Does my travel insurance cover this?

Posted Date: 08 December 2014
Am I covered

Having a good travel insurance policy for your next overseas trip is just about as important as having a valid passport. If you don’t have it, don’t go!

We understand that the technicalities of travel insurance can be a little bit boring for travellers, especially if your mind is already distracted by thoughts of your next tropical getaway or European adventure. That’s why we’ve created this quick and simple guide to help you understand what your TravelCare policy covers and importantly, what is not covered.

Your most important document

Southern Cross Travel Insurance (SCTI) has an efficient online quote and purchase process. Taking out a policy with us can be done quickly and is completed online via computer, tablet or smartphone.

But before you proceed, we always recommend that you read our Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS), including Policy Wording.

This document contains information about your specific policy including benefits, monetary limits and exclusions. Essentially, it states what you are covered for, to what extent and under what circumstances.

Our TravelCare PDS, including Policy Wording, has information regarding the following benefits:

  1. Medical & Evacuation
  2. Changes to Your Journey
  3. Baggage & Personal Items
  4. Cash & Travel Documents
  5. Personal Accident
  6. Personal Liability
  7. Rental Vehicle Excess

You’ll also find information regarding cover types, pre-existing conditions and your obligations after your start date of insurance but prior to your start date of journey.

We’ve grouped this together with our Financial Services Guide (FSG) so that you can print it off or download it to your laptop, e-book reader, tablet or smartphone all in one document.

Read this document through, take it with you on your next trip and be confident in knowing that you are covered if an Unexpected Event affects your overseas travel.

Unexpected events

SCTI’s TravelCare policy provides cover for Unexpected Events affecting your overseas travel. According to the policy wording (which you’ve now downloaded and read through, right?), an Unexpected Event is a cause or event that occurs during your period of insurance that:

       a) Was sudden, unforeseeable or unintended; and

       b) Was outside of your control; and

       c) Could not reasonably have been anticipated or avoided.

This means that you can rest assured that if the unexpected happens, and is not listed as an exclusion,  SCTI will most likely be able to help you. It always pays to be on the safe side, so make sure that your travel plans won’t put you in a situation that compromises your policy.

For example, our CEO Craig Morrison previously highlighted the risk of using online services to arrange homestays with strangers. He said,

“[Travellers staying with strangers] wouldn’t be able to claim for any stolen baggage or personal items under their travel insurance policy. In the travel insurance business we insure against unexpected events and, unfortunately, having your property stolen when sleeping in a stranger’s house wouldn’t qualify as unexpected. Even if the traveller is given a key and is able to lock their belongings away in a secure place, there’s no guarantee the owner or their family and friends wouldn’t have other keys.”

SCTI’s TravelCare policy only provides cover for unexpected events affecting your overseas travel, so stay safe and travel responsibly.

The SCTI difference

There is a difference when it comes to taking out a policy with SCTI. Unlike some of our competitors, we sell and underwrite our own travel insurance policies, which means we always have the final say and ultimate authority when it comes to helping our customers when things go wrong.

We have a large team on standby that are able to advise you on your policy before, during and after your trip and each TravelCare customer also gains access to our Worldwide Emergency Assistance team, who are available to help, 24 hours, 7 days a week.

SCTI always strives to be straight talking, transparent and supportive because we know that travel insurance is a vital part of your next big adventure.

Three things to remember 

That all sounds like a lot to understand, but really it’s pretty simple:

  1. Your PDS, including Policy Wording, contains all the information you need regarding what you are and aren’t covered for.
  2. Stay safe and be cautious, because travel insurance only covers you if your overseas travel is affected by an unexpected event.
  3. We have conditions and exclusions, but we pay the vast majority of claims we get. We only decline those that fall outside of the terms and conditions of the policy wording.

Just ask

If you’re unsure about anything, check your policy wording before you go and if you need any extra help, ask us a question or get in touch.

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