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You, or someone on your policy, is sick, injured or dies pre-trip

You, or someone on your policy, is sick, injured or dies pre-trip

It’s a week out from your big Europe trip, and you’re packed and ready to go – but now your rheumatoid arthritis has flared up. You can no longer travel, which sucks. Thankfully, you added it as a specified medical condition when you bought your policy, so now your travel insurance can help the costs associated with cancelling or rearranging your trip.

We provide cover when travellers have to cancel or rearrange your upcoming trip because they/someone on their policy is unexpectedly declared unfit to travel, or sadly, passes away due to a medical condition.

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

In order to be covered under this event, the medical condition must have first developed after policy purchase and before the trip starts. If it's an existing medical condition or arises from one, to be covered it must be either:

  • An automatically accepted condition, or

  • A specified medical condition that we've agreed to cover in writing and for which you've paid an additional premium.

We don't cover travellers when:

  • They should have known there could be a problem.

  • They weren’t taking reasonable care of themselves.

  • Their medical condition isn’t one we cover.

  • Their claim relates to them being pregnant and don’t satisfy or comply with our conditions.

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

  • Their were taking part in a sport or activity when they were injured or fell ill and they don’t satisfy or comply with our conditions.

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 are 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.