{
 "generated_at": "2026-11-06T04:17:02Z",
 "brand_slug": "zoom",
 "brand": "Zoom Travel Insurance",
 "site": "https://www.zoomtravelinsurance.com.au/",
 "product": "Standard",
 "page": "https://deepalmanac.com/au/insurance/travel/brands/zoom/",
 "insurer": {
  "name": "HDI Global Speciality SE",
  "legal_name": "HDI Global Speciality SE",
  "abn": "58129395544",
  "afs_licence_number": "458776",
  "footing": "company",
  "register": {
   "outcome": "apra_authorised",
   "apra_status": "authorised",
   "matched_on": "afs_licence_number+register_name",
   "asic_licensee": "HDI GLOBAL SPECIALTY SE",
   "note": null
  },
  "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
  "citation": {
   "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
   "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=86",
   "page": 86,
   "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
   "confirmed": "2026-11-05"
  }
 },
 "sold_by": {
  "name": "Coffre-Fort Pty Ltd",
  "basis": "authorised_representative"
 },
 "documents": {
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   "kind": "pds",
   "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "label": "Zoom Australia Standard PDS, 7 November 2023",
   "status": "ok",
   "http_status": 200,
   "words": 25218,
   "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
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   "retrieved_at": "2026-11-04T23:17:33Z"
  },
  "tmd": {
   "kind": "tmd",
   "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf",
   "label": "Zoom Travel Insurance Target Market Determination, 4 March 2026",
   "status": "ok",
   "http_status": 200,
   "words": 3635,
   "content_sha256": "c223786ef1d79b80ef9eb44c79d4b8ad7d0e5f75594ee775fdf410cc06967056",
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   "retrieved_at": "2026-11-04T23:17:34Z"
  }
 },
 "application": {
  "cooling_off_days": 14,
  "cooling_off_quote": "Up to 14 Days (Cooling-off Period) Money Back Guarantee You may change your mind about buying this policy within fourteen (14) days of issue of the certificate of insurance (‘cooling-off period’) and we will provide a full refund",
  "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": "zoom",
   "plan_slug": "plan-b-standard-adult",
   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
   "insurer": "HDI Global Speciality SE",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "PLAN B STANDARD ADULT",
   "varies_by": "plan",
   "benefits_read": 26,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
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     "kind": "unlimited",
     "amount_aud": null,
     "stated": "unlimited",
     "citation": {
      "quote": "2* Overseas Emergency Medical Expenses^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
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      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited",
       "unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000",
     "citation": {
      "quote": "8 Cancellation Fees & Lost Deposits",
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      "confirmed": "2026-11-05",
      "cells": [
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       "unlimited",
       "unlimited",
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     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 7500,
     "stated": "$7,500",
     "citation": {
      "quote": "11* Luggage & Personal Effects",
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      "page": 16,
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      "confirmed": "2026-11-05",
      "cells": [
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     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000 or $8,000",
     "citation": {
      "quote": "16 Rental Vehicle Insurance Excess #",
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      "page": 16,
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      "confirmed": "2026-11-05",
      "cells": [
       "$5,000 or $8,000",
       "$5,000 or $8,000",
       "$8,000",
       "$5,000 or $8,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "15 Personal Liability #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
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       "$5,000,000",
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     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "labels": [
    "overseas",
    "cruise-add-on",
    "age-to-79",
    "overseas-365-days",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
    "lines": [
     "Covers an overseas trip, with overseas emergency medical cover.",
     "You must be 79 or younger when the policy is issued.",
     "Cover, including any extension, cannot run longer than 12 months from your first travel date.",
     "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.",
     "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b"
   },
   "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 you declare them and the insurer agrees in writing, which may cost extra.",
    "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": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/zoom/plan-b-standard-adult/"
  },
  {
   "brand_slug": "zoom",
   "plan_slug": "plan-c-comprehensive-adult",
   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
   "insurer": "HDI Global Speciality SE",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "PLAN C COMPREHENSIVE ADULT",
   "varies_by": "plan",
   "benefits_read": 26,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
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     "kind": "unlimited",
     "amount_aud": null,
     "stated": "unlimited",
     "citation": {
      "quote": "2* Overseas Emergency Medical Expenses^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
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      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited",
       "unlimited"
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     }
    },
    "cancellation": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "unlimited",
     "citation": {
      "quote": "8 Cancellation Fees & Lost Deposits",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
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      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "unlimited",
       "unlimited",
       "$25,000"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 7500,
     "stated": "$7,500",
     "citation": {
      "quote": "11* Luggage & Personal Effects",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000 or $8,000",
     "citation": {
