A. IMPORTANT MATTERS ABOUT YOUR POLICY

A1.   This document contains your Travel Insurance Policy Terms and Conditions. It is important that you read and understand it and retain it in a safe place.
In the event of a claim arising under this Policy you will be required to furnish evidence of the circumstances and the value of such loss. Please retain documents such as receipts, accounts, police or doctor's reports, valuations and proof of ownership in support of your claim.

A2.   The most we will pay under any section is the amount shown for the plan you have selected. For some plans and sections there is an amount of money (excess) that you must contribute when you claim and these are shown below. When you pay us the excess eliminator extra premium which is shown on your certIficate then you will not have to pay.
      Excess payable
      For all International travel ..... $100
      For all Domestic travel plans ..... $50
      For all Advance Purchase Plans ..... $50

A3.   We will try to get you medical attention when you travel but our Emergency Service cannot guarantee that appropriate medical facilities will always be available. The Emergency Service is only provided to assess and monitor your condition and cannot take over the running of your medical treatment.
Please note that where your claim is not covered under the Policy, the providing of Emergency Assistance will not in itself be an admission of liability of your claim.

A4.   Before you take out this policy you must :

A11.   We will not pay a claim if your claim is fraudulent.

A12.    We may refuse to pay a claim under this policy if you do not observe any condition of this policy.

A13.   Meaning of words

• existing health disorder means any medical or dental problem of yours or of your travelling companion, relative or close business associate which required treatment or advice from a doctor, chiropractor, physiotherapist, naturopath, psychologist or psychiatrist in the thirty days before the date the certificate was issued or which you were aware of, or could be expected to be aware of, that may lead to a claim under this policy.
• serious injury or illness means a condition which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to which this insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue on with your original trip.
• relative means someone who is resident in Australia or New Zealand and is your spouse or defacto spouse of either gender, parent, parent-in-law, daughter, son, daughter or son-in-law, brother, sister, brother or sister-in-law, niece or nephew, grandchild, grandparent, step-parent, aunt, uncle, fiancee, or guardian.
• travelling companion means the person who is to travel with you for at least 50% of the Trip and who made arrangements to accompany you before you began the trip.
• trip means the travel you are undertaking and commences from the time you leave your home or place of departure to start your trip until you return home or until the end of the period of insurance shown as the return date on the certificate, whichever is sooner.
• luggage means personal items, including sporting equipment, designed to be worn or carried by you which you take with you or buy during your trip, unless they are excluded under "What is not covered" in section D and K.
• transport provider means any airline, bus line, shipping line or railway that has accepted your fare.
• rental vehicle means a motor vehicle rented or hired by you from a licenced motor vehicle rental company for the carriage of passengers and does not include any vehicle designed to be used for the carriage of commercial goods.
• motor cycle means a motorised cycle registered for and being driven on a public roadway by a licensed driver.
• we, our, us means American Home Assurance Company A.B.N. 67007483267.
• you, your means the person or persons named on the certificate of insurance. If you select single cover the policy covers you and your financially dependent children or grandchildren all under 21 years of age travelling with you. If you select family cover the policy covers the same persons as single cover plus your spouse, defacto partner or any adult travelling companion named in the certificate of insurance.
• Additional accommodation, meal and travelling expenses means only those expenses over and above what you expected to pay for accommodation, meal and travelling expenses expenses including emergency personal telephone calls, had the trip gone ahead as planned.

• the lens of spectacles, laptop computers, binoculars, photographic or video equipment.
• a breakage or scratch caused by an accident involving any vehicle you were travelling in.

• your passport or travel documents being lost opr stolen
• you innocently breaking any quarantine regulation
• natural disaster, severe weather conditions
• serious damage to your home or business premises in Australia
• your treating doctor certifying that you or your travelling companion are unfit to travel
• an accident involving your means of transport
• cancellation, delay or diversion of your scheduled transport caused by riot, strike, civil commotion, hijack, insolvency of any transport provider, tour operator or travel agent - but only those expenses you cannot claim from someone else.

• you, your travelling companion or their relative in Australia or New Zealand, or
• your close business associate in Australia.
  We will also pay your transport costs to complete your original trip if you rejoin it within 30 days of returning to Australia or New Zealand. The most we will pay is $2000 under Pacific and Asia plan and $3000 under America and Europe Plan.

What is not covered

E8.   You are not covered if you did not take precaution to avoid a claim after there was warning in the mass media of a strike or riot.

E9.   Any existing health disorder unless agreed to by us in writing. See section A13 for details.

E10.   See also Section J.


F. ACCIDENTAL DEATH

What is covered

F1.   Your death if it occurs within 12 months as a result of an injury caused by an accident during your trip.

F2.   Your disappearance because your means of transport disappeared, sank or was wrecked and your body has still not been found 12 months later.

F3.   Your dependant children under 21 years travelling with you are covered up to $1,000 each. .

What is not covered

F5.   Death caused by illness or suicide.

F6.   See also Section J.


G. YOUR LIABILITY FOR CAUSING LOSS OR DAMAGE TO PROPERTY, INJURY OR DEATH

What is covered

G1.   Compensatory damages you become legally liable to pay because during your trip you injured someone, caused someone to die, or lost or damaged someone's property.

G2. Your reasonable legal costs and expenses for settling and defending the claim made against you as long as you have incurred them with our approval.

What is not covered

G3.   Injury to your travelling companion or to a relative or employee of either of you.

