| 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. |
We do not recommend you take valuables away with you, however if you do have expensive items we can offer Increased Luggage and Personal Effects Cover. Cover for unspecified items is limited to: Personal Computer/Video Camera/Camera: $3,000 each item; Mobile phones (including PDAs and any items with phone capabilities): $1,000 each item; Other items: $750 each item. The maximum amount we wil pay for all claims combined is shown in the Table of Benefits. Additional cover up to a total of $5,000 can be purchased under all Plans. |
Yes, No cover applies if the Luggage/baggage have been left in the motor vehicle overnight. |
| 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? |
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You can pay an extra premium at the time of purchasing your policy if you take out Plans A, C, D, E, F & G so that if you make a claim you do not have to pay any of the standard excess.
A Nil excess applies to Plan B
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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 12 months. |
Yes, you are covered up until the 26th week of a single pregnancy or the 19th week of a multiple pregnancy.*
In any event we will not pay medical expenses for:
- regular antenatal care
- childbirth at any gestation
- care of the newborn child
*Refer to Pregnancy section in your policy wording for full outline of coverage.
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| What is a pre-existing medical condition? |
What is the 24 hour medical emergency phone number? |
How do I make a claim? |
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Travel Insurance only provides cover for emergency Overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover.
If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an Overseas medical emergency and any associated costs, which can be prohibitive in some countries.
What is a Pre-existing Medical Condition?
A Pre-existing Medical Condition means:
- An ongoing medical or dental condition of which you are aware, or related complications you have, or the symptoms of which you are aware;
- A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
- Any condition for which you take prescribed medicine;
- Any condition for which you have had surgery;
- Any condition for which you see a medical specialist; or
- Pregnancy.*
*Refer to Pregnancy section in your policy wording for full outline of coverage.
This definition applies to you, your Travelling Party, a Relative or any other person.
If you do not have a Pre-existing Medical Condition, you are fully covered for emergency medical costs under Plans A, C, D, E, F & G (unless the emergency medical costs are incurred in your Country of Residence). Plan B does not include cover for emergency medical costs.
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Mondial Assistance is there to help you 24 hours a day, 365 days a year. We recommend you call the 24 hour emergency phone number as soon as possible if you have a medical issue and they will try to solve your problem in the most suitable and practical way. Failure to follow their advice or instruction may result in your claim not being paid.
Freephone: 1800 010 075 (within Australia)
Phone: +61 7 3305 7499 (reverse charge from Overseas)
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You must give us notice of your claim as soon as possible by completing the claim form supplied by our Client Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim. If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
a.) For medical, Hospital or dental claims, contact Mondial Assistance as soon as practicable: 1300 725 154 travelclaims@mondial-assistance.com.au
b.) For damage or permanent loss of your luggage and personal effects, report it immediately to the police and obtain a written notice of your report.
c.) For damage or misplacement of your Luggage and Personal Effects caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make.
d.) Submit full details of any claim in writing within 30 days of your return.
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| If I lose my baggage, can I commence my claim from overseas? |
Is it safe to give my credit card details over the internet? |
Yes.
Refer to 'How Do I Make a Claim?' - see link above right. |
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 Mondial Assistance has been advised immediately of the hospitalisation, intended repatriation for medical reasons or where out patient treatment is likely to exceed AUS$2000 and Mondial Assistance 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? |
| In some cases we can insure non-residents. 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 Cooling Off Period 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? |
| 65 years of age as at the date of purchasing the policy. If you are 66 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,
our policies suit most types of travel. You should ensure that the plan you choose 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? |
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| Yes you are, subject to the terms, benefits, limits and exclusions of the policy. For scuba diving you need to hold an open water diving licence issued in Australia or be diving under a licensed instructor. All of our policies will cover most adventure sports. Please check the policy wording to see if your sport is covered. |
In most cases, Please contact our offices directly on 1800 148 766, so we may assist you with the extension of your travel insurance. |
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