{
 "generated_at": "2026-11-06T03:28:46Z",
 "brand_slug": "cover-more",
 "brand": "Cover-More",
 "site": "https://www.covermore.com.au/",
 "product": "International Comprehensive (single trip and annual multi-trip)",
 "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/",
 "insurer": {
  "name": "Zurich Australian Insurance Limited",
  "legal_name": "Zurich Australian Insurance Limited",
  "abn": "13000296640",
  "afs_licence_number": "232507",
  "footing": "company",
  "register": {
   "outcome": "apra_authorised",
   "apra_status": "authorised",
   "matched_on": "afs_licence_number",
   "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED",
   "note": null
  },
  "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
  "citation": {
   "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
   "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=2",
   "page": 2,
   "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
   "confirmed": "2026-11-05"
  }
 },
 "sold_by": {
  "name": "Cover-More Insurance Services Pty Ltd",
  "basis": "agent_of_insurer"
 },
 "documents": {
  "pds": {
   "kind": "pds",
   "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
   "status": "ok",
   "http_status": 200,
   "words": 37950,
   "content_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
   "bytes_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
   "retrieved_at": "2026-11-04T23:17:11Z"
  },
  "tmd": {
   "kind": "tmd",
   "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf",
   "label": "Cover-More Travel Insurance Target Market Determination, 7 August 2024",
   "status": "ok",
   "http_status": 200,
   "words": 2820,
   "content_sha256": "71a4bd107094b36daf6f20a908ceb61ebe1ec653cf11c0b1a84605006e2903bf",
   "bytes_sha256": "2c5e22ab174734fcc0943a76e1146e6bffe0222aa53bf488bc814a53f4fe9eb9",
   "retrieved_at": "2026-11-04T23:17:12Z"
  }
 },
 "application": {
  "cooling_off_days": 21,
  "cooling_off_quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
  "maximum_age": null,
  "maximum_age_check": "not_stated",
  "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.",
  "who_it_is_designed_for": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
  "always_ask_the_traveller": [
   "The age of every traveller to be covered, not just the eldest.",
   "Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.",
   "Departure and return dates, and for an annual policy the longest single trip.",
   "The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.",
   "Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.",
   "Whether they already hold travel cover through a credit card or health fund."
  ]
 },
 "plans": [
  {
   "brand_slug": "cover-more",
   "plan_slug": "international-basic",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "International",
   "plan": "International Basic",
   "varies_by": "plan",
   "benefits_read": 35,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "$Unlimited~",
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$15,000",
       "$25,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 1000000,
     "stated": "$1,000,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "no_cover",
     "amount_aud": 0,
     "stated": "No Cover",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$2,000",
       "$3,000"
      ]
     }
    },
    "cash": {
     "kind": "no_cover",
     "amount_aud": 0,
     "stated": "No Cover",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "overseas_medical": true,
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "single-trip",
    "overseas",
    "cruise-add-on",
    "pre-existing-if-approved",
    "pre-existing-some-included",
    "overseas-365-days"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip.",
     "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.",
     "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/international-basic/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "international-comprehensive",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "International",
   "plan": "International Comprehensive",
   "varies_by": "plan",
   "benefits_read": 35,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "$Unlimited~",
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 15000,
     "stated": "$15,000",
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$15,000",
       "$25,000"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 2000,
     "stated": "$2,000",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$2,000",
       "$3,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000◊",
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 250,
     "stated": "$250",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "overseas_medical": true,
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "single-trip",
    "annual-multi-trip",
    "overseas",
    "cruise-add-on",
    "pre-existing-if-approved",
    "pre-existing-some-included",
    "overseas-365-days"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.",
     "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.",
     "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/international-comprehensive/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "international-comprehensive-plus",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "International",
   "plan": "International Comprehensive+",
   "varies_by": "plan",
   "benefits_read": 35,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "$Unlimited~",
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000",
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$15,000",
       "$25,000"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 10000,
     "stated": "$10,000",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5,000,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 3000,
     "stated": "$3,000",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$2,000",
       "$3,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 30000,
     "stated": "$30,000◊",
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 500,
     "stated": "$500",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "overseas_medical": true,
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "single-trip",
    "annual-multi-trip",
    "overseas",
    "cruise-add-on",
    "pre-existing-if-approved",
    "pre-existing-some-included",
    "overseas-365-days"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.",
     "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.",
     "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/international-comprehensive-plus/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "domestic-basic",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "Domestic",
   "plan": "Domestic Basic",
   "varies_by": "plan",
   "benefits_read": 24,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 1000000,
     "stated": "$1,000,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "domestic",
    "single-trip",
    "pre-existing-if-approved",
    "pre-existing-some-included"
   ],
   "conditions": {
    "lines": [
     "Covers one trip within Australia.",
     "Cruise Cover is not offered on the domestic plans.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/domestic-basic/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "domestic-comprehensive",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "Domestic",
   "plan": "Domestic Comprehensive",
   "varies_by": "plan",
   "benefits_read": 24,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 1000,
     "stated": "$1,000",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000",
       "$1,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000◊",
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 250,
     "stated": "$250",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "domestic",
    "single-trip",
    "annual-multi-trip",
    "pre-existing-if-approved",
    "pre-existing-some-included"
   ],
   "conditions": {
    "lines": [
     "Covers one trip within Australia, or every trip in a year as an Annual Multi-Trip policy.",
     "Cruise Cover is not offered on the domestic plans.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/domestic-comprehensive/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "domestic-comprehensive-plus",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "Domestic",
   "plan": "Domestic Comprehensive+",
   "varies_by": "plan",
   "benefits_read": 24,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 10000,
     "stated": "$10,000",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5,000,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 1000,
     "stated": "$1,000",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000",
       "$1,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 30000,
     "stated": "$30,000◊",
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 500,
     "stated": "$500",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "domestic",
    "single-trip",
    "annual-multi-trip",
    "pre-existing-if-approved",
    "pre-existing-some-included"
   ],
   "conditions": {
    "lines": [
     "Covers one trip within Australia, or every trip in a year as an Annual Multi-Trip policy.",
     "Cruise Cover is not offered on the domestic plans.",
     "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically_others_if_approved",
    "in_words": "some named conditions automatically; others if approved",
    "labels": [
     "pre-existing-if-approved",
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/domestic-comprehensive-plus/"
  },
  {
   "brand_slug": "cover-more",
   "plan_slug": "inbound",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_footing": "company",
   "product": "Inbound",
   "plan": "Inbound",
   "varies_by": "plan",
   "benefits_read": 37,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 21,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "$Unlimited~",
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~"
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     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "$Cover Chosen^",
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
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      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^"
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     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 15000,
