain insurance disputes. This service is free of charge to customers. Please note that you must register your dispute with the FOS within 2 years of receiving a decision from our internal dispute resolution team.

Lloyd’s General Representative in Australia Financial Ombudsman Service Ltd
Suite 2, Level 21, Angel Pl, 123 Pitt St
Sydney NSW 2000
Phone: (02) 9223 1433
 
 
GPO Box 3, Melbourne VIC 3001
Phone: 1300 780 808 (National Toll Free)
Fax: (03) 9613 6399
Email: info@fos.org.au
Website: www.fos.org.au

The Underwriters accepting this Insurance agree that:

  1. if a dispute arises under this Insurance, this Insurance will be subject to Australian law and practice and the Underwriters will submit to the jurisdiction of any competent Court in the Commonwealth of Australia;
  2. any summons notice or process to be served upon the Underwriters may be served upon:
  3. Sportscover Syndicate 3334
    Suite 2, Level 21
    Angel Place
    123 Pitt Street
    Sydney NSW 2000

    who has authority to accept service and to appear on the Underwriters’ behalf;

  4. if a suit is instituted against any of the Underwriters, all Underwriters participating in this Insurance will abide by the final decision of such Court or any competent Appellate Court.

PRIVACY NOTICE

To arrange and manage your travel insurance, we (in this Privacy Notice "we", "our" and "us" includes Cerberus and WorldNomads.com Pty Limited) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary). Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third party and for any other purposes with your consent.

This personal information may be disclosed to (and received from) third parties in Australia or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.

When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:

We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information.

You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependents under 16 years.

If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why.

EXCESS

We will not pay the first $100 (the excess) for any one event unless specified otherwise. We do not offer the option to remove or buy-out the excess, even for an additional premium.

24 HOUR WORLDWIDE EMERGENCY ASSISTANCE

For emergency assistance anywhere in the world at any time, Specialty Assist is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates as well as keeping you in touch with your family in an emergency.

Specialty Assist will direct you to the appropriate hospital or heath care facility. Subject to medical advice, you must take our advice as to where you can be treated to ensure you receive quality medical care . We also have the option of returning you to Australia or evacuating you to another country, if the cost of your overseas medical expenses could exceed the cost of returning you to Australia.

If you are injured or become ill and need to be hospitalised you, or a member of your travelling party, MUST contact Specialty Assist immediately.

If you are not hospitalised but you are being treated as an outpatient, and the total cost of such treatment will exceed $2,000, you MUST contact Specialty Assist immediately.

If you do not contact Specialty Assist immediately, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us (see Sections 1 and 3).

In the event of an emergency call +61 2 8263 0470 or +61 2 8292 1470 (while overseas) or 1800 611 210 (while in Australia) to contact Specialty Assist.

JURISDICTION AND CHOICE OF LAW

This policy is governed by and construed in accordance with the law of New South Wales, Australia and you agree to submit to the exclusive jurisdiction of the courts of New South Wales. You agree that it is your intention that this "Jurisdiction and Choice of Law" clause applies.

PERIOD OF COVER

You are not covered until we issue a Certificate of Insurance. That Certificate forms part of the policy. The period you are insured for is set out in the Certificate.

However:

  1. The cover for Cancellation Costs begins from the time the policy is issued.
  2. Cover for all other Sections begins on the date of departure as stated on the Certificate of Insurance. Cover ends on the date of return set out on your Certificate of Insurance.
  3. If cover is taken out after you have left home to commence your trip, there is a waiting period of 3 days before the insurance takes effect. In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party.
  4. If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to recommence your trip, you can do so under the same policy. All cover is suspended under this policy while you are in Australia.

EXTENSION OF YOUR POLICY

You may extend your policy if you find that your return to Australia has been delayed because of one or more of the following:

  1. If a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage, is delayed; or
  2. If the delay is due to a reason for which you can claim under this policy, cover will be extended free of charge subject to our approval. To contact us for approval: +61 2 8263 0400
  3. If the delay is for any other reason, you must request the extension at least 7 days before your original policy expires and we must agree to this.

You may extend your policy if you decide to continue your journey by signing in to your World Nomads member’s page and purchasing cover.

