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QBE International & QBE Elements Travel Plans

QBE Travel Insurance provides cover for medical assistance,
medical and non-medical evacuation and repatriation, luggage and personal effects, vehicle rental excess, cancellation or holiday deferment costs,
personal liability and legal expenses.
Smart travellers purchase travel insurance to protect against the financial costs resulting from any number of unfortunate incidents, sickness or injury that may occur away from home.
QBE OMEGA ...Travellers Assistance 24 hours a day, 7 days a week
in the event of an accident, illness or emergency while travelling.
When you are choosing your insurance provider, be sure that you have everything in writing to state what you are covered for.

QBE INTERNATIONAL TRAVEL PLANS only
	'FREE' CRUISING COVER FOR BOAT AND YACHT CHARTERS and 'FREE' SNOW SPORTS COVER IN NEW ZEALAND

Travel Insurance

formerly Toursafe Travel Insurance from QBE

Quote & Buy

SAVE 30% discount on your total premium Including any additional benefits or service fees.
This applies to all Travel Plans

Compare the Benefits & Limits for all QBE Travel Plans
	International Schedule of Benefits
	Elements Schedule of Benefits

	Annual Multi Trip, International and Australian Brochure
	Elements and Inbound Brochure
	Cruise SPDS

QBE International and QBE Elements - Travel Plan Regions

REGION 1...Cover for the USA, Canada, South and Central America and Antarctica
(Travellers must select this Region 1 travel plan if they are spending more than 72 hours of their trip in these destinations)

REGION 2.. Cover for Africa,
Region 2 travel plan is not available if more than 72 hours of the trip is spent in Region 1 destinations

REGION 3...Cover for Europe and the Middle East
Region 3 travel plan is not available if more than 72 hours of the trip is spent in Region 1 destinations or the majority of the trip is spent in Region 2 destinations

REGION 4...Cover for Asia, China, Japan and Indian Subcontinent
Region 4 travel plan is not available if any of the trip is spent in Region 1, 2, or 3 destinations

REGION 5... Cover for UK and Ireland
Region 5 travel plan is not available if any of the trip is spent in Region 1, 2, 3 or 4 destinations

REGION 6... Cover forSouth Pacific Islands and Norfolk Island.
Region 6 travel plan is not available if any of the trip is spent in Region 1, 2, 3, 4, or 5 destinations

REGION 7... Cover for New Zealand only.
Region E travel plan is not available if any of the trip is spent in Region 1, 2, 3, 4, 5, ot 6 destinations

QBE International Travel Insurance Plans

The QBE International premium amount is payable Per Adult 'CHILDREN FREE" (Includes any accompanying financially dependant child or children, stepchild or stepchildren, grandchild or grandchildren, nieces and nephews, under 25 years of age at the time the Certificate of Insurance is to be issued are covered at no additional cost)

Guidelines

The premium payable for your travel insurance dependson a range of facftors including your destination. You must purchase the International Travel Plan based on your destination. If you are cruising for more than 4 consecutive days you must select the cruising cover addition otherwise you will not be covered.

The Certificate of Insurance must be issued prior to the commencement of your trip. Insurance is not available to travellers outside Australia.

Any Existing Medical Condition (other than those conditions on the automatic approval list) must be disclosed and approved by QBE prior to the issue of the Certificate of Insurance.

If you are a resident of Australia aged 70 years or over... You must apply for existing medical conditions cover regardless of your state of health, and cover must be approved by QBE in writing prior to the issue of a Certificate of Insurance.
Application for cover is available online when quoting and, one travellers medical appraisal form per applicant, needs to be completed and submitted for review by QBE.

This policy is not available to non residents of Australia aged 60 years of age or over at the time the Certificate of Insurance is to be issued.

It is up to you to choose your excess level from the available options of $200 excess or Nil excess. This excess will apply to each claim that you make under the policy except where the 'no excess' applies.

Additional International Benefits you can purchase ...
Benefits are available prior and post departure.

Snow Sports Cover - NOW FREE cover for New Zealand

You are not automatically covered for snow sports unless you are travelling to New Zealand. Cover can be purchased for an additional amount. If you are travelling to New Zealand cover will be provided under the Snow Sport Cover FREE of Charge. You must read Section J together with the General Exclusions, as these may affect your cover.

Additional Benefits		Section	Applicable limits Per Adult
Any claim arising due to participation in snow sports		J	Up to the applicable limit of the relevant section
Ski Lift Passes	No Excess	J1	$300
Ski Run Closure (Conditions apply)	No Excess	J2	$500
Hire Replacement Snow Equipment	No Excess	J3	$300

Additional Rental Vehicle Insurance Excess Cover

If you are renting a car, campervan, motorcycle or boat you may have to pay an insurance excess for an accident or theft. QBE have included cover for rental vehicle insurance excess hovever you may with to increase this cover for an additional amount.