     "stated": "$15,000",
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$15,000"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$2,500,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 2000,
     "stated": "$2,000",
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$2,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000◊",
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 250,
     "stated": "$250",
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$250"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "overseas_medical": true,
    "cancellation": true,
    "rental_vehicle_excess": false,
    "personal_liability": false,
    "travel_delay": false,
    "accidental_death": false,
    "cash": false
   },
   "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "labels": [
    "visitors-to-australia",
    "single-trip",
    "cruise-add-on",
    "pre-existing-some-included"
   ],
   "conditions": {
    "lines": [
     "For people who do not live in Australia, travelling to and within it.",
     "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.",
     "Pre-existing medical conditions are not covered, other than the listed conditions covered automatically."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9"
   },
   "pre_existing_conditions": {
    "treatment": "some_named_automatically",
    "in_words": "some named conditions automatically",
    "labels": [
     "pre-existing-some-included"
    ],
    "line": "Pre-existing medical conditions are not covered, other than the listed conditions covered automatically.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "automatically_covered": {
     "where": "listed in the document",
     "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
     "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
     "names": [
      "Acne",
      "ADHD (Attention Deficit Hyperactivity Disorder)",
      "Allergy",
      "Anxiety",
      "Asthma",
      "Bell’s Palsy",
      "Bunions",
      "Carpal Tunnel Syndrome",
      "Cataracts",
      "Glaucoma",
      "Coeliac Disease",
      "Congenital Blindness",
      "Congenital Deafness",
      "Depression",
      "Ear Grommets",
      "Epilepsy",
      "Gastric Reflux",
      "Goitre",
      "Graves’ Disease",
      "Gout",
      "Hiatus Hernia",
      "Hip Replacement",
      "Knee Replacement",
      "Shoulder Replacement",
      "Hip Resurfacing",
      "Hypercholesterolaemia (High Cholesterol)",
      "Hypertension (High Blood Pressure)",
      "Migraine",
      "Peptic/ Gastric Ulcer",
      "Plantar Fasciitis",
      "Raynaud’s Disease",
      "Skin Cancer",
      "Stenosing Tenosynovitis (Trigger Finger)",
      "Urinary Incontinence",
      "Underactive Thyroid",
      "Overactive Thyroid"
     ],
     "read_by_hand": true,
     "written_on": "2026-11-06",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "term_used": "existing medical condition",
     "section": {
      "quote": "Existing Medical Conditions We automatically include",
      "page": 18
     },
     "who": [
      {
       "line": "The Inbound plan is for non-Australian residents visiting Australia.",
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "page": 10
      },
      {
       "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "page": 10
      }
     ],
     "lead": {
      "line": "Conditions in the table are covered automatically if the criteria below are met.",
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "page": 18
     },
     "criteria_for_every_condition": [
      {
       "line": "Every existing medical condition the traveller has must be on the list.",
       "quote": "all Your Existing Medical Conditions are on this list",
       "page": 18
      },
      {
       "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not under investigation for any listed condition.",
       "quote": "You are not under investigation for any of the listed conditions",
       "page": 18
      },
      {
       "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "page": 18
      },
      {
       "line": "The condition meets its own criteria in the table.",
       "quote": "Your condition satisfies the criteria in the table following",
       "page": 18
      },
      {
       "line": "Time frames run back from the Relevant Time unless stated otherwise.",
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "page": 18
      }
     ],
     "count": 36,
     "conditions": [
      {
       "name": "Acne",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Allergy",
       "criteria": [
        "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "You have no known respiratory conditions (e.g. Asthma)"
       ],
       "page": 18
      },
      {
       "name": "Anxiety",
       "criteria": [
        "You have not been diagnosed with Depression in the last 3 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety"
       ],
       "page": 18
      },
      {
       "name": "Asthma",
       "criteria": [
        "You are less than 60 years of age when You purchase the policy",
        "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "You have been a non-smoker for at least the last 18 months",
        "You don’t need prescribed oxygen outside of a hospital",
        "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
       ],
       "page": 18
      },
      {
       "name": "Bell’s Palsy",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Bunions",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Carpal Tunnel Syndrome",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Cataracts",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Glaucoma",
       "criteria": [
        "In the last 90 days, You haven’t had an operation for this condition",
        "You have no ongoing complications of this condition"
       ],
       "page": 18
      },
      {
       "name": "Coeliac Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Blindness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Congenital Deafness",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Depression",
       "criteria": [
        "You have not been hospitalised for this condition in the last 2 years",
        "In the last 12 months, Your prescribed medication hasn’t changed",
        "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "You have not previously been required to cancel or curtail Your travel plans due to Your Depression"
       ],
       "page": 18
      },
      {
       "name": "Ear Grommets",
       "criteria": [
        "You don’t have an ear infection"
       ],
       "page": 18
      },
      {
       "name": "Epilepsy",
       "criteria": [
        "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)"
       ],
       "page": 18
      },
      {
       "name": "Gastric Reflux",
       "criteria": [
        "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)"
       ],
       "page": 18
      },
      {
       "name": "Goitre",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Graves’ Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Gout",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hiatus Hernia",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Hip Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Knee Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Shoulder Replacement",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hip Resurfacing",
       "criteria": [
        "The procedure was performed more than 12 months ago and less than 10 years ago",
        "You haven’t had any postoperative complications related to that surgery",
        "Post-operative complications include joint dislocation and infection"
       ],
       "page": 18
      },
      {
       "name": "Hypercholesterolaemia (High Cholesterol)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition"
       ],
       "page": 18
      },
      {
       "name": "Hypertension (High Blood Pressure)",
       "criteria": [
        "You don’t have a known heart or cardiovascular condition",
        "You don’t have Diabetes (Type I or Type II)",
        "Your Hypertension is stable and managed by Your medical practitioner",
        "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "You aren’t suffering symptoms of Hypertension",
        "You aren’t having investigations related to blood pressure"
       ],
       "page": 18
      },
      {
       "name": "Migraine",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Peptic/ Gastric Ulcer",
       "criteria": [
        "In the last 12 months, the Peptic/ Gastric Ulcer has been stable"
       ],
       "page": 18
      },
      {
       "name": "Plantar Fasciitis",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Raynaud’s Disease",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Skin Cancer",
       "criteria": [
        "Your Skin Cancer isn’t a Melanoma",
        "You haven’t had chemotherapy or radiotherapy for this condition",
        "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision"
       ],
       "page": 18
      },
      {
       "name": "Stenosing Tenosynovitis (Trigger Finger)",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Urinary Incontinence",
       "criteria": [
        "No additional criteria"
       ],
       "page": 18
      },
      {
       "name": "Underactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      },
      {
       "name": "Overactive Thyroid",
       "criteria": [
        "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour"
       ],
       "page": 18
      }
     ],
     "notes": [
      {
       "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "page": 19
      }
     ],
     "otherwise": [
      {
       "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "page": 19
      },
      {
       "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "page": 17
      }
     ],
     "document_cited": {
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf"
     },
     "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions"
    }
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/cover-more/inbound/"
  }
 ],
 "benefit_tables": [
  {
   "group": "International",
   "label_quality": {
    "benefits": 35,
    "names_that_look_fragmentary": 1,
    "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet."
