| What is an excess? |
Do you cover valuable items? |
Does baggage have to be locked in the boot of a vehicle to ensure a claim? |
| An excess is the first part of a claim you have to pay. This helps keep down the cost of insurance and to keep out very small claims. Excesses vary from policy to policy, so make sure you check what yours is before buying a policy |
We do not recommend you take valuables away with you, however if you do have an expensive item, like a camera, then it will normally be covered up to the single item or valuables limit (max of $600 - Comprehensive Policy) contained in your existing policy. If the item is expensive and you would like to insure it for more than your policy allows, items such as photographic and video equipment, telephones, computers, musical instruments and sporting equipment can be insured for a maximum of $3000 per item up to $6000 for a collection of goods for an additional premium. |
Yes,
however you are not covered for luggage/baggage left in the boot between 10pm and 8am. Also, even if your baggage is locked in the boot and out of sight, you are not covered for the loss of money or valuables at any time if left in the vehicle. |
| What is an excess waiver? |
I am travelling on a 1 way ticket. Does my cover finish when I reach my destination? |
Can I travel whilst pregnant? |
| You can pay an extra 10% on the premium at the time of purchasing your policy so that if you make a claim you do not have to pay an excess. This is recommended. |
No,
unless you are emigrating or the country that you are travelling to is the country of your passport. Provided it is your intention to return to Australia, cover will continue for the duration of your policy, subject to the total duration limit of 365 days. |
Yes,
you are covered up until the 26th week of your pregnancy. |
| What is a pre-existing medical condition? |
What is the 24 hour medical emergency phone number? |
How do I make a claim? |
|
This policy DOES NOT automatically cover any existing medical condition of which You are aware or You or any other person insured under this Policy has received medical advice (including investigation), medical treatment, or have taken any prescribed medication in the 30 days prior to the issue of this Travel Insurance Policy, even where a diagnosis has not been made. We will CONSIDER providing cover for such conditions but first You must:
-
At Your own expense arrange a Pre-existing Medical Condition Application Form available from the website to be completed by Your usual Doctor or Specialist;
-
Return the completed Pre-existing Medical Condition Application Form to allow Us to determine if cover is available to You.
We will advise You directly of the details of any cover We will provide.
Only the individual conditions which follow, subject to the provisions beneath each, are automatically covered under this Policy.
A Pre-existing Medical Condition Application Form is not required for the conditions with provisos below:
| Asthma |
If no attack requiring treatment by a medical practitioner in the last 12 months |
| Cataracts |
If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last 30 days. |
| Diabetes – Non Insulin Dependent |
If you were diagnosed over 12 months ago and have not had any complications in the last 12 months. You must also have a Blood Sugar Level reading between 4 & 10. Downunder Leisure Travel – Backpacker Cover S/O PDS JM 08/000728 |
| Ear Grommets |
With no current infection. |
| Gastric Reflux |
If the condition does not relate to another underlying diagnosis (eg. Hernia/Gastric Ulcer). |
| Gout |
If the gout has remained stable for more than 6 months.
|
| Hiatus Hernia |
If no surgery is planned. |
| Hypercholesterolemia (High Cholesterol) |
If you have no known heart conditions. |
| Hypertension (High Blood Pressure) |
If you have no known heart conditions and your current BP reading is lower than 165/95. |
| Menopause |
Provided you do not suffer form Osteoporosis. |
However, if you have more than one of the listed conditions above, a Pre-existing Medical Condition Application Form is required.
Pre-existing Medical Condition Application Form Completion
If travelling within Australia please print and fill out this form
If travelling Internationally please print and fill out this form
When completed, forms can be faxed or mailed to:
| Fax: |
1800 008 474 |
| Or mail to: |
AIG Australia Travel Insurance
Pre-existing Medical Condition Applications
GPO Box 4561
Sydney NSW 2001 |
| Free Phone: |
01800 008 473 |
Please note: We may accept or decline Your application, offer restricted cover or require an additional premium payment. Policy cover for Pre-existing Medical Conditions cannot commence until We have reviewed the required information, advised You of Our acceptance decision and have received from You a formal acceptance of Our decision.
