{
 "generated_at": "2026-11-06T04:17:02Z",
 "brand_slug": "travel-insurance-direct",
 "brand": "Travel Insurance Direct (TID)",
 "site": "https://www.tid.com.au/",
 "product": "Comprehensive",
 "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-direct/",
 "insurer": {
  "name": "Allianz Australia Insurance Limited",
  "legal_name": "Allianz Australia Insurance Limited",
  "abn": "15000122850",
  "afs_licence_number": "234708",
  "footing": "company",
  "register": {
   "outcome": "apra_authorised",
   "apra_status": "authorised",
   "matched_on": "afs_licence_number",
   "asic_licensee": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
   "note": null
  },
  "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
  "citation": {
   "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
   "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
   "page": 2,
   "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
   "confirmed": "2026-11-05"
  }
 },
 "sold_by": {
  "name": null,
  "basis": null
 },
 "documents": {
  "pds": {
   "kind": "pds",
   "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
   "label": "Travel Insurance Direct PDS",
   "status": "ok",
   "http_status": 200,
   "words": 31923,
   "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
   "bytes_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
   "retrieved_at": "2026-11-04T23:17:24Z"
  },
  "tmd": {
   "kind": "tmd",
   "url": null,
   "label": null,
   "status": "no document URL in the registry",
   "note": "No TMD link in the home page HTML; the site serves documents from an API, so the TMD is probably another endpoint."
  }
 },
 "application": {
  "cooling_off_days": null,
  "cooling_off_quote": null,
  "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": null,
  "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": "travel-insurance-direct",
   "plan_slug": "comprehensive-single",
   "brand": "Travel Insurance Direct (TID)",
   "site": "https://www.tid.com.au/",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_footing": "company",
   "product": "Comprehensive",
   "plan": "Comprehensive (single)",
   "varies_by": "household",
   "benefits_read": 18,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": false,
   "cooling_off_days": null,
   "limits": {
    "overseas_medical": {
     "kind": "amount",
     "amount_aud": 20000000,
     "stated": "$20 million",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses^",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$20 million",
       "$20 million",
       "$40 million"
      ]
     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "As selected†",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "As selected†",
       "As selected†",
       "As selected†"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 10000,
     "stated": "$10,000",
     "citation": {
      "quote": "4.1 Luggage, Personal Effects & Valuables",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$10,000",
       "$10,000",
       "$20,000"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 6000,
     "stated": "$6,000",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$6,000",
       "$6,000",
       "$6,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5 million",
     "citation": {
      "quote": "6.1 Personal Liability#",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$5 million",
       "$5 million",
       "$5 million"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 3000,
     "stated": "$3,000",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$3,000",
       "$3,000",
       "$6,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 50000,
     "stated": "$50,000",
     "citation": {
      "quote": "1.4 Accidental Death",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$50,000",
       "$50,000",
       "$100,000"
      ]
     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 250,
     "stated": "$250",
     "citation": {
      "quote": "4.4 Theft of Cash",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$250",
       "$250",
       "$500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": {
    "overseas_medical": true,
    "cancellation": true,
    "luggage_total": true,
    "rental_vehicle_excess": true,
    "personal_liability": true,
    "accidental_death": true
   },
   "document": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
   "labels": [
    "overseas",
    "single-trip",
    "cruise-add-on",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip, for travellers of any age.",
     "This is the single cover type of the Comprehensive plan: it covers you and your dependants, with the limits shared by everyone on the policy.",
     "A sea or ocean cruise is covered only if you buy the optional Cruise Pack; a river cruise is covered without it.",
     "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
     "You must have a permanent home in Australia, and your trip must start and end in Australia."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9"
   },
   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
    "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": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-direct/comprehensive-single/"
  },
  {
   "brand_slug": "travel-insurance-direct",
   "plan_slug": "comprehensive-duo",
   "brand": "Travel Insurance Direct (TID)",
   "site": "https://www.tid.com.au/",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_footing": "company",
   "product": "Comprehensive",
   "plan": "Comprehensive (duo)",
   "varies_by": "household",
   "benefits_read": 18,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": false,
   "cooling_off_days": null,
   "limits": {
    "overseas_medical": {
     "kind": "amount",
     "amount_aud": 20000000,
     "stated": "$20 million",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses^",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$20 million",
       "$20 million",
       "$40 million"
      ]
     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "As selected†",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "As selected†",
       "As selected†",
       "As selected†"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 10000,
     "stated": "$10,000",
     "citation": {
      "quote": "4.1 Luggage, Personal Effects & Valuables",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$10,000",
       "$10,000",
       "$20,000"
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     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 6000,
     "stated": "$6,000",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$6,000",
       "$6,000",
       "$6,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5 million",
     "citation": {
      "quote": "6.1 Personal Liability#",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$5 million",
       "$5 million",
       "$5 million"
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     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 3000,
     "stated": "$3,000",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
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       "$3,000",
       "$6,000"
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     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 50000,
     "stated": "$50,000",
     "citation": {
      "quote": "1.4 Accidental Death",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
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     }
    },
    "cash": {
     "kind": "amount",
     "amount_aud": 250,
     "stated": "$250",
     "citation": {
      "quote": "4.4 Theft of Cash",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
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     }
    }
   },
   "implausible": null,
   "excess_applies": {
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    "cancellation": true,
    "luggage_total": true,
    "rental_vehicle_excess": true,
    "personal_liability": true,
    "accidental_death": true
   },
   "document": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
   "labels": [
    "overseas",
    "single-trip",
    "cruise-add-on",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
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     "Covers one overseas trip, for travellers of any age.",
     "This is the duo cover type of the Comprehensive plan: it covers two people travelling together, with no cover for dependants.",
     "A sea or ocean cruise is covered only if you buy the optional Cruise Pack; a river cruise is covered without it.",
     "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
     "You must have a permanent home in Australia, and your trip must start and end in Australia."