   },
   "plans_without_a_readable_name": null,
   "plan_name_mismatch": null,
   "plan_axis": "plan",
   "plans": [
    {
     "plan": "International Basic",
     "trip_type": "Single Trip"
    },
    {
     "plan": "International Comprehensive",
     "trip_type": "Single Trip"
    },
    {
     "plan": "International Comprehensive+",
     "trip_type": "Annual Multi-Trip"
    }
   ],
   "plan_names": [
    "International Basic",
    "International Comprehensive",
    "International Comprehensive+"
   ],
   "coverage": {
    "benefits": 35,
    "cells": 97,
    "cells_possible": 105
   },
   "benefits": [
    {
     "benefit": "overseas_medical",
     "benefit_as_printed": "Overseas Medical Expenses",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Overseas Medical Expenses                                   Yes          $Unlimited~        $Unlimited~         $Unlimited~"
     },
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "overseas_dental_emergency",
     "benefit_as_printed": "Overseas Emergency Dental Expenses",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "International Comprehensive": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "International Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "Overseas Emergency Dental Expenses                          Yes            $2,000             $2,000              $2,000"
     },
     "citation": {
      "quote": "Overseas Emergency Dental Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$2,000",
       "$2,000",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "Additional Expenses",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "2*     Additional Expenses                                         Yes          $Unlimited         $Unlimited          $Unlimited"
     },
     "citation": {
      "quote": "Additional Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "return_of_remains",
     "benefit_as_printed": "Return of Mortal Remains",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      },
      "International Comprehensive": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      },
      "International Comprehensive+": {
       "stated": "$60,000",
       "kind": "amount",
       "amount_aud": 60000
      }
     },
     "evidence": {
      "row": "Return of Mortal Remains                                   Yes           $25,000            $50,000             $60,000"
     },
     "citation": {
      "quote": "Return of Mortal Remains",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$25,000",
       "$50,000",
       "$60,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Pet Cat or Dog Boarding*",
     "benefit_as_printed": "Pet Cat or Dog Boarding*",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "$300",
       "kind": "amount",
       "amount_aud": 300
      },
      "International Comprehensive+": {
       "stated": "$300",
       "kind": "amount",
       "amount_aud": 300
      }
     },
     "evidence": {
      "row": "Pet Cat or Dog Boarding*                                   Yes               $Nil             $300                $300"
     },
     "citation": {
      "quote": "Pet Cat or Dog Boarding*",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Nil",
       "$300",
       "$300"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "provider_insolvency",
     "benefit_as_printed": "Travel Services Provider Insolvency",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "International Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "3      Travel Services Provider Insolvency                         No                $Nil            $5,000              $10,000"
     },
     "citation": {
      "quote": "3 Travel Services Provider Insolvency",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$Nil",
       "$5,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "cancellation",
     "benefit_as_printed": "Amendment or Cancellation Costs",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      },
      "International Comprehensive": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      },
      "International Comprehensive+": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      }
     },
     "evidence": {
      "row": "4*     Amendment or Cancellation Costs                             Yes"
     },
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "luggage_total",
     "benefit_as_printed": "Luggage and Travel Documents",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "International Comprehensive": {
       "stated": "$15,000",
       "kind": "amount",
       "amount_aud": 15000
      },
      "International Comprehensive+": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "5*     Luggage and Travel Documents                                               $5,000            $15,000             $25,000"
     },
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$15,000",
       "$25,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_phone",
     "benefit_as_printed": "Phone or Smart Watch - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "International Comprehensive+": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      }
     },
     "evidence": {
      "row": "Phone or Smart Watch - limit per item•                                    $1,000             $1,500              $2,500"
     },
     "citation": {
      "quote": "Phone or Smart Watch - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$1,500",
       "$2,500"
      ]
     }
    },
    {
     "benefit": "luggage_item_camera",
     "benefit_as_printed": "Camera or Video Camera - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$3,500",
       "kind": "amount",
       "amount_aud": 3500
      },
      "International Comprehensive": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      },
      "International Comprehensive+": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      }
     },
     "evidence": {
      "row": "Camera or Video Camera - limit per item•                                  $3,500             $4,000              $6,000"
     },
     "citation": {
      "quote": "Camera or Video Camera - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,500",
       "$4,000",
       "$6,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_laptop",
     "benefit_as_printed": "Laptop Computer - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "International Comprehensive": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      },
      "International Comprehensive+": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "Laptop Computer - limit per item•                                         $3,000             $4,000              $5,000"
     },
     "citation": {
      "quote": "Laptop Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$4,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_tablet",
     "benefit_as_printed": "Tablet Computer - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "International Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "International Comprehensive+": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "Tablet Computer - limit per item•                          Yes            $3,000             $3,000              $3,000"
     },
     "citation": {
      "quote": "Tablet Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000",
       "$3,000",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Drone (with or without camera) - limit per item•",
     "benefit_as_printed": "Drone (with or without camera) - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "International Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "Drone (with or without camera) - limit per item•                          $1,000             $1,200              $2,000"
     },
     "citation": {
      "quote": "Drone (with or without camera) - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$1,200",
       "$2,000"
      ]
     }
    },
    {
     "benefit": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine",
     "benefit_as_printed": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "International Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "or Medical Device E.g. Hearing Aids, CPAP Machine -                       $1,000             $1,200              $1,500"
     },
     "citation": {
      "quote": "or Medical Device E.g. Hearing Aids, CPAP Machine",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$1,200",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Jewellery or Watch or any other item - limit per item•",
     "benefit_as_printed": "Jewellery or Watch or any other item - limit per item•",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "International Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "Jewellery or Watch or any other item - limit per item•                    $1,000             $1,200              $1,500"
     },
     "citation": {
      "quote": "Jewellery or Watch or any other item - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$1,200",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "luggage_delayed",
     "benefit_as_printed": "Delayed Luggage Allowance",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "$600",
       "kind": "amount",
       "amount_aud": 600
      },
      "International Comprehensive": {
       "stated": "$1,100",
       "kind": "amount",
       "amount_aud": 1100
      },
      "International Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "6*     Delayed Luggage Allowance                                   Yes            $600               $1,100              $1,500"
     },
     "citation": {
      "quote": "6* Delayed Luggage Allowance",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$600",
       "$1,100",
       "$1,500"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "cash",
     "benefit_as_printed": "Money",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "No Cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      },
      "International Comprehensive+": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "7      Money                                                       No            No Cover             $250                $500"
     },
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$250",
