Duty of disclosure

When you apply for, extend or amend a policy with us, we will ask you a series of questions. When you answer these questions, you must declare everything you know, or which a reasonable person in the circumstances would be expected to know, for us to decide:

  1. whether we will insure you;
  2. the amount we will charge you; and
  3. whether any special conditions will apply to your policy.

Everyone who is insured under the policy must comply with this duty of disclosure. If you provide information on behalf of another insured, you are responsible for the accuracy and completeness of that information. If you (or they) do not comply with this duty of disclosure, we may refuse to issue a policy, reduce our liability for any claim and/or cancel your policy, or refuse to pay your claim or treat your policy as void from the beginning. 

This duty of disclosure applies until we:

  1. first enter into the policy with you; or
  2. we agree to a variation or extension with you.

This does not remove or limit your obligations under any other sections of this policy including Section B7 New Health event exclusions to inform us of any changes to your health

  1. between your start date of insurance and your start date of journey (on a Single Trip Policy); or
  2. prior to your start date of insurance and prior to the start date of journey for each journey (on an Annual Multi-Trip Policy).

TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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