We rate our regions in order of price from highest to lowest: International Cover: Region 1 – Worldwide, the Americas, Africa & Middle East: Region 2 – Europe, Japan, China & Hong Kong: Region 3 – Asia (excluding Japan, China, & Hong Kong): Region 4 – S.W. Pacific, New Zealand, Papua New Guinea & Indonesia: Note that when you buy a policy for a specific destination, you are automatically covered for the lesser destinations.
So for example, with a Region 1 policy – Worldwide, the Americas, Africa & Middle East you are covered for anywhere else in the World or with a Region 2 policy - Europe, Japan, China & Hong Kong you are also covered for Region 3 – Asia (excluding Japan, China & Hong Kong) & Region 4 – S.W. Pacific, New Zealand, Papua New Guinea, Indonesia.
An excess is the amount that you must first pay for each claim arising from the one event before a claim can be made under your policy. It is basically the ‘deductible' on your insurance.
A NIL excess applies to sections 2, 4, 5, 6, 7, 8, 12 to 18. For all other benefits, an excess of $100 applies per claim. You can remove this excess by paying an additional premium within the application path.
Cover (excluding Pre-existing Medical Conditions except as specified in Step 1 automatically covered Pre-existing Conditions on page 21) is automatically available to travellers up to and including 70 years of age only.
No cover is available under any plans for travellers aged 71 years and over.
If you pay online by credit card, you will receive an immediate confirmation and Certificate of Insurance. Your policy details are immediately transmitted to our database and you are covered right away! If you do not pay by credit card online, your application will be processed when we receive it via post or fax.
Our travel insurance is designed for the leisure traveller, and typically does not cover events linked to employment overseas.
Sorry but no. We won't refund any part of your premium if you cancel your cover after any part of your policy has begun (other than in the first 14 days under our Money Back Guarantee).
No. Our policies are all designed to be taken out 'pre-travel' and cover you from when you leave your home until you get back to Australia.
Our policies entitle you to medical assistance and cover for the costs of treatment. You are free to choose your own medical advisor or we can appoint an approved medical advisor to see you, unless you are treated under a Reciprocal HealthCare Agreement. (refer to your policy for details)
When you buy a policy, you're provided with a policy number and an assistance number that you can phone free of charge from anywhere around the world, 24 hours a day, 7 days a week, 365 days a year. Contact Mondial Assistance immediately if you have a medical problem whilst overseas.
We cover your luggage and personal effects under Plans International Cover, International & Domestic Annual Cover or Domestic Cover. (note you are required to take all reasonable precautions to protect your property, which means taking all necessary steps to avoid any loss or damage and not leaving it unsupervised.)
You will find a full definition in the Product Disclosure Statement on pages 20 to 23.
Can my ‘pre-existing medical condition' be covered?
Please refer to the Additional Options section of the Product Disclosure Statement on pages 20 to 23.
Travel claims
You can download the form from this site. This form is then forwarded to us, including original documents (such as receipts, medical reports, invoices, police reports, etc)
Contact Mondial Assistance and our team will be able to help you with your emergency.
If your completing a form and it prompts you for either of the above, just put the policy number listed on your Certificate of Insurance. (Yes, both terms relate to the same number)
If you claim relates to medical expenses, you need to have your regular doctor in Australia complete this section of the form.
Our travel insurance policies do not cover medical costs incurred within Australia because you are already entitled to treatment under your existing public or private healthcare entitlement.
Our liability ends upon safely repatriating you to home soil, where you are assimilated into the local healthcare system.
Whether applying online or manually, you may be prompted to send us original documents, such as reports or receipts. Typically, these documents are requirements, and we are unable to action the claim without the relevant supporting documentation. Each type of insurance claim that you can make may have a different document required (for example, medical report, invoice, receipt, police report), we will always advise you of any document required to action your claim.
In accordance with the General Insurance Code of Practice, our company has an Internal Dispute Resolution Committee. If you are not satisfied with the outcome of your claim, you may request that the Committee reviews your claim by writing to us explaining the reason for your dissatisfaction. You will receive a response from the Committee within 15 business days of your request being received. If this does not resolve the matter, we will provide advice on how to contact the industry's independent external complaints scheme.