       "$500"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "rental_vehicle_excess",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "page": "1 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "International Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "Rental Vehicle Insurance Excess                            No                                $5,000              $10,000"
     },
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "travel_delay",
     "benefit_as_printed": "Travel Delay",
     "page": "1 of 3",
     "limits": {
      "International Basic": {
       "stated": "No Cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "International Comprehensive+": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "9*     Travel Delay                                                No                                $2,000              $3,000"
     },
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$2,000",
       "$3,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "resumption_of_journey",
     "benefit_as_printed": "Resumption of Journey",
     "page": "1 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "International Comprehensive+": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      }
     },
     "evidence": {
      "row": "10     Resumption of Journey                                       Yes                               $3,000              $6,000"
     },
     "citation": {
      "quote": "10 Resumption of Journey",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000",
       "$6,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "missed_connections",
     "benefit_as_printed": "Missed Connections",
     "page": "1 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "International Comprehensive+": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "11*    Missed Connections                                          Yes                               $3,000              $3,000"
     },
     "citation": {
      "quote": "11* Missed Connections",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
      "page": 3,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Special Events",
     "benefit_as_printed": "Special Events",
     "page": "2 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "International Comprehensive+": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      }
     },
     "evidence": {
      "row": "12     Special Events                                           Yes                                 $5,000             $6,000"
     },
     "citation": {
      "quote": "Special Events",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$5,000",
       "$6,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "hospital_incidentals",
     "benefit_as_printed": "Hospital Incidentals",
     "page": "2 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      },
      "International Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "13* Hospital Incidentals                                        No                                  $6,000             $10,000"
     },
     "citation": {
      "quote": "13* Hospital Incidentals",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$6,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "hijacking",
     "benefit_as_printed": "Hijacking",
     "page": "2 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "International Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "14* Hijacking                                                   No                                  $5,000             $10,000"
     },
     "citation": {
      "quote": "14* Hijacking",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "loss_of_income",
     "benefit_as_printed": "Loss of Income",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "No Cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "$30,000◊",
       "kind": "amount",
       "amount_aud": 30000
      },
      "International Comprehensive+": {
       "stated": "$45,000◊",
       "kind": "amount",
       "amount_aud": 45000
      }
     },
     "evidence": {
      "row": "15* Loss of Income                                              No                                 $30,000◊           $45,000◊"
     },
     "citation": {
      "quote": "15* Loss of Income",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "$30,000◊",
       "$45,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "permanent_disability",
     "benefit_as_printed": "Disability",
     "page": "2 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      },
      "International Comprehensive+": {
       "stated": "$30,000◊",
       "kind": "amount",
       "amount_aud": 30000
      }
     },
     "evidence": {
      "row": "16     Disability                                               No                                 $25,000◊           $30,000◊"
     },
     "citation": {
      "quote": "16 Disability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "accidental_death",
     "benefit_as_printed": "Accidental Death",
     "page": "2 of 3",
     "limits": {
      "International Comprehensive": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      },
      "International Comprehensive+": {
       "stated": "$30,000◊",
       "kind": "amount",
       "amount_aud": 30000
      }
     },
     "evidence": {
      "row": "17     Accidental Death                                         No                                 $25,000◊           $30,000◊"
     },
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "personal_liability",
     "benefit_as_printed": "Personal Liability",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000,000",
       "kind": "amount",
       "amount_aud": 1000000
      },
      "International Comprehensive": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      },
      "International Comprehensive+": {
       "stated": "$5,000,000",
       "kind": "amount",
       "amount_aud": 5000000
      }
     },
     "evidence": {
      "row": "18     Personal Liability                                       No            $1,000,000         $2,500,000          $5,000,000"
     },
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "Alternative Staff",
     "benefit_as_printed": "Alternative Staff",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "No Cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive": {
       "stated": "No Cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "International Comprehensive+": {
       "stated": "$15,000",
       "kind": "amount",
       "amount_aud": 15000
      }
     },
     "evidence": {
      "row": "Alternative Staff                                       No             No Cover            No Cover            $15,000"
     },
     "citation": {
      "quote": "Alternative Staff",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No Cover",
       "No Cover",
       "$15,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "Cruise Cover",
     "benefit_as_printed": "Cruise Cover",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Cover",
       "kind": "unparsed",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Cover",
       "kind": "unparsed",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Cover",
       "kind": "unparsed",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "$Cover              $Cover              $Cover"
     },
     "citation": {
      "quote": "Cruise Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$Cover",
       "$Cover",
       "$Cover"
      ]
     }
    },
    {
     "benefit": "(ii) On-board Medical and Dental Cover",
     "benefit_as_printed": "(ii) On-board Medical and Dental Cover",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(ii) On-board Medical and Dental Cover                  Yes           $Unlimited~        $Unlimited~         $Unlimited~"
     },
     "citation": {
      "quote": "(ii) On-board Medical and Dental Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(iii) Ship to Shore Medical Cover",
     "benefit_as_printed": "(iii) Ship to Shore Medical Cover",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(iii) Ship to Shore Medical Cover                       Yes           $Unlimited          $Unlimited          $Unlimited"
     },
     "citation": {
      "quote": "(iii) Ship to Shore Medical Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(iv) Sea Sickness Cover",
     "benefit_as_printed": "(iv) Sea Sickness Cover",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      },
      "International Comprehensive+": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(iv) Sea Sickness Cover                                 Yes           $Unlimited~        $Unlimited~         $Unlimited~"
     },
     "citation": {
      "quote": "(iv) Sea Sickness Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~",
       "$Unlimited~",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(vi) Missed Port (embarkation)",
     "benefit_as_printed": "(vi) Missed Port (embarkation)",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive+": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "(vi) Missed Port (embarkation)                          No              $1,000              $1,000              $1,000"
     },
     "citation": {
      "quote": "(vi) Missed Port (embarkation)",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000",
       "$1,000",
       "$1,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "(vii) Missed Shore Excursions",
     "benefit_as_printed": "(vii) Missed Shore Excursions",
     "page": "2 of 3",
     "limits": {
      "International Basic": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "International Comprehensive+": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "(vii) Missed Shore Excursions                           No              $1,000              $1,000              $1,000"
     },
     "citation": {
      "quote": "(vii) Missed Shore Excursions",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
      "page": 4,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000",
       "$1,000",
       "$1,000"
      ]
     },
     "excess_applies": false
    }
   ]
  },
  {
   "group": "Domestic",
   "label_quality": {
    "benefits": 24,
    "names_that_look_fragmentary": 1,
    "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet."