An extension of cover is not available for:

You may not extend your policy if your policy has expired.

You may not extend your policy or purchase a new policy if you have a finalised personal effects claim of $2,500 or more.

PRE-EXISTING MEDICAL CONDITIONS COVER

This policy provides cover for unforeseen medical events only. No pre-existing medical conditions are covered. You are not covered for any claim that you make that relates to a pre-existing medical condition.

A Pre-existing Medical Condition means :

  1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist; or
  6. Pregnancy.

Please note: This definition applies to you, your travelling companion, a relative or any other person.

SAFEGUARDING YOUR LUGGAGE AND PERSONAL EFFECTS

You must take all reasonable precautions to safeguard your luggage and personal effects. If you leave your luggage and personal effects unsupervised in a public place we will not pay your claim. (For an explanation of what we mean by "luggage and personal effects", "unsupervised" and "public place" see our "Definitions" below).

Definitions

Some words in this PDS and policy wording that have special meanings are defined here.

Acceptable proof of ownership means a certified copy of an original receipt from the supplier, if the item was a gift, a letter from the donor confirming the purchase details, bank or credit card statements relating to the purchase, instruction booklets or official guarantee certificates, photographs that may show items (in conjunction with the aforementioned).

Accident means an unexpected, unintended, unforeseeable event causing injury. The accident must happen while you are on a trip and covered under the policy.

Amount payable means the total amount payable for the policy in accordance with the rates set out in the Schedule of Benefits. It includes administration fees payable to the agent, stamp duty, policy issue fee, GST if applicable and the premium payable to the insurer.

Carrier or Carriers means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purpose of transporting passengers. This definition excludes taxis.

Cash or cash equivalent means cash, any legal currency, travellers’ cheques, cheques, postal and money orders and passport held by you for social domestic and/or pleasure purposes.

Change of mind means being unwilling or reluctant or no longer inclined to continue any part of your trip.

Dependent(s) means your children or grandchildren not in full time employment who are under the age of 21 and are travelling with you on the trip.

Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

Expert witness means a person who testifies in a court of law because they have specialist knowledge in a particular field or area of expertise, entitling that person to testify about their opinion on the meaning of facts.

Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

Family means you and your travelling companion named in the Certificate of Insurance and your dependent(s), at the date of policy issue, travelling with you, listed as covered on your Certificate of Insurance.

Home means your country of permanent residence, being Australia.

Injury means a bodily injury caused solely and directly by violent, accidental, visible and external means, during your period of cover and which does not result from any illness, sickness or disease.

Insolvency means bankruptcy, provisional liquidation, liquidation, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

Luggage and personal effects means any personal items owned by you and that you take with you or buy on your trip and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.

Medical practitioner means a registered practising member of the medical profession who is not travelling with you, who is not related to you or to any person with whom you are travelling or intending to stay with.

Overseas means in any country other than Australia.

Pandemic means a form of an epidemic that extends throughout an entire continent, even the entire human race.

Pre-existing Medical Condition means:

  1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist; or
  6. Pregnancy.

This definition applies to you, your travelling party, a relative or any other person.

Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.

Reasonable means for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your trip or, as determined by us.

Reasonable care means the care that a reasonable person would exercise under the circumstances. Failure to use reasonable care may result in your claim being reduced or not covered by this policy.

Redundancy means any person being declared redundant, who is under the normal retiring age for someone holding that person’s position, and who has been employed for at least 2 continuous years with the same employer at the time of being made redundant.

Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or a member of your travelling party’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter- in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.

Single means covering you and your dependent(s), at the date of policy issue travelling with you listed as covered on your Certificate of Insurance.

Sudden Illness or Serious Injury means a condition which first occurs during your period of cover and which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to whom this insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue with your original trip.

Travelling Party means those people defined in family and any travelling companion who has made arrangements to accompany you for at least 50% of the trip.

Trip means the period of travel stated in the Certificate of Insurance. It begins on the date of departure as stated in the Certificate of Insurance and ends when you return to Australia.

Unsupervised means:

We, Our, Us, means certain Underwriters at Lloyd’s who will deal with you through their agent, Cerberus Special Risks Pty Ltd.

Work means any work, including work placements, incidental work and work experience, paid or unpaid.

