General Exclusions applicable to all sections

We will not pay under any circumstances if:

GENERAL

1. You do not act in a responsible way to protect yourself and your property and to avoid making a claim.

2. You do not do everything you can to reduce your loss as much as possible.

3. Your claim arises from consequential loss of any kind.

4. At the time of purchasing the policy, you were aware of something that would give rise to you making a claim under this policy.

5. Your claim is for a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, Plan, or medical benefit scheme, or any other similar type legislation required to be effected by or under a law.

6. Your claim is for additional expenses or fees arising from errors or omissions in your booking arrangements or your failure to obtain relevant visa or passport documents.

7. Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements.

8. Your claim arises from a government authority confiscating, detaining or destroying anything.

9. Your claim arises from being in control of a motor cycle without a current Australian motorcycle licence or you are a passenger travelling on a motorcycle that is in the control of a person that does not hold a current motorcycle licence valid for the country you are travelling in.

10. Your claim arises because you did not follow advice in the mass media of any government or other official body’s warning:

• against travel to a particular country or parts of a country;
• of a strike, riot, bad weather, civil commotion or contagious disease;
• of a likely or actual Epidemic or Pandemic (such as H5N1 Avian influenza);
• of a threat of an Epidemic or Pandemic (such as H5N1 Avian influenza) that requires the closure of a country borders;
• of an Epidemic or Pandemic that results in you being quarantined,

and you did not take appropriate action to avoid or minimise any potential claim under your Policy (including delay of travel to the country or part of the country referred to in the warning.

Please refer to www.who.int for further information.

11. Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.

12. Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.

13. Your claim arises from biological and or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and or create public fear.

MEDICAL

14. Your claim arises from Pre-existing Medical Conditions except as specified under the heading “Pre-existing Medical Conditions Cover” on pages 20 to 23.

15. Your claim is in respect of travel booked or undertaken against the advice of any medical adviser.

16. Your claim arises directly or indirectly from any terminal illness that was diagnosed prior to the policy being issued.

17. Your claim arises out of pregnancy, childbirth or related complications after 26 weeks of pregnancy and/or any medically assisted conception.

18. Your claim arises out of pregnancy, childbirth or related complications up to 26 weeks of pregnancy unless either you did not know you were pregnant when you commenced your journey, or you had applied for cover and we have confirmed our acceptance in writing as per Pre-existing Medical Cover requirements on pages 20 to 23. In any event we will not cover any expenses associated with or consequent upon the birth of a child.

19. Your claim involved a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place.

20. Your claim involves the cost of medication in use at the time the journey began or the cost for maintaining a course of treatment you were on prior to the journey.

21. Your claim arises from or is in any way related to depression, anxiety, stress, mental or nervous conditions.

22. Your claim arises from suicide or attempted suicide.

23. Your claim arises directly or indirectly from Human Immunodeficiency Virus (HIV) infection, Acquired Immune Deficiency Syndrome (AIDS) or a sexually transmitted disease.

24. You were affected by alcohol or drugs, unless the drugs were prescribed by a medical adviser, at the time when the thing about which you are making the claim happened.

25. Despite our advice otherwise following your call to Mondial Assistance, you received private hospital or medical treatment where public funded services or care is available in Australia or under any Reciprocal Health Agreement between the Government of Australia and the Government of any other country.

SPORTS AND LEISURE

26. Your claim arises because you hunt, race (other than on foot), engage in Open Water Sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking) or from professional sport of any kind, or from parachuting or hang gliding.

27. Your claim arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction.

28. Your claim arises from travel in any air supported device other than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.