   },
   "plans_without_a_readable_name": null,
   "plan_name_mismatch": null,
   "plan_axis": "plan",
   "plans": [
    {
     "plan": "Domestic Basic",
     "trip_type": "Single Trip"
    },
    {
     "plan": "Domestic Comprehensive",
     "trip_type": "Single Trip"
    },
    {
     "plan": "Domestic Comprehensive+",
     "trip_type": "Annual Multi-Trip"
    }
   ],
   "plan_names": [
    "Domestic Basic",
    "Domestic Comprehensive",
    "Domestic Comprehensive+"
   ],
   "coverage": {
    "benefits": 24,
    "cells": 56,
    "cells_possible": 72
   },
   "benefits": [
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "Additional Expenses",
     "page": "1 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Domestic Comprehensive": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Domestic Comprehensive+": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "2*     Additional Expenses                                            Yes            $10,000          $10,000            $25,000"
     },
     "citation": {
      "quote": "Additional Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$10,000",
       "$10,000",
       "$25,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "return_of_remains",
     "benefit_as_printed": "Return of Mortal Remains",
     "page": "1 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "Included in limit above",
       "kind": "included",
       "amount_aud": null,
       "note": "covered, with the limit stated elsewhere in the document"
      },
      "Domestic Comprehensive": {
       "stated": "Included in limit above",
       "kind": "included",
       "amount_aud": null,
       "note": "covered, with the limit stated elsewhere in the document"
      },
      "Domestic Comprehensive+": {
       "stated": "Included in limit above",
       "kind": "included",
       "amount_aud": null,
       "note": "covered, with the limit stated elsewhere in the document"
      }
     },
     "evidence": {
      "row": "Return of Mortal Remains                                       Yes"
     },
     "citation": {
      "quote": "Return of Mortal Remains",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "Included in limit above",
       "Included in limit above",
       "Included in limit above"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "provider_insolvency",
     "benefit_as_printed": "Travel Services Provider Insolvency",
     "page": "1 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "No cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Domestic Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "3      Travel Services Provider Insolvency                            No                              $5,000             $10,000"
     },
     "citation": {
      "quote": "3 Travel Services Provider Insolvency",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No cover",
       "$5,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "cancellation",
     "benefit_as_printed": "Amendment or Cancellation Costs",
     "page": "1 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      },
      "Domestic Comprehensive": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      },
      "Domestic Comprehensive+": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      }
     },
     "evidence": {
      "row": "4*     Amendment or Cancellation Costs                                Yes"
     },
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^",
       "$Cover Chosen^",
       "$Cover Chosen^"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "luggage_item_phone",
     "benefit_as_printed": "Phone or Smart Watch - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "Domestic Comprehensive+": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      }
     },
     "evidence": {
      "row": "Phone or Smart Watch - limit per item•                                                        $1,500             $2,500"
     },
     "citation": {
      "quote": "Phone or Smart Watch - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$2,500"
      ]
     }
    },
    {
     "benefit": "luggage_item_camera",
     "benefit_as_printed": "Camera or Video Camera - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      },
      "Domestic Comprehensive+": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      }
     },
     "evidence": {
      "row": "Camera or Video Camera - limit per item•                                                      $4,000             $6,000"
     },
     "citation": {
      "quote": "Camera or Video Camera - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$4,000",
       "$6,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_laptop",
     "benefit_as_printed": "Laptop Computer - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      },
      "Domestic Comprehensive+": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "Laptop Computer - limit per item•                                                             $4,000             $5,000"
     },
     "citation": {
      "quote": "Laptop Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$4,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_tablet",
     "benefit_as_printed": "Tablet Computer - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "Domestic Comprehensive+": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "Tablet Computer - limit per item•                             Yes                             $3,000             $3,000"
     },
     "citation": {
      "quote": "Tablet Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Drone (with or without camera) - limit per item•",
     "benefit_as_printed": "Drone (with or without camera) - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "No cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "Domestic Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "Drone (with or without camera) - limit per item•                             No cover         $1,200             $2,000"
     },
     "citation": {
      "quote": "Drone (with or without camera) - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover",
       "$1,200",
       "$2,000"
      ]
     }
    },
    {
     "benefit": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine",
     "benefit_as_printed": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "Domestic Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "or Medical Device E.g. Hearing Aids, CPAP Machine -                                           $1,200              $1,500"
     },
     "citation": {
      "quote": "or Medical Device E.g. Hearing Aids, CPAP Machine",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,200",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Jewellery or Watch or any other item - limit per item•",
     "benefit_as_printed": "Jewellery or Watch or any other item - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      },
      "Domestic Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "Jewellery or Watch or any other item - limit per item•                                        $1,200              $1,500"
     },
     "citation": {
      "quote": "Jewellery or Watch or any other item - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,200",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "luggage_delayed",
     "benefit_as_printed": "Delayed Luggage Allowance",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$1,100",
       "kind": "amount",
       "amount_aud": 1100
      },
      "Domestic Comprehensive+": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "6*     Delayed Luggage Allowance                                      Yes                              $1,100             $1,500"
     },
     "citation": {
      "quote": "6* Delayed Luggage Allowance",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$1,100",
       "$1,500"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "cash",
     "benefit_as_printed": "Money",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      },
      "Domestic Comprehensive+": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "7      Money                                                          No                               $250               $500"
     },
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$250",
       "$500"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "Driving Holidays Cover for the Insurance Excess on Your Personal",
     "benefit_as_printed": "Driving Holidays Cover for the Insurance Excess on Your Personal",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      },
      "Domestic Comprehensive+": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      }
     },
     "evidence": {
      "row": "No                              $2,500             $2,500"
     },
     "citation": {
      "quote": "8 Driving Holidays Cover for the Insurance Excess on Your Personal",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$2,500",
       "$2,500"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "rental_vehicle_excess",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Domestic Comprehensive+": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "Rental Vehicle Insurance Excess                               No                              $5,000             $10,000"
     },
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000",
       "$10,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "travel_delay",
     "benefit_as_printed": "Travel Delay",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "Domestic Comprehensive+": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "9*     Travel Delay                                                   No                              $1,000              $1,000"
     },
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000",
       "$1,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "resumption_of_journey",
     "benefit_as_printed": "Resumption of Journey",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "10     Resumption of Journey                                          Yes                               $Nil             $2,000"
     },
     "citation": {
      "quote": "10 Resumption of Journey",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Nil",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "missed_connections",
     "benefit_as_printed": "Missed Connections",
     "page": "1 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "11     Missed Connections                                             Yes                               $Nil             $2,000"
     },
     "citation": {
      "quote": "11 Missed Connections",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
      "page": 6,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Nil",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Special Events",
