1. If You Become Sick

If during the Period Of Insurance you suffer a Disabling Injury, Sickness or Disease, we will pay the:

a) reasonable additional hotel accommodation and additional transport expenses incurred by your travelling companion who remains with or escorts you until the completion of the period of insurance or until you are able to resume your journey or travel home, whichever occurs first. This benefit is only payable on the written advice of the overseas medical practitioner;

b) reasonable additional hotel accommodation and additional transport expenses incurred by your relative who travels to and remains with you following your being hospitalised as an inpatient. The benefit ceases when you are able to continue your journey, travel home or on completion
of the period of insurance, whichever is the earlier, and is subject to the written advice of the overseas medical practitioner and acceptance by the emergency assistance network;

c) reasonable additional hotel accommodation expenses and additional transport expenses incurred by you and at the same fare class as originally booked, if you are unable to complete the journey on the written advice of the overseas medical practitioner;

d) reasonable expenses incurred in returning a hired motor vehicle to the nearest depot provided that, on the written advice of the overseas doctor, you are unfit to drive it.

2. If You Die

We will pay reasonable overseas funeral or cremation expenses or the cost of returning your remains to Australia if you die during the period of insurance. In either event the maximum amount we will pay in total will not exceed $20,000.

3. If Your Relative Or Business Partner Becomes Sick

We will pay reasonable additional transport expenses if you are required to return to your home due to the sudden disabling Injury, sickness or disease or death of a relative or business partner in Australia.

4. If Your Home Is Destroyed By Fire, Earthquake Or Flood

We will pay the reasonable additional transport expenses for your early return to your home in Australia if it is totally destroyed by fire, earthquake or flood while you are on your journey.

5. Other Circumstances

We will pay your reasonable additional hotel accommodation and additional transport expenses incurred on the journey resulting from:

a) disruption of your scheduled transport because of riot, strike or civil commotion occurring after the commencement of the journey provided you act reasonably in avoiding additional costs;

b) loss of passport or travel documents except involving government confiscation or articles sent through the mail;

c) a quarantine regulation you unknowingly breach;

d) a natural disaster;

e) a collision of a motor vehicle, watercraft, aircraft or train in which you are travelling;

f) your scheduled transport being delayed for at least 12 hours due to severe weather conditions. We will pay up to $250 providing written confirmation from the transport provider has been obtained.

The maximum benefit limit for this section is:

Plan IB: $10,000,000*

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If you have any questions please call Covermore on 1300 72 88 22