You, Your or Yourself means the person or people named in the Certificate of Insurance as well as their accompanying dependent(s) at the date of policy issue.

General Exclusions Applicable to all Sections

We will not pay for any of the following claims or losses:

  1. Any losses incurred within Australia unless otherwise stated.
  2. A loss which is recoverable by compensation under any workers compensation act or transport accident laws or by any Government sponsored fund, plan, or medical benefit scheme, or any other similar type of legislation required to be effected by or under a law.
  3. A loss arising from the failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their insolvency or the insolvency of any person, company or organisation they deal with.
  4. Consequential loss of any nature including loss of enjoyment.
  5. A loss resulting from a criminal or dishonest act by you or by a person with whom you are in collusion or if you have not been honest and frank with all answers, statements and submissions made in connection with your insurance application or claim.
  6. A loss that arises from any act of war (whether war is declared or not) or from any rebellion, revolution, insurrection or taking of power by the military.
  7. A loss that arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.
  8. A loss that arises from biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear.
  9. Your claim arises from errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents.
  10. Your claim arises because you did not follow advice in the mass media of a government or other official body’s warning:
    • against travel to a particular country or parts of a country;
    • of a strike, riot, bad weather, civil commotion or contagious disease;
    • of a likely or actual epidemic or pandemic (such as H5N1 Avian influenza);
    • of a threat of an epidemic or pandemic (such as H5N1 Avian influenza) that requires the closure of a country’s borders; or
    • of an epidemic or pandemic that results in you being quarantined and you did not take the appropriate action to avoid or minimise any potential claim under your policy (including delay of travel referred to in the warning). Please refer to www.who.int for further information.
  11. A loss that arises from parachuting, sky diving, hang gliding, parapenting or travel in an air supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This does not apply to hot air ballooning or parasailing.
  12. Ongoing payments under Section 1 (Medical Expenses Incurred Overseas) if we decide on the advice of a doctor appointed by us that you are capable of being repatriated to Australia.
  13. A loss, or theft of, or damage to:
    1. cash or cash equivalents including cheques or any other negotiable instruments
    2. unsupervised luggage and personal effects;
    3. property that you leave unsupervised in a public place or loss that occurs because you do not take reasonable care to protect the property ;
    4. luggage and personal effects, but only to the extent that you are entitled to compensation from the carrier responsible for the lost, theft or damage;
    5. a video camera, mobile telephone, photographic equipment, personal computer or jewellery left unsupervised by you in a motor vehicle;
    6. a video camera, mobile telephone, photographic equipment, personal computer or jewellery checked in to be held and transported in the cargo hold of any carrier (including any loss from the point of check-in until receipt of the said goods);
    7. items from an unsupervised motor vehicle, unless taken from a locked boot or locked concealed luggage compartment of a sedan, station wagon, hatchback, van or motor home, between 9pm and 9am local time and there is evidence of damage or forced entry which is confirmed by a police report; or
    8. luggage and personal effects which is fragile, brittle or an electronic component is broken or scratched – unless either:
      1. it is the lens of spectacles, binoculars, photographic or video equipment; or
      2. the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.
  14. For loss, theft or damage which is not reported and a written report is not obtained within 24 hours of discovery from the police or the appropriate authority such as - but not limited to - the airline, accommodation manager, transport provider, airport authority, tour operator or guide.
  15. Your claim arises from pre-existing medical conditions.
  16. Your claim arises out of pregnancy, childbirth or related complications.
  17. Loss, wear and tear or depreciation of property or damage caused by the action of insects, vermin, mildew, rust or corrosion.
  18. A loss arising from mechanical, electrical breakdown or a malfunction.
  19. A loss arising from your, any of your travelling party or a relative’s intentional exposure to a needless risk or lack of reasonable care, except in an attempt to save human life.
  20. Delay, detention, seizure or confiscation by Customs or other officials.
  21. The cost of medication in use at the time the trip began or for maintaining a course of treatment you were on prior to the trip.
  22. Loss, theft or damage to anything shipped as freight or under a Bill of Lading.
  23. If your claim arises directly or indirectly from a sexually transmitted disease.
  24. If your claim arises from or is any way related to depression, anxiety, stress, mental or nervous conditions.