A separate fee of $60 will apply to assess Your application for Pre-existing Medical Cover.
|
The overseas assistance service in this Section is provided by AIG Assist in conjunction with Your policy.
1. In the event of an emergency whilst You are outside Australia, AIG Assist is only a telephone call away anywhere in the world – 24 hours a day.
2. AIG Assist is a worldwide team of highly skilled doctors and medical professionals who are available by telephone – 24 hours a day for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia
3. AIG Assist provides the following services in conjunction with the Terms and Conditions of Your Policy:
-
Access to a Registered Medical Practitioner for emergency assistance and advice.
-
Emergency transportation to the nearest suitable Hospital.
-
Emergency evacuation back home if necessary.
-
The family back home will be advised of Your medical condition and be kept informed in the situation.
-
Payment guarantees to Hospitals and Insurance verification.
-
Second opinions on surgery.
-
Hospital case management.
-
Legal referral service.
-
Urgent message service and emergency travel planning.
-
Assistance in replacing travel documents, passports and credit cards.
In the even of an emergency overseas, simply call (reverse charge) AIG Assist any time from any place in the world:
AUSTRALIA 61 (2) 9251 4298
The number underlined is the country code and the number in brackets is the area code.
|
You must register any claim to American Home Assurance Company within 30 days after completion of Your journey
If you need to make a claim, please contact:
AIG Australia
Head Office:
549 St Kilda Road,
Melbourne, Victoria 3004.
Freecall Phone: 1800 017 682
All claims need to be support by your original policy certificate, original supporting reports and documentation.
|
| If I loose my baggage, can I commence my claim from overseas? |
Is it safe to give my credit card details over the internet? |
Yes.
You must register any claim to American Home Assurance Company within 30 days after completion of Your journey but bear in mind that you will be corresponding with the Underwriters at long range. You could get your family/friends back home to deal with it for you to hasten the process but all claims need to be support by your original policy certificate, original supporting reports and documentation. |
Yes.
We have a secure site, and we also use a secure payment site. |
| Do I have to pay the bill if I am ill? |
Why are Downunder Insurance's policy prices so competitive? |
No,
provided AIG Assist has been advised immediately of the hospitalisation, intended repatriation for medical reasons or where out patient treatment is likely to exceed AUS$1500 and AIG Assist has authorised the medical treatment. |
Downunder Travel Insurance specialises in Backpacker and Independent Traveller policies with varying levels of cover. We perform a good portion of our sales over the internet which helps us to keep our costs down. |
| Must I be an Australian resident? |
Can I cancel my policy and get a refund? |
| Please contact our offices directly on 1800 148 766 if you are not a permanent Australian resident, so we may assist you with your purchase of travel insurance. |
Yes,
our money back guarantee allows you to cancel your travel insurance policy and get a full refund as long as you cancel it within 14 days of purchasing and you haven't left on your trip or made any type of claim. |
| What are the Policy Age Limits? |
Do I have to keep my policy with me whilst I travel? |
Can I still get insurance with Downunder Travel Insurance even though I'm not a backpacker? |
| The Backpackers Policy has a maximum age of 40 years and The Comprehensive Policy has a maximum age limit of 55 years. Generally the older you are, the higher your level of cover will be, and the higher the cost. If you are aged 17 years and under or 56 years and above, please contact our call centre on 1800 148 766 so we may assist you with your purchase of travel insurance. |
Some authorities will ask to see your policy so you should carry a photocopy. However, to take advantage of our 24 hour emergency assistance all you need is the 24hr medical emergency telephone number and your policy number. |
Yes,
however please be aware that our policies have been developed to suit backpackers and independent travellers and you should ensure the policy provides the right type of cover for your needs. |
| Am I covered for bungee jumping, scuba diving and white/black water rafting? |
Can I extend my policy? |
|
Yes you are.
Both of our policies will cover a number of adventure sports. Please check the policy wording to see if your sport is covered. Most sports not automatically covered can be added to your policy for an additional premium. |
Yes,
you can extend your policy to a maximum of 12 months, but you can't extend your cover once your existing policy has expired. Once your policy has expired, you will need to buy a new policy and be issued with a new policy number. |
|