Frequently Asked Questions - Overseas Medical, Cancellations/Additional Expenses

I need to cancel my trip as my employer has denied my leave request – will I be covered?

No – we do not cover cancellations if you decide not to travel due to a denial of your leave request by your employer.

Can I claim on expenses if I want to change my travel plans?

No - our policy does not cover changes to your travel plans arising from change of mind or personal preferences. However, you may be covered for changes to your trip due to an insured event, such as a medical emergency or natural disaster. Please refer to the Product Disclosure Statement for a full list of terms.

Will I be covered for cancelling my trip due to a cyclone?

Yes – cancellations or changes due to natural disasters will be covered if the policy was purchased prior to the event. Please refer to the Product Disclosure Statement for a full list of limits, terms, and conditions.

Will I be covered for cancelling my trip due to the death of a relative?

Yes – you may be covered for cancellation or amendment fees arising from the death of a relative under the age of 85, provided you were not aware of the likelihood of their death at the time of taking out a policy. Please refer to the Product Disclosure Statement for a full list of limits, terms, and exclusions.

Can I claim medical/hospital expenses due to a pre-existing medical condition?

You may be covered for some pre-existing medical conditions listed in our Product Disclosure Statement, provided you meet the criteria for each condition as well as any additional terms and conditions that may apply. Please refer to our Pre-existing Medical Conditions page for more information.

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