    Nor will we pay any claim:

  25. If you, a relative or a member of your travelling party:
    1. commits suicide, attempts to commit suicide or deliberately injures himself or herself;
    2. is under the influence of, or is addicted to, intoxicating liquor or a drug, except a drug taken in accordance with the advice of a registered medical practitioner;
    3. takes part in a riot or civil commotion;
    4. acts maliciously;
    5. races (except on foot); mountaineers – or rock climbs – using support ropes; or takes part in a professional sporting activity;
    6. rides a motor cycle (except as a pillion passenger) without a licence that is valid in the relevant country; or
    7. dives underwater using an artificial breathing apparatus unless you hold an open water diving licence or you were diving under licensed instruction.
  26. For any costs or expenses incurred outside the period of the trip except as described under Section 2: Cancellation Costs.

CLAIMS CONDITIONS

  1. In the event of a claim you must:
    1. contact Specialty Assist on +61 2 8263 0470 or +61 2 8292 1470 (while overseas) or 1800 611 210 (while in Australia) as soon as you are admitted to hospital or you anticipate your medical expenses are likely to exceed $2,000;
    2. collect a written medical report/summary from a treating doctor which explains the diagnosis provided, medical tests requested and treatment given.
    3. give us written notice immediately of an event that may result in a claim;
    4. you must give us, if requested by us, any information we ask for to support your claim, in such form as advised by us including police reports, valuations, medical reports/certificates, original receipts or proof of ownership;
    5. give us your Certificate of Insurance and any information that we reasonably ask for;
    6. not make any promise or offer of payment, or admit fault to anyone, or become involved in any litigation, without our consent; and
    7. you must take all reasonable steps to prevent or minimise a claim.
  2. Once the Certificate of Insurance has been issued you are not entitled to a refund of any part of the amount payable except as provided for under the Cooling-Off Period section.

Your Policy Cover

SECTION 1 Medical Expenses Incurred Overseas

NOTE: This is not a private health insurance policy. It only covers you if there is a sudden and unexpected accident or if you become ill during your trip.

If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, Specialty Assist must be notified immediately.

If cover is confirmed, they will deal direct with the hospital and arrange the payment of any bills. Repatriation will be available where deemed medically necessary and approved by Specialty Assist.

You must maintain contact with Specialty Assist until your return home or until you no longer require treatment or assistance.

If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed $2,000 you must refer to Specialty Assist for authorisation.

Where your out-patient costs are less than $2,000, it may be easier to pay any bills yourself. Keep all receipts and submit a claim when you return home. If you are in any doubt, call Specialty Assist for help.

24 hour Emergency Medical Assistance telephone number: +61 2 8263 0470 or +61 2 8292 1470 (while overseas) or 1800 611 210 (while in Australia).

Covered

You are covered up to the limit as shown on the Schedule of Benefits for costs incurred outside Australia for:

  1. emergency medical and surgical treatment and hospital charges;
  2. emergency dental treatment, to relieve pain only to sound and natural teeth, limited to the amount shown on the Schedule of Benefits;
  3. reasonable and necessary additional accommodation (room only) and travelling expenses to Australia (Economy Class), including those of one relative or friend if you have to be accompanied to Australia on the advice of the attending medical practitioner or if you are a child and require an escort to Australia;
  4. in the event of death, reasonable cost for the conveyance of your body or ashes to Australia (the cost of burial or cremation is not included), or local funeral expenses incurred overseas limited to $12,000.

Not Covered

  1. the policy excess shown on the Schedule of Benefits. This applies to each person making a claim;
  2. any sums which can be recovered from another source or which are covered under any reciprocal health arrangement;
  3. any expenses or fees, for in-patient treatment or returning home early, which have not been reported to and authorised by Specialty Assist;
  4. costs of more than $2,000 which have not been agreed upon and authorised by Specialty Assist beforehand;
  5. any expenses incurred for illness, injury or treatment required as a consequence of:
    1. surgery or medical treatment which in the opinion of the attending medical practitioner and Specialty Assist can be reasonably delayed until your return home;
    2. medication and or treatment which at the time of departure or date of purchase of your policy, whichever is the later, is known to be required or to be continued during your trip;
    3. undertaking an activity against the advice of a medical practitioner;
    4. any pre-existing medical condition;
  6. the cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests, treatment or surgery which are not directly related to the injury, which necessitated your admittance to hospital;
  7. claims that are not confirmed as medically necessary by the attending medical practitioner or Specialty Assist;
  8. any additional hospital costs arising from single or private room accommodation unless medically necessary;
  9. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
  10. any costs incurred within Australia or after you have returned home.
  11. further costs you incur if we wish to bring you back to Australia early but you refuse (where in the opinion of the treating medical practitioner and Specialty Assist you are fit to travel);
  12. anything mentioned in the General Exclusions.