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    "written_on": "2026-10-15",
    "written_against_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9"
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   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
    "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": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
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   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-direct/comprehensive-duo/"
  },
  {
   "brand_slug": "travel-insurance-direct",
   "plan_slug": "comprehensive-family",
   "brand": "Travel Insurance Direct (TID)",
   "site": "https://www.tid.com.au/",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_footing": "company",
   "product": "Comprehensive",
   "plan": "Comprehensive (family)",
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   "benefits_read": 18,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": false,
   "cooling_off_days": null,
   "limits": {
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     "kind": "amount",
     "amount_aud": 40000000,
     "stated": "$40 million",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses^",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
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      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
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       "$40 million"
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     }
    },
    "cancellation": {
     "kind": "sum_insured_chosen",
     "amount_aud": null,
     "stated": "As selected†",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "As selected†",
       "As selected†",
       "As selected†"
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     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 20000,
     "stated": "$20,000",
     "citation": {
      "quote": "4.1 Luggage, Personal Effects & Valuables",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
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       "$20,000"
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     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 6000,
     "stated": "$6,000",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
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       "$6,000"
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     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5 million",
     "citation": {
      "quote": "6.1 Personal Liability#",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
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       "$5 million",
       "$5 million"
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     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 6000,
     "stated": "$6,000",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
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       "$6,000"
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     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 100000,
     "stated": "$100,000",
     "citation": {
      "quote": "1.4 Accidental Death",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
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      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
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    },
    "cash": {
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      "quote": "5.1 Rental Vehicle Excess",
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      "quote": "6.1 Personal Liability#",
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 "benefit_tables": [
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    "benefits": 18,
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     "benefit": "Funeral Expenses^",
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      "row": "1.3 Funeral Expenses^                                Nil                   $60,000                       $60,000                         $120,000"
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      "Comprehensive (family)": {
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     "evidence": {
      "row": "4.2 Luggage & Personal Effects Delay                 Nil                    $1000                        $1,000                           $2,000"
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     "citation": {
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      "confirmed": "2026-11-05",
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     "benefit": "Travel Documents, Transaction Cards & Travellers Cheques^",
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      "Comprehensive (family)": {
       "stated": "$10,000",
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       "amount_aud": 10000
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     "evidence": {
      "row": "4.3 Travel Documents, Transaction                    Yes                    $5,000                       $5,000                           $10,000"
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     "citation": {
      "quote": "4.3 Travel Documents, Transaction Cards & Travellers Cheques^",
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      "cells": [
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     "benefit": "cash",
     "benefit_as_printed": "Theft of Cash",
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       "stated": "$250",
       "kind": "amount",
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       "stated": "$500",
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       "amount_aud": 500
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     "evidence": {
      "row": "4.4 Theft of Cash                                    Nil                     $250                         $250                             $500"
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      "quote": "4.4 Theft of Cash",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=9",
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       "$250",
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      "confirmed": "2026-11-05",
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       "kind": "amount",
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      "page": 9,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
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   "coverage": {
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      "confirmed": "2026-11-05",
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      "confirmed": "2026-11-05",
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       "$2.5 million"
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     "benefit": "Travel Agents Cancellation Fees",
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     "citation": {
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      "row": "3.2 Travel Delay Expenses                            Nil                   $3,000                        $3,000                         $6,000"
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      "confirmed": "2026-11-05",
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     "benefit": "luggage_total",
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     "evidence": {
      "row": "4.1 Luggage, Personal Effects &                      Yes                   $10,000                      $10,000                        $20,000"
     },
     "citation": {
      "quote": "4.1 Luggage, Personal Effects & Valuables",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=10",
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     "evidence": {
      "row": "4.2 Luggage & Personal Effects Delay                 Nil                   $1,000                        $1,000                         $2,000"
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     "citation": {
      "quote": "4.2 Luggage & Personal Effects Delay Expenses",
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      "confirmed": "2026-11-05",
      "cells": [
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     "benefit": "cash",
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     "evidence": {
      "row": "4.4 Theft of Cash                                    Nil                    $250                          $250                           $500"
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     "benefit": "rental_vehicle_excess",
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     "evidence": {
      "row": "5.1 Rental Vehicle Excess                            Yes                   $6,000                        $6,000                         $6,000"
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     "citation": {
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      }
     },
     "evidence": {
      "row": "6.1 Personal Liability#                              Yes               $5 million                      $5 million                     $5 million"
     },
     "citation": {
      "quote": "6.1 Personal Liability#",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=10",
      "page": 10,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05",
      "cells": [
       "Yes",
       "$5 million",
       "$5 million",
       "$5 million"
      ]
     },
     "excess_applies": true
    }
   ]
  }
 ],
 "rows_withheld_for_review": [],
 "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`."
}