      "quote": "16 Rental Vehicle Insurance Excess #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000 or $8,000",
       "$5,000 or $8,000",
       "$8,000",
       "$5,000 or $8,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5,000,000",
     "citation": {
      "quote": "15 Personal Liability #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
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       "$5,000,000",
       "$5,000,000",
       "$2,500,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 2000,
     "stated": "$2,000",
     "citation": {
      "quote": "10 Travel Delay Expenses",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000",
       "$2,000"
      ]
     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000",
     "citation": {
      "quote": "5* Accidental Death",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
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       "$25,000"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "labels": [
    "overseas",
    "cruise-add-on",
    "age-to-85",
    "overseas-365-days",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
    "lines": [
     "Covers an overseas trip, with overseas emergency medical cover.",
     "You must be 85 or younger when the policy is issued; from 80 to 85 a trip can be at most 6 months and a $2,000 excess applies to injury and illness claims.",
     "Cover, including any extension, cannot run longer than 12 months from your first travel date.",
     "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.",
     "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b"
   },
   "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 you declare them and the insurer agrees in writing, which may cost extra.",
    "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": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/zoom/plan-c-comprehensive-adult/"
  },
  {
   "brand_slug": "zoom",
   "plan_slug": "plan-d-domestic-adult",
   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
   "insurer": "HDI Global Speciality SE",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "PLAN D DOMESTIC ADULT",
   "varies_by": "plan",
   "benefits_read": 26,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "cancellation": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "unlimited",
     "citation": {
      "quote": "8 Cancellation Fees & Lost Deposits",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
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       "unlimited",
       "unlimited",
       "$25,000"
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     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 7500,
     "stated": "$7,500",
     "citation": {
      "quote": "11* Luggage & Personal Effects",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
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       "$7,500",
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     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 8000,
     "stated": "$8,000",
     "citation": {
      "quote": "16 Rental Vehicle Insurance Excess #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
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      "cells": [
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       "$5,000 or $8,000",
       "$8,000",
       "$5,000 or $8,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5,000,000",
     "citation": {
      "quote": "15 Personal Liability #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
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     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 2000,
     "stated": "$2,000",
     "citation": {
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      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
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     }
    },
    "accidental_death": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000",
     "citation": {
      "quote": "5* Accidental Death",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
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       "$25,000"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "labels": [
    "domestic",
    "cruise-add-on",
    "age-to-85",
    "domestic-365-days",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
    "lines": [
     "Covers a trip within Australia that takes you more than 50 kilometres from home; there is no overseas medical cover.",
     "You must be 85 or younger when the policy is issued; from 80 to 85 a trip can be at most 6 months and a $2,000 excess applies to injury and illness claims.",
     "Cover, including any extension, cannot run longer than 12 months from your first travel date.",
     "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.",
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     "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia."
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   "pre_existing_conditions": {
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    "in_words": "only if approved",
    "labels": [
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    ],
    "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
    "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",
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   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/zoom/plan-d-domestic-adult/"
  },
  {
   "brand_slug": "zoom",
   "plan_slug": "plan-f-frequent-traveller-adult",
   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
   "insurer": "HDI Global Speciality SE",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "PLAN F FREQUENT TRAVELLER ADULT",
   "varies_by": "plan",
   "benefits_read": 26,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "unlimited",
     "citation": {
      "quote": "2* Overseas Emergency Medical Expenses^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited",
       "unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "amount",
     "amount_aud": 25000,
     "stated": "$25,000",
     "citation": {
      "quote": "8 Cancellation Fees & Lost Deposits",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "unlimited",
       "unlimited",
       "$25,000"
      ]
     }
    },
    "luggage_total": {
     "kind": "amount",
     "amount_aud": 7500,
     "stated": "$7,500",
     "citation": {
      "quote": "11* Luggage & Personal Effects",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000 or $8,000",
     "citation": {
      "quote": "16 Rental Vehicle Insurance Excess #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000 or $8,000",
       "$5,000 or $8,000",