     "benefit_as_printed": "Special Events",
     "page": "2 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "Domestic Comprehensive+": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "12     Special Events                                                 Yes                             $2,000              $2,000"
     },
     "citation": {
      "quote": "12 Special Events",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$2,000",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "loss_of_income",
     "benefit_as_printed": "Loss of Income",
     "page": "2 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$30,000",
       "kind": "amount",
       "amount_aud": 30000
      },
      "Domestic Comprehensive+": {
       "stated": "$45,000◊",
       "kind": "amount",
       "amount_aud": 45000
      }
     },
     "evidence": {
      "row": "15* Loss of Income                                                    No                             $30,000             $45,000◊"
     },
     "citation": {
      "quote": "15* Loss of Income",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$30,000",
       "$45,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "permanent_disability",
     "benefit_as_printed": "Disability",
     "page": "2 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "No cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      },
      "Domestic Comprehensive+": {
       "stated": "$30,000◊",
       "kind": "amount",
       "amount_aud": 30000
      }
     },
     "evidence": {
      "row": "16     Disability                                                     No                             $25,000◊            $30,000◊"
     },
     "citation": {
      "quote": "16 Disability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No cover",
       "$25,000◊",
       "$30,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "accidental_death",
     "benefit_as_printed": "Accidental Death",
     "page": "2 of 2",
     "limits": {
      "Domestic Comprehensive": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      },
      "Domestic Comprehensive+": {
       "stated": "$30,000◊",
       "kind": "amount",
       "amount_aud": 30000
      }
     },
     "evidence": {
      "row": "17     Accidental Death                                               No                             $25,000◊            $30,000◊"
     },
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊",
       "$30,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "personal_liability",
     "benefit_as_printed": "Personal Liability",
     "page": "2 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "$1,000,000",
       "kind": "amount",
       "amount_aud": 1000000
      },
      "Domestic Comprehensive": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      },
      "Domestic Comprehensive+": {
       "stated": "$5,000,000",
       "kind": "amount",
       "amount_aud": 5000000
      }
     },
     "evidence": {
      "row": "18     Personal Liability                                             No          $1,000,000        $2,500,000         $5,000,000"
     },
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000,000",
       "$2,500,000",
       "$5,000,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "Alternative Staff",
     "benefit_as_printed": "Alternative Staff",
     "page": "2 of 2",
     "limits": {
      "Domestic Basic": {
       "stated": "No cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive": {
       "stated": "No cover",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Domestic Comprehensive+": {
       "stated": "$15,000",
       "kind": "amount",
       "amount_aud": 15000
      }
     },
     "evidence": {
      "row": "Alternative Staff                                            No           No cover           No cover           $15,000"
     },
     "citation": {
      "quote": "Alternative Staff",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
      "page": 7,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "No cover",
       "No cover",
       "$15,000"
      ]
     },
     "excess_applies": false
    }
   ]
  },
  {
   "group": "Inbound",
   "label_quality": {
    "benefits": 37,
    "names_that_look_fragmentary": 1,
    "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet."
   },
   "plans_without_a_readable_name": null,
   "plan_name_mismatch": null,
   "plan_axis": "plan",
   "plans": [
    {
     "plan": "Inbound",
     "trip_type": "Single Trip"
    }
   ],
   "plan_names": [
    "Inbound"
   ],
   "coverage": {
    "benefits": 37,
    "cells": 37,
    "cells_possible": 37
   },
   "benefits": [
    {
     "benefit": "overseas_medical",
     "benefit_as_printed": "Overseas Medical Expenses",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Overseas Medical Expenses                                       Yes                        $Unlimited~"
     },
     "citation": {
      "quote": "Overseas Medical Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "overseas_dental_emergency",
     "benefit_as_printed": "Overseas Emergency Dental expenses",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "Overseas Emergency Dental expenses                              Yes                           $2,000"
     },
     "citation": {
      "quote": "Overseas Emergency Dental expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "Additional Expenses",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "2*     Additional Expenses                                             Yes                         $Unlimited"
     },
     "citation": {
      "quote": "Additional Expenses",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "return_of_remains",
     "benefit_as_printed": "Return of Mortal Remains",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      }
     },
     "evidence": {
      "row": "Return of Mortal Remains                                       Yes                          $50,000"
     },
     "citation": {
      "quote": "Return of Mortal Remains",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$50,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Pet Cat or Dog Boarding*",
     "benefit_as_printed": "Pet Cat or Dog Boarding*",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$300",
       "kind": "amount",
       "amount_aud": 300
      }
     },
     "evidence": {
      "row": "Pet Cat or Dog Boarding*                                       Yes                            $300"
     },
     "citation": {
      "quote": "Pet Cat or Dog Boarding*",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$300"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "provider_insolvency",
     "benefit_as_printed": "Travel Services Provider Insolvency",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "3      Travel Services Provider Insolvency                             No                            $5,000"
     },
     "citation": {
      "quote": "3 Travel Services Provider Insolvency",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "cancellation",
     "benefit_as_printed": "Amendment or Cancellation Costs",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      }
     },
     "evidence": {
      "row": "4*     Amendment or Cancellation Costs                                 Yes                      $Cover Chosen^"
     },
     "citation": {
      "quote": "4* Amendment or Cancellation Costs",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "luggage_total",
     "benefit_as_printed": "Luggage and Travel Documents",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$15,000",
       "kind": "amount",
       "amount_aud": 15000
      }
     },
     "evidence": {
      "row": "5*     Luggage and Travel Documents                                                                 $15,000"
     },
     "citation": {
      "quote": "5* Luggage and Travel Documents",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$15,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_phone",
     "benefit_as_printed": "Phone or Smart Watch - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "Phone or Smart Watch - limit per item•                                                       $1,500"
     },
     "citation": {
      "quote": "Phone or Smart Watch - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500"
      ]
     }
    },
    {
     "benefit": "luggage_item_camera",
     "benefit_as_printed": "Camera or Video Camera - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      }
     },
     "evidence": {
      "row": "Camera or Video Camera - limit per item•                                                     $4,000"
     },
     "citation": {
      "quote": "Camera or Video Camera - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$4,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_laptop",
     "benefit_as_printed": "Laptop Computer - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$4,000",
       "kind": "amount",
       "amount_aud": 4000
      }
     },
     "evidence": {
      "row": "Laptop Computer - limit per item•                                                            $4,000"
     },
     "citation": {
      "quote": "Laptop Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$4,000"
      ]
     }
    },
    {
     "benefit": "luggage_item_tablet",
     "benefit_as_printed": "Tablet Computer - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "Tablet Computer - limit per item•                              Yes                           $3,000"
     },
     "citation": {
      "quote": "Tablet Computer - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Drone (with or without camera) - limit per item•",
     "benefit_as_printed": "Drone (with or without camera) - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      }
     },
     "evidence": {
      "row": "Drone (with or without camera) - limit per item•                                             $1,200"
     },
     "citation": {
      "quote": "Drone (with or without camera) - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,200"
      ]
     }
    },
    {
     "benefit": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine - limit",
     "benefit_as_printed": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine - limit",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      }
     },
     "evidence": {
      "row": "or Medical Device E.g. Hearing Aids, CPAP Machine - limit                                    $1,200"
     },
     "citation": {
      "quote": "Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine - limit",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,200"
      ]
     }
    },
    {
