In this policy the following words have the following meanings:
“We”, “Our”, “Us” means Great Lakes Australia.

“You”, “Your” means the people listed as adults on the Certificate of Insurance and includes Accompanied Children in which case cover applies on a per person basis only. Where more than one person is listed as an adult on the Certificate of Insurance all benefits, limitations, conditions and exclusions will be interpreted as if a separate policy was issued to each of the persons listed as an adult other than:
a) In the event a claim arising from the one event is made, an excess (if applicable) will only be applied once.
b) In the case of luggage item limits which shall be as per a single policy. In respect of organised groups each child not travelling with their usual guardian must purchase a separate policy.

“Accompanied Children” means your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the Journey, provided they are not in full-time employment and they are under the age of 21 years.

“Act Of Terrorism” means an act, including but not limited to the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), which from its nature or context is done for, or in connection with, political, religious, ideological, ethnic or similar purposes or reasons, including the intention to influence any government and/or to put the public, or any section of the public in fear.

“Additional” means the cost of the accommodation or transport you actually use less the cost of the accommodation or transport you expected to use had the journey proceeded as planned.

“Amount Payable” means the total amount payable shown on Your Certificate of Insurance.

“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease which first shows itself during the Period Of Insurance and which requires immediate treatment by a qualified medical practitioner.

“Existing Medical Condition” means:
a) Any physical defect, condition, illness or disease for which treatment, medication or advice (including investigation) has been received or prescribed by a medical or dental advisor in the 90 days prior to the relevant time; or
b) Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to the relevant time.

“Home” means your usual place of residence in Australia.

“Insolvency” means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, presentation of a petition for the compulsory winding up of, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

“Journey” means the period commencing at the time you leave your home and ceasing at the time you return to your Home.

“Limb” means a hand at or above the wrist or a foot at or above the ankle.

“Period Of Insurance” means:
a) In respect of Single Trip Policies from the time you commence the journey or the travel start date shown on your Certificate of Insurance (whichever is later) until the time you complete the journey or the travel end date shown on your Certificate of Insurance (whichever is the earlier).
b) In respect of Annual Multi-Trip Policies from the time you commence each journey or the travel start date shown on your Certificate of Insurance (whichever occurs last) until the earliest of the following times:
(i) the time that you complete the journey; or
(ii) the expiry of the maximum insured duration per journey (this maximum duration is shown on your Certificate of Insurance); or
(iii) 12 months from the travel start date shown on your Certificate of Insurance.

Cover under Amendment or Cancellation Costs begins from the time the policy is issued. The dates on your Certificate Of Insurance can only be changed with our consent.

“Permanent” in respect of disability means a period of time lasting 12 consecutive months after the expiry of which we consider there is no reasonable prospect of improvement.

“Public Place” means shops, airports, streets, hotel foyers and grounds, restaurants, beaches, private car parks and any place the public has access to.

“Relative” means your spouse, defacto, parent, grandchild, brother, sister, son-in-law, daughter-in-law, parent-in-law, grandparent, child, step-parent, brotherin-law, sister-in-law, fiance(e), first cousin, aunt, uncle, niece and nephew.

“Relevant Time” in respect of:
a) Single Trip policies means the time of issue of the policy.
b) Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

“Rental Car” means a rented sedan, campervan, hatchback or station-wagon (including 4WD’s) rented from a licensed motor vehicle rental company.

“Terminal Illness” means any medical condition which is likely to result in death.

“Transport Provider” means a properly licensed coach operator, airline, shipping line or railway company.

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