       "$8,000",
       "$5,000 or $8,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "15 Personal Liability #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$5,000,000",
       "$5,000,000",
       "$2,500,000"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "labels": [
    "annual-multi-trip",
    "overseas",
    "domestic",
    "cruise-add-on",
    "age-to-69",
    "overseas-45-days",
    "domestic-45-days",
    "pre-existing-if-approved",
    "australian-residents-only",
    "return-trips-only"
   ],
   "conditions": {
    "lines": [
     "Covers an unlimited number of trips overseas and within Australia for twelve months.",
     "Each trip can last up to 15 or 45 days, as chosen; trips within Australia must take you at least 50 kilometres from home and have only some sections of cover.",
     "You must be 69 or younger when the policy is issued.",
     "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.",
     "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b"
   },
   "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 you declare them and the insurer agrees in writing, which may cost extra.",
    "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": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/zoom/plan-f-frequent-traveller-adult/"
  }
 ],
 "benefit_tables": [
  {
   "group": "All plans",
   "label_quality": {
    "benefits": 26,
    "names_that_look_fragmentary": 2,
    "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": "PLAN B STANDARD ADULT",
     "trip_type": null
    },
    {
     "plan": "PLAN C COMPREHENSIVE ADULT",
     "trip_type": null
    },
    {
     "plan": "PLAN D DOMESTIC ADULT",
     "trip_type": null
    },
    {
     "plan": "PLAN F FREQUENT TRAVELLER ADULT",
     "trip_type": null
    }
   ],
   "plan_names": [
    "PLAN B STANDARD ADULT",
    "PLAN C COMPREHENSIVE ADULT",
    "PLAN D DOMESTIC ADULT",
    "PLAN F FREQUENT TRAVELLER ADULT"
   ],
   "coverage": {
    "benefits": 26,
    "cells": 82,
    "cells_possible": 104
   },
   "benefits": [
    {
     "benefit": "24/7 Emergency Assistance Services",
     "benefit_as_printed": "24/7 Emergency Assistance Services",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "1 24/7 Emergency Assistance Services                            X                   unlimited                         unlimited                     unlimited                      ---                    unlimited"
     },
     "citation": {
      "quote": "1 24/7 Emergency Assistance Services",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited",
       "unlimited"
      ]
     }
    },
    {
     "benefit": "overseas_medical",
     "benefit_as_printed": "Overseas Emergency Medical Expenses^",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "2* Overseas Emergency Medical Expenses^                         9                   unlimited                         unlimited                     unlimited                      ---                    unlimited"
     },
     "citation": {
      "quote": "2* Overseas Emergency Medical Expenses^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited",
       "unlimited"
      ]
     }
    },
    {
     "benefit": "overseas_dental_emergency",
     "benefit_as_printed": "Includes Dental Expenses (per person)",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "2A Includes Dental Expenses (per person)                        9                     $500                                 $500                       $500                         ---                      $500"
     },
     "citation": {
      "quote": "2A Includes Dental Expenses (per person)",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "Additional Expenses",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "3* Additional Expenses                                          9                       ---                           $10,000                       $25,000                     $2,000                    $10,000"
     },
     "citation": {
      "quote": "3* Additional Expenses",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$25,000",
       "$2,000",
       "$10,000"
      ]
     }
    },
    {
     "benefit": "resumption_of_journey",
     "benefit_as_printed": "Includes Resumption of Journey",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "3B Includes Resumption of Journey                              9                        ---                            $3,000                        $3,000                      $3,000                    $3,000"
     },
     "citation": {
      "quote": "3B Includes Resumption of Journey",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$3,000",
       "$3,000",
       "$3,000"
      ]
     }
    },
    {
     "benefit": "hospital_incidentals",
     "benefit_as_printed": "Hospital Cash Allowance^^",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      }
     },
     "evidence": {
      "row": "4* Hospital Cash Allowance^^                                    X                       ---                            $2,500                        $5,000                        ---                     $2,500"
     },
     "citation": {
      "quote": "4* Hospital Cash Allowance^^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500",
       "$5,000",
       "$2,500"
      ]
     }
    },
    {
     "benefit": "accidental_death",
     "benefit_as_printed": "Accidental Death",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "5* Accidental Death                                             X                       ---                                 ---                     $25,000                     $25,000                      ---"
     },
     "citation": {
      "quote": "5* Accidental Death",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "$25,000"
      ]
     }
    },
    {
     "benefit": "cancellation",
     "benefit_as_printed": "Cancellation Fees & Lost Deposits",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$25,000",
       "kind": "amount",
       "amount_aud": 25000
      }
     },
     "evidence": {
      "row": "8 Cancellation Fees & Lost Deposits                             9                       ---                           $25,000                       unlimited                  unlimited                  $25,000"
     },
     "citation": {
      "quote": "8 Cancellation Fees & Lost Deposits",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "unlimited",
       "unlimited",
       "$25,000"
      ]
     }
    },
    {
     "benefit": "Alternative Transport Expenses",
