QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence No 239545 82 is the insurer of this product.
QBE Insurance (Australia) Limited is a member of the QBE Insurance Group (ASX QBE).
QBE Insurance Group is Australia's largest international general insurer and reinsurance group, and one of the top 25 insurers and reinsurers worldwide.
The company has been operating in Australia since 1886. QBE is a household name in Australian insurance, backed by sizeable assets and well known as a strong and financially secure organisation.
QBE is exempt from the requirement to hold Professional Indemnity Insurance as QBE are regulated by the Australian Prudential Regulation Authority (APRA). These compensation arrangements comply with ASIC's requirements. If you require further information in relation to these arrangements, please contact QBE.

QBE Offer You a Choice.

This travel insurance product offers you a choice of travel insurance options: It is up to you to choose the cover you need. The PDS is designed to assist you in your decision to purchase travel insurance. It contains information about key benefits and significant features. The advice in this document is of a general nature only and has not considered your objectives, financial situation or needs. The booklet contains the following sections which provide:

Part 1 - Information about this travel insurance product (Product Disclosure Statement - PDS)

Part 2 - The detailed terms and conditions (Policy Wording)

It is important that you read your policy carefully, and keep the booklet in a safe place for future reference.

If you have any queries, contact the representative on the address detailed on the back of the PDS, or on the Internet site or emailed with this document.

You should read the Product Disclosure Statement including; Duty Of Disclosure, Privacy Policy and Dispute Resolution The Policy Wording (part 2 of the booklet) for detailed information about the benefits, exclusions and circumstances . If you ever have a complaint, you should refer the matter to QBE, using the contact details in the Product Disclosure Statement. QBE has procedures in place to help resolve any issues you may have.

The representive's name and contact details can be found on the web site from which you obtained the PDS or should be given to you with the document if it has been emailed to you.
They can directly issue or vary QBE travel insurance as the distributor in accordance with the QBE underwriting guidelines. In some cases the distributor may need to arrange for QBE to do this if they are not able to act under the underwriting guidelines.
QBE as the insurer of the product and the distributor as our agent, does not act on your behalf. The employee of the distributor who provided you with this FSG is authorised by the distributor to act on their behalf in providing the services they are authorised to provide for QBE
The distributor and their employees do not have any authority to give you any advice (i.e. recommendation or opinion about the financial product). They can provide you with factual information on the product to help you decide if it is right for you. The choice is yours.

Our representative receives commission from us which is a percentage of the total premium paid by you to QBE for the product. The commission is paid monthly by QBE based on policies issued.

(For example; because an exclusion applies). You should therefore read the PDS and Policy Wording carefully. Please ask your representative or QBE if you are unsure about any aspect of the policy

You need to make sure the limits of cover are approcriate for your needs. Otherside you may be under insuraed and have to bear part of any loss that exceeds the limits yourself. Please refer to the applicable limits as set out in the Schedule of Benefits and the Policy Wording.

There is no cover under this policy for luggage and personal effects that are left unattended. please refer to the definition of unattended in the Policy wording and 'What is covered?' under Section F1 'Luggage and persona effects'.

There is no cover for any medical, dental or ancillary costs incurred within Australia unlesss you have purchased the Australian Travel Plan with the Cruising cover then, cover is provided for emergency medical treatment reqired onboard a cruise ship within Australian waters. Refer to Section B1 'Medical and dental expenses' in the Policy wording.