The total limit of cover for this benefit is $5,000,000 on a single policy

The total limit of cover for this benefit is $10,000,000 on a family policy

Section 2 Cancellation Costs

Covered

You are covered up to the limits as shown on the Schedule of Benefits for loss of travel, accommodation expenses and tuition/course fees, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of a change of mind to begin your trip as arranged) due to any cause listed below occurring during the period of insurance:

  1. injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours;
  2. you being called for jury service, attending court as a witness (but not as an expert witness), or redundancy (for you or for any person with whom you had arranged to travel);
  3. your home or place of business being made uninhabitable, within 14 days of travel, or the police asking to see you after theft from your home which occurred within 14 days of travel.
Not Covered
  1. the policy excess shown on the Schedule of Benefits of any incident. This applies to each person making a claim;
  2. medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary;
  3. additional costs as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;
  4. any costs recoverable from another source;
  5. anything caused directly or indirectly by prohibitive regulations by the Government of any country;
  6. any pre-existing medical condition;
  7. any costs incurred on behalf of other travelling party members who are not specified on the Certificate of Insurance;
  8. delays, rescheduling or cancellation of scheduled transport services caused by the carrier;
  9. a loss that arises directly or indirectly from an act or threat of terrorism. This exclusion only relates to Section 2 Cancellation Costs
  10. anything mentioned in the General Exclusions.

The total limit of cover for this benefit is $10,000 on a single policy

The total limit of cover for this benefit is $20,000 on a family policy

Section 3 Medical Evacuation and Additional Expenses

This section includes the services of Specialty Assist, who must be contacted immediately in the event of a serious injury, illness or hospitalisation, or where repatriation has to be considered.

The 24 hour Emergency Medical Assistance telephone number is: +61 2 8263 0470 or +61 2 8292 1470 or 1800 611 210 (while in Australia)

Covered

You are covered up to the limits as shown on the Schedule of Benefits for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your return to your home, which have not been used and which were paid before your departure from your home.

You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to accidental injury, serious illness, death of you, any person with whom you are intending to travel, or of a relative of yours.

If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to recommence your trip, you can do so under the same policy. All cover under the policy is suspended while you are in Australia.

Conditions

  1. you must contact Specialty Assist for assistance/advice if you need to cut short your trip for an insured reason.
  2. you must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
  3. if you require Specialty Assist to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of our cover.
  4. if you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.
  5. this policy does not provide compensation for loss of holiday/enjoyment.

Not Covered

  1. the policy excess shown on the Schedule of Benefits . This applies to each person making a claim;
  2. claims that are not confirmed as medically necessary by Specialty Assist, and where a medical certificate has not been obtained from the attending medical practitioner overseas confirming it necessary to interrupt the trip;
  3. additional travelling expenses incurred which are not authorised by Specialty Assist;
  4. unused prepaid travel tickets where repatriation has been arranged by Specialty Assist;
  5. any pre-existing medical condition;
  6. any costs incurred more than 12 months after the trip was interrupted;
  7. anything mentioned in the General Exclusions.

NOTE: It is a requirement of this insurance that you contact Specialty Assist immediately if you wish to return home for any of the reasons listed above or by any method other than as originally planned. Failure to do so may result in the reduction or refusal of any claim.

Section 4 Loss of Travel Documents

Covered

You are covered up to the limit as shown on the Schedule of Benefits for reasonable additional travel or accommodation expenses you have to pay whilst overseas, over and above any payment which you would normally have made during the trip if no loss had been incurred, as a result of you needing to replace a lost or stolen passport/travel documents.

