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Someone else (not listed on your policy) is sick, injured or dies

Someone else (not listed on your policy) is sick, injured or dies

You’ve arranged for a friend to look after your café while you take a well-earned holiday in Vietnam. A week before you go, your friend calls and says he’s broken his leg. You manage to find someone to take his place — but they can’t start until a week after you were meant to leave.

Luckily, you are able to change your travel dates with your airline and your hotel, for a rearrangement fee. Your travel insurance covers these fees, so you can go on holidays with spending money intact.

We cover you when you must cancel or rearrange your trip, or return home early, because one of the following unexpectedly occurs:

What to do

If this event happens to you, refer to our checklists for what to do when you have to cancel or change your trip.

What you need to know

This event only applies where the travelling companion or the other person in question is not listed on your policy.

To be covered under this event:

  • The medical condition that led to your claim must first have arisen after you bought your policy, except where the affected person is a close relative. In that instance there may be some limited cover for existing medical conditions – see page 43 of your PDS for full details.

  • The affected person’s treating doctor must complete our GP’s Medical Certificate and submit this with your claim.

If the affected person is your travelling companion or a close relative of theirs, then for you to be covered:

  • They must also cancel or rearrange their trip; and

  • Their cancellation or rearrangement must mean you would then be the sole adult member of your travelling party.

We don’t cover you when:

  • You should have known there could be a problem.

  • The claim relates to the pregnancy of your travelling companion when they are more than 26 weeks pregnant (or 19 weeks for multiple pregnancies).

  • The medical condition isn’t one we cover.

  • They weren’t taking reasonable care of themselves.

  • Your travelling companion, close relative or someone at home was taking part in a sport or activity and didn’t satisfy or comply with our conditions.

  • Your claim arises from an act or threat of terrorism.

What you can claim

If you’re covered under this event, you can claim for the following (less your excess)– up to your plan’s trip limits.

If this event happens before your trip:

  • Cancellation costs - this includes unused, pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events.

  • Rearrangement costs – costs to rearrange pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events – up to your plan’s trip limit or the cost of cancelling the whole trip, whichever is less.

  • Unused tourist visa costs - we'll cover any charges by the visa authority to reissue your prepaid tourist visa. If you have to cancel, we'll cover the value of any unused portion of your tourist visa.

If this event happens during your trip:

  • Cancellation costs - this includes unused, pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events.

  • Extra trip costs – any extra accommodation, transport or tour costs over and above what you would've paid had your trip gone as originally planned.

  • Resumption of trip costs - if you return to your home in Australia due to a close relative's hospitalisation or death and there is more than 14 days of your trip remaining, we'll pay for return airfares so you can resume your trip. Note: you must resume your trip within 12 months of your return to Australia.

Extra Cancellation Cover

If you’ve added the Extra Cancellation Cover Option at the time of policy purchase, you’re covered for the above, up to the additional limit you’ve chosen.

Please note that this article is a summary only – please refer to the PDS for full details of cover, conditions and exclusions that apply.