     "benefit": "Jewellery or Watch or any other item - limit per item•",
     "benefit_as_printed": "Jewellery or Watch or any other item - limit per item•",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,200",
       "kind": "amount",
       "amount_aud": 1200
      }
     },
     "evidence": {
      "row": "Jewellery or Watch or any other item - limit per item•                                       $1,200"
     },
     "citation": {
      "quote": "Jewellery or Watch or any other item - limit per item•",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,200"
      ]
     }
    },
    {
     "benefit": "luggage_delayed",
     "benefit_as_printed": "Delayed Luggage Allowance",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,100",
       "kind": "amount",
       "amount_aud": 1100
      }
     },
     "evidence": {
      "row": "6*     Delayed Luggage Allowance                                       Yes                           $1,100"
     },
     "citation": {
      "quote": "6* Delayed Luggage Allowance",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$1,100"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "cash",
     "benefit_as_printed": "Money",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      }
     },
     "evidence": {
      "row": "7      Money                                                           No                             $250"
     },
     "citation": {
      "quote": "7 Money",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$250"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "rental_vehicle_excess",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "Rental Vehicle Insurance Excess                                No                            $5,000"
     },
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "travel_delay",
     "benefit_as_printed": "Travel Delay",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "9*     Travel Delay                                                    No                            $2,000"
     },
     "citation": {
      "quote": "9* Travel Delay",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$2,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "resumption_of_journey",
     "benefit_as_printed": "Resumption of Journey",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "10     Resumption of Journey                                           Yes                           $3,000"
     },
     "citation": {
      "quote": "10 Resumption of Journey",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "missed_connections",
     "benefit_as_printed": "Missed Connections",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "11*    Missed Connections                                              Yes                           $3,000"
     },
     "citation": {
      "quote": "11* Missed Connections",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$3,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Special Events",
     "benefit_as_printed": "Special Events",
     "page": "1 of 2",
     "limits": {
      "Inbound": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "12     Special Events                                                  Yes                           $5,000"
     },
     "citation": {
      "quote": "12 Special Events",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
      "page": 8,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$5,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "hospital_incidentals",
     "benefit_as_printed": "Hospital Incidentals",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      }
     },
     "evidence": {
      "row": "13* Hospital Incidentals                                               No                            $6,000"
     },
     "citation": {
      "quote": "13* Hospital Incidentals",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$6,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "hijacking",
     "benefit_as_printed": "Hijacking",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "14* Hijacking                                                          No                            $5,000"
     },
     "citation": {
      "quote": "14* Hijacking",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$5,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "loss_of_income",
     "benefit_as_printed": "Loss of Income",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$9,000◊",
       "kind": "amount",
       "amount_aud": 9000
      }
     },
     "evidence": {
      "row": "15* Loss of Income                                                     No                           $9,000◊"
     },
     "citation": {
      "quote": "15* Loss of Income",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$9,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "permanent_disability",
     "benefit_as_printed": "Disability",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "16     Disability                                                      No                          $25,000◊"
     },
     "citation": {
      "quote": "16 Disability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "accidental_death",
     "benefit_as_printed": "Accidental Death",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$25,000◊",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "17     Accidental Death                                                No                          $25,000◊"
     },
     "citation": {
      "quote": "17 Accidental Death",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$25,000◊"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "personal_liability",
     "benefit_as_printed": "Personal Liability",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      }
     },
     "evidence": {
      "row": "18     Personal Liability                                              No                         $2,500,000"
     },
     "citation": {
      "quote": "18 Personal Liability",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$2,500,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "Medical Expenses in Australia",
     "benefit_as_printed": "Medical Expenses in Australia",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,000,000~",
       "kind": "amount",
       "amount_aud": 1000000
      }
     },
     "evidence": {
      "row": "Medical Expenses in Australia                                   Yes                        $1,000,000~"
     },
     "citation": {
      "quote": "Medical Expenses in Australia",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$1,000,000~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Emergency Dental Expenses in Australia",
     "benefit_as_printed": "Emergency Dental Expenses in Australia",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "Emergency Dental Expenses in Australia                          Yes                           $2,000"
     },
     "citation": {
      "quote": "Emergency Dental Expenses in Australia",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$2,000"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "Cruise Cancellation",
     "benefit_as_printed": "Cruise Cancellation",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Cover Chosen^",
       "kind": "sum_insured_chosen",
       "amount_aud": null,
       "note": "the limit is the sum insured the traveller chooses at purchase"
      }
     },
     "evidence": {
      "row": "(i)   Cruise Cancellation                                      Yes                      $Cover Chosen^"
     },
     "citation": {
      "quote": "Cruise Cancellation",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Cover Chosen^"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(ii) On-board Medical and Dental Cover",
     "benefit_as_printed": "(ii) On-board Medical and Dental Cover",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(ii) On-board Medical and Dental Cover                         Yes                        $Unlimited~"
     },
     "citation": {
      "quote": "(ii) On-board Medical and Dental Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(iii) Ship to Shore Medical Cover",
     "benefit_as_printed": "(iii) Ship to Shore Medical Cover",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(iii) Ship to Shore Medical Cover                              Yes                         $Unlimited"
     },
     "citation": {
      "quote": "(iii) Ship to Shore Medical Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(iv) Sea Sickness Cover",
     "benefit_as_printed": "(iv) Sea Sickness Cover",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$Unlimited~",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "(iv) Sea Sickness Cover                                        Yes                        $Unlimited~"
     },
     "citation": {
      "quote": "(iv) Sea Sickness Cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$Unlimited~"
      ]
     },
     "excess_applies": true
    },
    {
     "benefit": "(v) Cabin Confinement",
     "benefit_as_printed": "(v) Cabin Confinement",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$100 per day - up to a maximum of $1,500",
       "kind": "amount",
       "amount_aud": 100
      }
     },
     "evidence": {
      "row": "(v) Cabin Confinement                                          No          $100 per day - up to a maximum of $1,500"
     },
     "citation": {
      "quote": "(v) Cabin Confinement",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$100 per day - up to a maximum of $1,500"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "(vi) Missed Port (embarkation)",
     "benefit_as_printed": "(vi) Missed Port (embarkation)",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "(vi) Missed Port (embarkation)                                 No                            $1,000"
     },
     "citation": {
      "quote": "(vi) Missed Port (embarkation)",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000"
      ]
     },
     "excess_applies": false
    },
    {
     "benefit": "(vii) Missed Shore Excursions",
     "benefit_as_printed": "(vii) Missed Shore Excursions",
     "page": "2 of 2",
     "limits": {
      "Inbound": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "(vii) Missed Shore Excursions                                  No                            $1,000"
     },
     "citation": {
      "quote": "(vii) Missed Shore Excursions",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
      "page": 9,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05",
      "cells": [
       "No",
       "$1,000"
      ]
     },
     "excess_applies": false
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "page": "1 of 3",
   "proposed_benefit": "PDS carefully to understand what this covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply",