You are covered for the equivalent value of the remaining period of your passport if it is lost or stolen on your trip.

Conditions

You must provide receipts for all costs incurred.

You must take reasonable care in supervision of your travel documents.

Not Covered

  1. the policy excess shown on the Schedule of Benefits of any incident. This applies to each insured person involved in the incident causing the claim;
  2. any costs that you would have incurred had you not lost your passport or travel documents;
  3. if you do not exercise reasonable care for the safety or supervision of your passport/travel documents;
  4. your passport / travel documents left unsupervised at any time (including in a vehicle or in the custody of carriers) unless they are with you on your person or locked in a safe or safety deposit box;
  5. if you do not obtain a written police report within 24 hours of the loss;
  6. loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities;
  7. Anything mentioned in the General Exclusions.

The total limit of cover for this benefit is $1,000 on a single policy

The total limit of cover for this benefit is $1,000 on a family policy

Section 5 Standard Luggage and Personal Effects

Covered

  1. Luggage and Personal Effects

    You are covered up to the limit on the Schedule of Benefits for the value or repair to any of your luggage and personal effects (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:

    1. the single item limit as shown on your Schedule of Benefits for any one item, pair or set of items (for example, but not limited to: a camera, lenses attached or not, tripod and accessories or a matching pair of earrings are considered as only one item for this purpose) unless items are specifically shown on your Certificate of Insurance;
    2. the limit as shown on your Schedule of Benefits for all items in total unless items are specifically shown on your Certificate of Insurance.
  2. Delayed Luggage

    You are covered up to the limit on the Schedule of Benefits for the cost of buying replacement necessities if your personal luggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim. No excess is payable for this benefit.

Conditions

  1. any amount we pay you under a Delayed Luggage claim will be deducted from the final claim settlement if your luggage is permanently lost.
  2. you must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the luggage. Failure to do so may result in your claim being declined.
  3. in the event of a claim for damaged items, proof of the damage must be supplied.
  4. in the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
  5. if the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.

Total single per item limit $250 with an overall limit of $2,500

Total family per item limit $250 with an overall limit of $5,000

Section 6 Specified Luggage & Personal Effects

Weallow you to specify items on your policy (excluding jewellery) up to a single item limit of $1,000 with a combined specified item limit of $3,000.

When selected this benefit replaces the standard item cover and overall limit for the named specified item. Note the first $250 is automatically included.

Specifying an item will incur an additional premium calculated on the value you nominate for the specified item up to $1,000 per item, as calculated in the table below.

Duration Additional Cost
Up to 3 months 5%
4 to 6 months 6%
7 to 9 months 7%
10 to 12 months 8%
Over 13 months 10%

Example

Total single per item limit $1,000 with an overall limit of $3,000

Total family per item limit $1,000 with an overall limit of $3,000

Not Covered Section 5 & 6

  1. the policy excess shown on the Schedule of Benefits. This applies to each person making a claim, per incident;
  2. if you do not exercise reasonable care for the safety and supervision of your personal luggage;
  3. any item, pair or set of items with a value of over $100, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim;
  4. in the event of a claim for damaged items, proof of the damage must be supplied. The damaged articles must be retained by you and if requested, submitted to the claims handlers so as to substantiate a claim. Failure to do so may result in a claim being declined.
  5. if your luggage and personal effects are lost, damaged or delayed in transit and you do not:
    1. notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carrier’s report (or Property Irregularity Report in the case of an airline); or
    2. follow up in writing within 7 days to obtain a written carrier’s report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately.
  6. loss, destruction, damage or theft of the following property:
    1. contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses;
    2. antiques, precious stones that are not set in jewellery, glass or china, pictures, musical instruments;
    3. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
    4. tools of trade;
    5. perishable items such as food;
    6. items specifically shown on your Certificate of Insurance left unsupervised at any time (including in a vehicle or in the custody of carriers) unless they are with you or locked in a safe or safety deposit box;
    7. cash or cash equivalent
  7. loss, destruction, damage or theft:
    1. due to confiscation or detention by customs or other officials or authorities;
    2. due to wear and tear, denting or scratching, moth or vermin;
    3. transportation by any postal or freight service, or if sent under an air-way bill or Bill of Lading.
  8. mechanical breakdown or derangement, for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessels, aircraft or vehicle in which they are being carried.
  9. luggage and personal effects stolen from:
    1. an unsupervised vehicle unless it was in the locked glove compartment or rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle and there is evidence of forcible and violent entry;
    2. an unsupervised vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am.
  10. any shortage due to error, omission or depreciation in value;
  11. any property more specifically insured or recoverable under any other source;
  12. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
  13. sports or activity equipment whilst in use;
  14. anything mentioned in the General Exclusions.

