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By obtaining a quote you agree that the right Product Disclosure Statement is being made available to you by this website and you agree with our Online Terms. Our Privacy practices can be seen here.


Important Information

Duty of Disclosure

If you purchase insurance, the information you provide during Online Quote and Purchase (including the answers to any questions we have asked you) will form part of your application for insurance. Before commencing the Online Quote therefore it is very important that we have explained your Duty of Disclosure obligations.

What you must tell us? When answering our questions, you must be honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the circumstances, would include in answer to the question. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.

Who does the duty apply to? It is important that you understand you are answering our questions in this way for yourself and anyone else that you want to be covered by the policy.

What happens if you fail in your duty? If you do not answer our questions in this way, we may reduce or refuse to pay a claim, or cancel the policy. If you answer our questions fraudulently, we may refuse to pay a claim and treat the policy as never having existed.

By proceeding you agree that you have read and understand your Duty of Disclosure.



Are you a permanent Australian resident?

You need to be a permanent Australian resident to purchase this policy. This means you need to be either:

1. an Australian citizen, or
2. a person who resides in Australia and is eligible for an Australian Medicare card.

If you are not sure, do not proceed. You can ask the Federal Government's Department of Immigration and Citizenship for information.
Are all the travellers to be covered by this policy permanent Australian residents?

All travellers to be covered by this policy need to be permanent Australian residents. This means each traveller needs to be either:

1. an Australian citizen, or
2. a person who resides in Australia and is eligible for an Australian Medicare card.

If you are not sure, do not proceed. You can ask the Federal Government's Department of Immigration and Citizenship for information.
Please note you must not have already commenced your journey.


An annual multi-trip / frequent traveller policy covers any trip made internationally and domestically within the year.

Please note - There is no limit on the number of journeys you can make during the period of insurance but insurance is limited to maximum of 90 days for any one journey.

A single trip policy covers one trip only.