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 an expensive item, like a camera, then it will be covered up to the single item or valuables limit a. (max of $3000 – Plans A, B, C, D, E, F, G) contained in your policy. If the item is expensive and you would like to insure it for more than your policy allows, you can do so for an extra premium. There is a $3,000 item limit for personal computers, video cameras and cameras , a $1000 limit for mobile phones (including PDAs and any items with phone capabilities, and a $750 item limit for all other items up to a total value of $5,000.

Yes, however you are not covered for luggage/baggage left in a locked storage compartment overnight.

You can pay an extra premium at the time of purchasing your policy if you take out Plans A, C, D, E, F, G & H so that if you make a claim you do not have to pay any of the standard excess. 

A Nil excess applies to Plans B & I

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.

Pre-existing Medical Condition (or “pre-existing condition”) means:

1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
2. 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;
3. Any condition for which you take prescribed medicine;
4. Any condition for which you have had surgery;
5. Any condition for which you see a medical specialist; or
6. 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 & H (unless the emergency medical costs are incurred in your Country of Residence). Plans B & I do not include cover for emergency medical costs.

You must give s notice of a claim as soon as possible by completing the claim form available online or 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.
You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership. If required we may ask you to provide us with translations into English of such documents to enable us to carry out our assessment of your claim.
You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require.

1. For medical, hospital or dental claims, contact Mondial Assistance as soon as practicable.
2. For damage or permanant loss of your Luggage and Personal Effects, report it immediately to the police and obtain a written notice of your report.
3. 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.
4. Submit full details of any claim in writing within 30 days of your return.