Section 7 Personal Liability

NOTE: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance.

Covered

You are covered up to the limit as shown on the Schedule of Benefits, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of:

  1. accidental bodily injury to a person who is not a member of your family or household or employed by you or a travelling companion;
  2. loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of your family, household or employee;
  3. loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.

NOTE: We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.

Not Covered

  1. the policy excess shown on the Schedule of Benefits of any incident. This applies to each person making a claim;
  2. fines imposed by a Court of Law or other relevant bodies;
  3. anything caused directly or indirectly by:
    1. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
    2. injury, loss or damage arising from:
      1. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses) or firearms or any weapons
      2. the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings
      3. the carrying out of any work, trade or profession
      4. racing of any kind
      5. any deliberate act
      6. suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone’s life);
      7. anxiety, depression or any psychotic mental illness;
  4. Liability covered under any other insurance.
  5. anything mentioned in the General Exclusions.

The total limit of cover for this benefit is $2,500,000 on a single policy

The total limit of cover for this benefit is $5,000,000 on a family policy

Claims

How to make a claim

You must give us notice of your claim immediately by submitting an online claim via your World Nomads member’s page or by completing the claim form found within your World Nomads member’s page and posting to the address shown below.

In the event of a claim notice should be provided immediately to:
World Nomads Insurance Claims
PO Box A975, Sydney NSW 1235 Australia
Phone: 1300 625 229 while in Australia or +61 2 8263 0487 while overseas

Your claim will be processed within 10 business days of us receiving a completed claim form and all necessary documentation.If we need additional information, a written request will be sent to you within 10 business days.

If the claim form is not fully completed by you, we cannot process your claim.

If you do not advise us promptly of the full details of your claim, we can reduce your claim by the amount of prejudice we have suffered because of the delay.

You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership.

You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require.

  1. For medical, hospital or dental claims, contact Specialty Assist immediately.
  2. For damage or permanent loss of your luggage and personal effects, report it immediately to the police and obtain a written notice of your report.
  3. For damage or misplacement of your luggage and personal effects, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make.
  4. Submit full details of any claim in writing within 30 days of your return.

Claims are payable in Australian dollars to you

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.

You must not admit fault or liability

In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval.

You must help us to recover any money we have paid

We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy.

If you can claim from anyone else, we will only make up the difference

If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other insurer. You must give us any information we reasonably ask for to help us make a claim from your other insurer.

Recovery

We will apply any money we recover from someone else under a right of subrogation in the following order:

  1. To us, our administration and legal costs arising from the recovery.
  2. To us, an amount equal to the amount that we paid to you under the policy.
  3. To you, your uninsured loss (less your excess).
  4. To you, your excess.

Once we pay your total loss 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.

If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.

Depreciation

Depreciation will be applied to claims for luggage and personal effects at such rates as reasonably determined by Cerberus.

Business travellers – How GST affects 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

Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. You can help by reporting insurance fraud. All information will be treated as confidential and protected to the full extent under law. Report insurance fraud by calling Cerberus on 1300 625 229.

IN CASE OF EMERGENCY

Emergency Telephone Number

For emergency assistance from anywhere in the world, simply dial the following number reverse charge (collect) via the local operator: +61 2 8263 0470 or +61 2 8292 1470 (while overseas) or 1800 611 210 (while in Australia)

Important notice for travellers who purchased this policy prior to 20 September 2012

On 20 September 2012, Cerberus updated various parts of this Combined FSG and PDS including the Policy Wording in accordance with the General Insurance Code of Practice and the Insurance Contracts Act 1984. The coverage, as explained in the PDS and Policy Wording, has not changed from the previous version effective 1 December 2009.