     "benefit_as_printed": "Alternative Transport Expenses",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "9 Alternative Transport Expenses                                9                       ---                                 ---                      $5,000                      $5,000                      ---"
     },
     "citation": {
      "quote": "9 Alternative Transport Expenses",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "travel_delay",
     "benefit_as_printed": "Travel Delay Expenses",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "10 Travel Delay Expenses                                        X                       ---                                 ---                      $2,000                      $2,000                      ---"
     },
     "citation": {
      "quote": "10 Travel Delay Expenses",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000",
       "$2,000"
      ]
     }
    },
    {
     "benefit": "luggage_total",
     "benefit_as_printed": "Luggage & Personal Effects",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$7,500",
       "kind": "amount",
       "amount_aud": 7500
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$7,500",
       "kind": "amount",
       "amount_aud": 7500
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$7,500",
       "kind": "amount",
       "amount_aud": 7500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$7,500",
       "kind": "amount",
       "amount_aud": 7500
      }
     },
     "evidence": {
      "row": "11* Luggage & Personal Effects                                  9                       ---                            $7,500                        $7,500                      $7,500                    $7,500"
     },
     "citation": {
      "quote": "11* Luggage & Personal Effects",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    {
     "benefit": "Travel Documents & Transaction Cards^^",
     "benefit_as_printed": "Travel Documents & Transaction Cards^^",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "13 Travel Documents & Transaction Cards^^                       9                       ---                            $2,000                        $5,000                        ---                     $2,000"
     },
     "citation": {
      "quote": "13 Travel Documents & Transaction Cards^^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000",
       "$5,000",
       "$2,000"
      ]
     }
    },
    {
     "benefit": "personal_liability",
     "benefit_as_printed": "Personal Liability #",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$5,000,000",
       "kind": "amount",
       "amount_aud": 5000000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$5,000,000",
       "kind": "amount",
       "amount_aud": 5000000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      }
     },
     "evidence": {
      "row": "15 Personal Liability #                                         9                  $2,500,000                        $2,500,000                    $5,000,000                  $5,000,000                $2,500,000"
     },
     "citation": {
      "quote": "15 Personal Liability #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$5,000,000",
       "$5,000,000",
       "$2,500,000"
      ]
     }
    },
    {
     "benefit": "rental_vehicle_excess",
     "benefit_as_printed": "Rental Vehicle Insurance Excess #",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$5,000 or $8,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$5,000 or $8,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$8,000",
       "kind": "amount",
       "amount_aud": 8000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$5,000 or $8,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "16 Rental Vehicle Insurance Excess #                                                    ---                       $5,000 or $8,000              $5,000 or $8,000                 $8,000                 $5,000 or $8,000"
     },
     "citation": {
      "quote": "16 Rental Vehicle Insurance Excess #",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000 or $8,000",
       "$5,000 or $8,000",
       "$8,000",
       "$5,000 or $8,000"
      ]
     }
    },
    {
     "benefit": "Snow Sport Emergency Medical Assistance",
     "benefit_as_printed": "Snow Sport Emergency Medical Assistance",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "17* Snow Sport Emergency Medical Assistance                    X                        ---                                 ---                     unlimited                      ---                    unlimited"
     },
     "citation": {
      "quote": "17* Snow Sport Emergency Medical Assistance",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited"
      ]
     }
    },
    {
     "benefit": "Snow Sport Overseas Emergency Medical Expenses^^",
     "benefit_as_printed": "Snow Sport Overseas Emergency Medical Expenses^^",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "18* Snow Sport Overseas Emergency Medical                                               ---                                 ---                     unlimited                      ---                    unlimited"
     },
     "citation": {
      "quote": "18* Snow Sport Overseas Emergency Medical Expenses^^",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "unlimited",
       "unlimited"
      ]
     }
    },
    {
     "benefit": "Dental Expenses (per person)",
     "benefit_as_printed": "Dental Expenses (per person)",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "18A Dental Expenses (per person)                                                        ---                                 ---                       $500                         ---                      $500"
     },
     "citation": {
      "quote": "18A Dental Expenses (per person)",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "Own Snow Sport Equipment",
     "benefit_as_printed": "Own Snow Sport Equipment",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "19* Own Snow Sport Equipment                                   9                        ---                                 ---                      $1,500                      $1,500                    $1,500"
     },
     "citation": {
      "quote": "19* Own Snow Sport Equipment",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$1,500",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Snow Sport Equipment Hire",
     "benefit_as_printed": "Snow Sport Equipment Hire",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "20 Snow Sport Equipment Hire                                   9                        ---                                 ---                      $1,500                      $1,500                    $1,500"