G4.   Loss of or damage to property belonging to or in the care or control of you, a relative of yours, your travelling companion, or an employee of any of the aforementioned.

G5.   A claim against you arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any aircraft, watercraft or firearms.

G6.   A claim arising from the conduct of a business, profession or trade, including you providing professional advice or service.

G7.   A claim which would be covered under Workers Compensation legislation, an industrial award or agreement, or accident compensation legislation.

G8.   Any fine or penalty.

G9.   Punitive, aggravated or exemplary damages.

G10.   See also Section J.

H. RENTAL VEHICLE COLLISION DAMAGE AND THEFT EXCESS COVER

What is covered

H1.   We will reimburse you for any excess or deductible which You become legally liable to pay in respect of loss or damage to a rental vehicle during the rental period and if your doctor or dentist certifies that you are unfit to drive, up to $250 to return your hired car to the owner's nearest depot, but not exceeding the sum insured in the plan selected.

You have the options to increase the amount of cover by payment of an extra premium of $15 for each additional $500 of excess cover required maximum $5,000.

Conditions:
1.   The rental vehicle must be rented from a licensed rental agency.
2.   As part of the hiring arrangement you must take up all comprehensive motor insurance against loss or damage to rental vehicle during the rental period.
3.   You must comply with all requirements of the rental organisation under the hiring agreement and of the insurer under such insurance.

What is not covered

H2. Loss or damage arising from operation of the rental vehicle in violation of the terms of the rental agreement or loss or damage which occurs beyond the limits of any public roadway.

H3. Wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect or damage.


I. OTHER THINGS NOT INSURED UNDER THIS POLICY

Your policy does not provide for losses, liability or expenses that are for, related to or as a result of:

I1.   You not acting in a responsible way to protect yourself and your property or to prevent or reduce your loss.

I2.   Something that at the time of taking out this policy you were aware of or could be expected to be aware of, which could bring about your making a claim under this policy.

I3.   Hunting, racing (other than on foot), playing polo or playing in a football match other than an amateur match for the purpose of section B cancellation, professional sport, mountaineering or rock climbing using ropes or climbing equipment(other than hiking), pot holing.

I4.   You or your travelling companion or any other person on whom your trip depends being affected by alcohol or drug abuse, unless the drugs were prescribed by a doctor.

I5.   You acting illegally or breaking any government prohibition or regulation.

I6.   Rebellion, revolution, insurrection, civil war taking of power by the military or act of war, whether war is declared or not.

I7.   Any consequential loss, economic or otherwise, loss of enjoyment or other loss not mentioned in this policy.

I8.   Nuclear weapons, nuclear fuel or waste.

I9.   Any claim if you are not a permanent resident in Australia or if you do not plan to return to live in Australia at the end of your trip. This does not apply if you are a visitor returning to your country of residence and your trip does not exceed 32 days or if we have agreed to waive this clause.

I10.   Parachuting, sky diving or travel in any other air supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This does not apply to hot air ballooning or parasailing.

I11.   Any loss, consequential loss or liability arising directly or indirectly out of any failure, malfunction, breakdown, inability to perform normal functions or interruption of operation of any computer hardware, integrated circuit, operating system, application, software, electronic equipment, computer chip, programmed or embedded logic control system or similar device being affected due to date based functionality or performance being affected by the use of any date format.

Sections B, C and E

I12.   Travelling against medical advice or for the purpose of obtaining medical advice or treatment of if a terminal or malignant prognosis was given before you applied for this insurance.

I13.   Pregnancy or related complications, in either case, after 26 weeks of pregnancy or childbirth at any time unless accelerated by accidental injury.

I14.   Using a hospital for addiction treatment or as a nursing, convalescent or rehabilitation place.

I15.   You or any other persons depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.

I16.   Sexually transmitted diseases of any sort, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex(ARC) or Human Immunodeficiency Virus(HIV).

I17.   The cost of a return ticket if you have not purchased a return air ticket to Australia. We will deduct from your claim the cost of the fare between your last intended place of departure and Australia, at the same cabin class as your initial departure fare.

Section B, C, E, F and G

I18.   Diving underwater using an artificial breathing apparatus unless you hold an open water diving licence or you were diving under licensed instruction.

I19.   You being in control of a motor cycle without a current Australian motor cycle licence other than on the islands of Bali, Phuket, Koh Samui and Sri Lanka.

Section B, D, E and H

I20.   A government authority seizing, withholding or destroying anything of yours or any prohibition by or regulation of any government.

I21.   The financial inability of any airline to honour its obligation to ticket holders, unless that airline is:
    a)   an international airline operating scheduled flights and either is a meber of the           International Air Transport Association or has been operating schelduled air           passengers flights at least five (5) consecutive years preceding such financial           inability, or
    b)   a domestic Australian airline which has been operating scheduled air passenger           flights within Australia for at least five (5) consecutive years preceding such           financial inability, providing we have not notified you otherwise at the time of           taking out the policy.

J. CLAIMS

J1.   When something happens that might lead to a claim, you must:

• tell us promptly
• tell the police, transport provider, hotel or other authority and obtain a copy of that report
• send us your claim form as soon as possible
• provide us at your expense with any information about the claim we may ask for, including:
     * reports from police, transport provider, hotel or other authority
     * doctor's reports
     * accounts, receipts and quotations
     * valuations and proof of ownership dated prior to the date of loss
     * letters or notices you receive from anyone else about your claim
     * a letter from your travel agent setting out the charges incurred if your claim is for
       cancellation fees or lost deposits.