   "line": "                                                                  Excess             Limit per person unless stated otherwise",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 3",
   "proposed_benefit": "Rental Vehicle Comprehensive Cover",
   "line": "        Rental Vehicle Comprehensive Cover -                                                                         policy wording.",
   "problems": [
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 3",
   "proposed_benefit": null,
   "line": "        See pages 36-37                                                                                                See pages",
   "problems": [
    "no benefit name could be read for this row",
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "International table – page 2 of 3",
   "line": "     Policy Benefits                                                                 Limit per person unless stated otherwise",
   "problems": [
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Business Equipment",
   "line": "         Business Equipment                                      Yes                                                     $7,500",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Business Equipment Hire",
   "line": "         Business Equipment Hire                                 Yes                                                     $1,500",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Business Money",
   "line": "         Business Money                                          No                                                     $2,000",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Kidnap and Ransom",
   "line": "         Kidnap and Ransom                                       No                                                    $250,000",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Cruise Cancellation",
   "line": "         (i)   Cruise Cancellation                               Yes",
   "problems": [
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "(v) Cabin Confinement – $100 per day",
   "line": "         (v) Cabin Confinement – $100 per day                    No            maximum of         maximum of          maximum of",
   "problems": [
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 3",
   "proposed_benefit": "Adventure Activities Packs",
   "line": " 22     Adventure Activities Packs                                                              See pages 43-45.",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": "carefully to understand what this covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply",
   "line": "    Policy Benefits                                                                    Limit per person unless stated otherwise",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": "Pet Cat or Dog Boarding*",
   "line": "       Pet Cat or Dog Boarding*                                       Yes                              $300               $300",
   "problems": [
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": "Luggage and Travel Documents",
   "line": "5*     Luggage and Travel Documents                                                                   $5,000             $15,000",
   "problems": [
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": "Rental Vehicle Comprehensive Cover",
   "line": "        Rental Vehicle Comprehensive Cover -                                                                         policy wording.",
   "problems": [
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": null,
   "line": "        See pages 36-37                                                              No cover                          See pages",
   "problems": [
    "no benefit name could be read for this row"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Domestic table – page 2 of 2",
   "line": "     Policy Benefits                                                                    Limit per person unless stated otherwise",
   "problems": [
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Business Equipment",
   "line": "          Business Equipment                                           Yes                                                 $7,500",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Business Equipment Hire",
   "line": "          Business Equipment Hire                                      Yes                                                 $1,500",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Business Money",
   "line": "          Business Money                                               No                                                  $2,000",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Kidnap and Ransom",
   "line": "          Kidnap and Ransom                                            No                                                $250,000",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Adventure Activities Packs",
   "line": " 22     Adventure Activities Packs                                                                 See pages 43-45.",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "COVID-19",
   "line": "                                                                     Yes - as              See pages 46-48 for the full details",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Below are only some of the main features to be",
   "line": "        Below are only some of the main features to be              applicable                of what is and isn’t covered.",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "too few of the plan columns carry a value",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Before departure: Amendment or Cancellation Costs cover If You",
   "line": "         Before departure: Amendment or Cancellation Costs cover If You                               Included           Included",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "or Your travelling companion are diagnosed with COVID-19 and You",
   "line": "         or Your travelling companion are diagnosed with COVID-19 and You           No cover        Up to $2,500       Up to $2,500",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "cannot travel",
   "line": "         cannot travel                                                                               per policyΔ        per policyΔ",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "On trip: Amendment or Cancellation Costs cover if You or Your",
   "line": "         On trip: Amendment or Cancellation Costs cover if You or Your",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "travelling companion are diagnosed with COVID-19 on Your trip",
   "line": "         travelling companion are diagnosed with COVID-19 on Your trip",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "and You cannot travel#",
   "line": "                                                                                  excess $250#         $250#              $250#",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "On trip: Additional Expenses cover if You are diagnosed with",
   "line": "         On trip: Additional Expenses cover if You are diagnosed with                 $2,500            $2,500             $2,500",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "COVID-19 on Your trip and incur Additional transport and/or accommodation expenses#",
   "line": "                                                                                  excess $250#         $250#              $250#",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "1 of 2",
   "proposed_benefit": "carefully to understand what this covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply",
   "line": "    Policy Benefits                                                                  Limit per person unless stated otherwise",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Inbound table – page 2 of 2",
   "line": "     Policy Benefits                                                                 Limit per person unless stated otherwise",
   "problems": [
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Adventure Activities Packs",
   "line": " 22      Adventure Activities Packs                                                             See pages 43-45.",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "COVID-19",
   "line": "                                                                    Yes - as            See pages 46-48 for the full details",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "Below are only some of the main features to be",
   "line": " 23      Below are only some of the main features to be            applicable              of what is and isn’t covered.",
   "problems": [
    "the benefit name contains sentence text from around the table",
    "a value is only the continuation of one on another line"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "aware of. Before departure: Amendment or Cancellation Costs Cover if You or Your travelling companion are diagnosed with COVID-19 and You",
   "line": "         or Your travelling companion are diagnosed with COVID-19 and You                            No cover",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "cannot travel",
   "line": "                                                                                                     Included",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "On trip: Overseas Medical Expenses or Medical Expenses in Australia cover if You are diagnosed with COVID-19 overseas",
   "line": "                                                                                                   Included",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "travelling companion are diagnosed with COVID-19 on Your trip and You cannot travel#",
   "line": "                                                                                                     Included",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  },
  {
   "page": "2 of 2",
   "proposed_benefit": "On trip: Additional Expenses cover if You are diagnosed with",
   "line": "         On trip: Additional Expenses cover if You are diagnosed with                                 $2,500",
   "problems": [
    "the benefit name contains sentence text from around the table"
   ]
  }
 ],
 "how_it_was_read": "The PDS rendered with its page columns preserved, then the grid reconstructed: a column has to carry values on several rows to count as a column, plan names come from the header words over each column, and every row keeps the line it was read from. A row that could not be read confidently is in `review`, not in `benefits`."
}