     },
     "citation": {
      "quote": "20 Snow Sport Equipment Hire",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$1,500",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Snow Ski Pack",
     "benefit_as_printed": "Snow Ski Pack",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      }
     },
     "evidence": {
      "row": "21 Snow Ski Pack                                                                        ---                                 ---                       $750                       $750                      $750"
     },
     "citation": {
      "quote": "21 Snow Ski Pack",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$750",
       "$750",
       "$750"
      ]
     }
    },
    {
     "benefit": "Piste Closure",
     "benefit_as_printed": "Piste Closure",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      }
     },
     "evidence": {
      "row": "22* Piste Closure                                              9                        ---                                 ---                      $1,000                      $1,000                    $1,000"
     },
     "citation": {
      "quote": "22* Piste Closure",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$1,000",
       "$1,000"
      ]
     }
    },
    {
     "benefit": "Bad Weather & Avalanche Closure",
     "benefit_as_printed": "Bad Weather & Avalanche Closure",
     "page": "lines 493-551",
     "limits": {
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      }
     },
     "evidence": {
      "row": "23 Bad Weather & Avalanche Closure                             9                        ---                                 ---                       $750                       $750                      $750"
     },
     "citation": {
      "quote": "23 Bad Weather & Avalanche Closure",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$750",
       "$750",
       "$750"
      ]
     }
    },
    {
     "benefit": "Own Golf Equipment",
     "benefit_as_printed": "Own Golf Equipment",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$2,000",
       "kind": "amount",
       "amount_aud": 2000
      }
     },
     "evidence": {
      "row": "24 Own Golf Equipment                                         9                         ---                            $2,000                        $2,000                      $2,000                    $2,000"
     },
     "citation": {
      "quote": "24 Own Golf Equipment",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000",
       "$2,000",
       "$2,000",
       "$2,000"
      ]
     }
    },
    {
     "benefit": "Golf Equipment Hire",
     "benefit_as_printed": "Golf Equipment Hire",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "25 Golf Equipment Hire                                        9                         ---                            $1,500                        $1,500                      $1,500                    $1,500"
     },
     "citation": {
      "quote": "25 Golf Equipment Hire",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$1,500",
       "$1,500",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Golf Green Fees",
     "benefit_as_printed": "Golf Green Fees",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "26 Golf Green Fees                                             X                        ---                                $500                       $500                       $500                      $500"
     },
     "citation": {
      "quote": "26 Golf Green Fees",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500",
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "Hole in One",
     "benefit_as_printed": "Hole in One",
     "page": "lines 493-551",
     "limits": {
      "PLAN B STANDARD ADULT": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      },
      "PLAN C COMPREHENSIVE ADULT": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      },
      "PLAN D DOMESTIC ADULT": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      },
      "PLAN F FREQUENT TRAVELLER ADULT": {
       "stated": "$250",
       "kind": "amount",
       "amount_aud": 250
      }
     },
     "evidence": {
      "row": "27 Hole in One                                                 X                        ---                                $250                       $250                       $250                      $250"
     },
     "citation": {
      "quote": "27 Hole in One",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16",
      "page": 16,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05",
      "cells": [
       "$250",
       "$250",
       "$250",
       "$250"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "page": "lines 493-551",
   "proposed_benefit": "Permanent Disability^^",
   "line": " 6 Permanent Disability^^                                        X                       ---                                 ---                     $25,000                        ---                       ---",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "lines 493-551",
   "proposed_benefit": "Loss of Income^^",
   "line": " 7 Loss of Income^^                                              X                       ---                                 ---                     $10,400                        ---                       ---",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "lines 493-551",
   "proposed_benefit": "Luggage & Personal Effects Delay Expenses^^",
   "line": " 12 Luggage & Personal Effects Delay Expenses^^                  X                       ---                                 ---                       $250                         ---                       ---",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "lines 493-551",
   "proposed_benefit": "Theft of Cash^^",
   "line": " 14 Theft of Cash^^                                              X                       ---                                 ---                       $250                         ---                       ---",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  },
  {
   "page": "lines 493-551",
   "proposed_benefit": "Rental Vehicle Insurance Excess #",
   "line": " 16 Rental Vehicle Insurance Excess #                            9                       ---                           Optional                      Optional                     $5,000                   Optional",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  }
 ],
 "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`."
}