Maximum additional Cover		Additional Units of Cover
$5,000		$20 per $500 unit
Specified Item Cover
You can cover items worth more than the item limits for the selected travel plan on payment of an additional amount. Items separately insured under Specified Item Cover are covered up to the amount specified, even if this amount exceeds the total luggage limit set out in the Schedule of Benefits.
You must insure the total value per item. Please ensure you have proof of value (not more than 12 months old) of any item you specify. This will be required should you make a claim. Depreciation does not apply to specified items in the event of a claim. Specified Item Cover is subject to the terms and conditions as detailed under Section F1 ''Luggage and Personal Effects' in the Policy Wording.
Maximum Individual Item limit	Maximum Total For All Items	To calculate the additional amount to specify ($1000 value x 3%=$30.00)
$6,000	$15,000
Cruising Cover Option - NOW FREE if you are aged under 60 years
If your travel plans include deep water cruising for 4 or more consecutive days and you are aged more than 60 years at the time the Certificate of Insurance is issued, then you must purchase the cruising option in addition to your International Travel Plan otherwise there will be no cover under this policy for the period of the trip that you are cruising. This cruising cover option is not required for river or houseboat cruising

QBE Elements - Travel Insurance Plans ... from only $34.00 per adult

The QBE Elements premium is payable PER PERSON - There is no cover for any accompanying children.

Guidelines

This travel plan is only available to residents of Australia who are under 65 years of age at the time the original Certificate of Insurance is to be issued and it must be issued prior to the commencement of your trip

Cover is available even if your have a medical condition, as this policy does not cover an existing medical condition (other than those conditions on the automatic approval list) refer to the PDS for cover.

This policy can be purchased up to 6 months prior to the commencement of your trip and can be extended as many times as you like up to a maximum duration of 12 months from departure date. This is only available before the current policy expires (conditions apply refer PDS).

This policy does not cover any snow sports or any cover if you are cruising more than 4 consecutive days, if you require cover for these then you must apply for the International Travel Plan with additional snow or cruising cover.

There is no provision to suspend this policy during the period of insurance.

Are You Sure Your Have The Right Level Of Cover?
You need to make sure the limits of cover are adequate for your needs. Otherwise you may be under insured and have to bear part of the loss that exceeds the limits yourself. Please refer to the applicable limits as set out in the Schedule of Benefits and the Policy Wording.

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

24hr World-Wide Emergency Assistance
When disaster strikes and the unthinkable happens, it's reassuring to know someone back home is ready to take your call and assist you. Our dedicated QBE - OMEGA travellers' assistance teams are on call 24 hours a day, 7 days a week to provide you with assistance when you need it most. QBE's in-house emergency assistance service OMEGA has been providing help to travellers since 1992.
Whether it is in Bali or Hawaii, one call connects you to someone back home. It's comforting to know the person you are speaking to, is part of the QBE Travel team of trained medical and insurance specialists, who can make decisions regarding your situation and provide assistance when you need it the most.

Qantas Frequent Flyer Points: One Qantas Frequent Flyer point can be earned for every two dollars spent on an International Travel Plan. You will be eligible for these points upon departure. Points will be credited to your Qantas Frequent Flyer account within 6 weeks of departure.

Cooling off Period ... If, having purchased the policy, you want to return it, you can do so within 14 days of receiving the Certificate of Insurance and obtain a full refund, provided no right or power has been exercised under it by you (eg no claim has been made) and your trip has not commenced. QBE's Distributor will arrange for a refund of the amount payable within 15 business days of you cancelling your policy. The Cooling Off Period does not apply to policy or trip extensions.

General Advice Warning [GAW] the advice has been prepared without taking into account the clients needs, objectives or financial situation. You should read the Product Disclosure Statement [PDS] relating to the product before making any decision about whether to acquire the product. You should be aware that exclusions do apply. For detailed information about the benefits, exclusions, and the process for making a claim please read the full Policy Wording attached to the policy

Global Surf Travel Pty Ltd (ABN 79 083 338 649) TAL 3076458 t/as Global Surf Travel is an authorised distributor for Travel Insurance from QBE (Australia) Limited (ABN 78 003 191 035) AFSL 239545 and an affiliated partner to Sunlover Holidays, New South Wales Holidays and Travelpoint Holidays operated by AOT Holidays Pty Ltd (ABN 24 113 463 415) TAL Qld 3095715 - © 2009 AOT Group Pty Ltd.